Education Loan

Learning is a never-ending process in life. Knowledge is more than just a treasure because it can lead us to a successful career path and a comfortable life. Whether you are planning to attain a Diploma, Bachelor, Master or Ph.D degree in Macau, Hong Kong or overseas, BCM Education Loan is the ideal solution for you to fulfill your dream.

Full Time Student Package
We provide two loan schemes for full time students to match their goals and objectives:

"Relaxing Scheme"
This payment scheme allows you to settle only interest during the study period and pay principal plus interest after graduation.

Interest rate	Maximum loan amount	Maximum repayment period
Prime Rate	Maximum loan amount: local studies - MOP150,000 or annual salary of parents overseas studies - MOP300,000 or annual salary of parents	up to 8 years or 2 times the total years of study

"Constant Scheme"
This payment scheme allows you to settle both principal and interest repayments during the study period.

Interest rate	Maximum loan amount	Maximum repayment period
Prime Rate	local studies - MOP150,000 or annual salary of parents overseas studies - MOP300,000 or annual salary of parents	up to 8 years or same as the total years of study

Part Time Student Package
Part time student can repay both principal & interest repayments for the entire loan term with a peace of mind.

Interest rate	Maximum loan amount	Maximum repayment period
Prime Rate	MOP150,000 or annual salary of applicant or together with spouse	Maximum repayment period: up to 6 years

Whether you are a full time or part time student, a further interest reduction of 0.125% will be granted if at any time during the loan period transfers your payroll account to BCM.

For application, simply come in person to one of our BCM branches with your I.D. copy, income proof (of guarantor if applicable) and proof of school admission.