贷学金
新加坡丰顺会馆
刘秉刚/黄隐珍贷学金
丰顺会馆，自2005年起就有贷学金的设立。现任会馆董事刘新汉为纪念父母养育之恩，特设立（刘秉刚/黄隐珍）贷学金，总额为50万元资助这个计划。
丰顺会馆贷学金，不收利息，可供申请者完成大学学业，毕业后不需履行服务。
免息贷学金指的是受惠人在完成学业后，只需偿还所有借贷的数额，不需另支付利息。
会馆希望每年发贷学金给两名大学生，每人每年的贷学金限额约1万2000元，一般大学课程为4年，医科则为6年。
丰顺会馆贷学金，欢迎会员热烈申请。如有意申请的会员子女，请向会馆索取申请表格。如有任何疑问，可与会馆驻办处联系，电话：67476905。
章程
（一）定名：新加坡丰顺会馆（刘秉刚/黄隐珍）贷学金
（二）创设贷学金之缘起：
本人刘新汉为纪念父母养育之恩，并感谢上天之厚待，自资创 设此贷学金，以便父母亲之子女后裔及新加坡丰顺同乡子女，凡家境清贫，品格良好，学业优异者，有受大专教育之机会。
（三）贷学金申请者之资格：
（甲）凡刘秉刚/黄隐珍夫妇之子女后裔,都可申请，不受居住地区及受大专教育地区之限制。
（乙）凡新加坡丰顺会馆会员本身或其子女，只限居住于新加坡。在新加坡共和国内贷学金委员会认可之大专学府受教育者。申请者应属新加坡公民，成为新加坡丰顺会馆会员不少过一年。
（四）每年能接受之申请者人数：
暂定二名，此名额将随情况之改变而变动。
（五）预定六年内所需之贷学金额：
| a) 第一年: | S$ 24,000/= |
| b) 第二年: | S$ 48,000/= |
| c) 第三年: | S$ 72,000/= |
| d) 第四年: | S$ 96,000/= |
| e) 第五年: | S$120,000/= |
| f) 第六年: | S$144,000/= |
若申请人之学程为三年者，则由第四年起，将有部分贷学金逐渐回笼，故所需之数额，将会减少。
（六）每名申请所得贷学金之限额：
a) 以大学每年所征收之学费及其他费用为顶限。申请人之食住、交通及其他费用，须自行负责，但每年贷学金额以$12,000/=以为顶限。
b) 贷学金所支付之年限：
由第一至第六年，依各种不同学科之学程年数为根据。念硕士或博士班，不计在学程内。
c) 申请人若因行为不检，被令停止学籍，或因成绩达不到校方之要求，须要留级，则贷学金不再付给。换言之，申请必须学业成绩达到每年之水准，方能继续领取贷学金。
（七）贷学金之管理：
设丰顺刘秉刚/黄隐珍贷学金委员会（此后简称贷学金委员会）管理, 委员会有委员六名：三名由刘新汉指派，另三名由丰顺会馆选派，刘新汉任主席。
贷学金委员包括：
主席一名：刘新汉(或他所指定之人选)
秘书一名：财政一名、委员三名。
委员会可邀请有识之士，组成审查委员会，以便审查及选定贷学金申请人。
（八）贷学金之财政：
设一独立之刘秉刚/黄隐珍贷学金特别户口掌理财政事宜。
（九）贷学金之申请办法及收回办法：
（甲）申请书及证件：
申请人须填俱一份详尽之申请书，除申请人之姓名、年龄、身份证、住址、上两年就读学校或大专教育机构及成绩品行报告。家长姓名、身份证、住址与申请人之关系、职业、收入报告（附所得税估税单）,有否申请其它机构之奖学金，若有请列明机构名称及奖学金银额，并签署下列文件。
a) 保证书：保证毕业后，依规章逐月付还贷学金。
保证书之签署人：1)申请人 2)家长 3)另一名殷实人士
b) 人寿险：申请人需购一份为期不短过十年之人寿保单，指定刘秉刚/黄隐珍贷学金委员会为保单拥有人（ASSIGNEE）,为了省保费，此保单可以最低保费之定期保单（TERMASSURANCE）购买。保额不少过全部学程之贷学金总额。
（乙）贷学金之摊还法：
a) 申请人一旦离开受业之大专学府，得马上知照贷学金委员会， 并在离开学府后之第三个月，开始摊还贷学金。离开受业学府，（包括被令离开，如犯错或留级），及自愿离开（不论任何原因）。若申请人毕业后，继续深造，可依情向贷学金委员会提出展缓摊还贷款之请求，卑供考虑。
b) 摊还贷学金之金额：
１）尚未获得职业者，每月还Ｓ$30/=
２）已获得职业或自雇者，依薪水依薪水或入息如下：
| 薪水或入息： | |
| $２,000/= 以下 | 每月还$ 100/= |
| $２,001/= 至$ 3,000/= | 每月还$ 150/= |
| $ 3,0001/= 至$ 5,000/= | 每月还 $ 300/= |
| $ 5,0001/= 至$ 7,500/= | 每月还$ 750/= |
| $ 7,501/= 至$10,000/= | 每月还$1,500/= |
| $ 10,001/= 至$15,000/= | 每月还$3,000/= |
| $ 15,001/= 至$20,000/= | 每月还$5,000/= |
| $ 20,001/= 至$30,000/= | 每月还$8,000/= |
| $ 30,001/= 至$50,000/= | 每月还$10,000/= |
| $ 50,001/= 至以上 | 每月还$15,000/= |
应摊还款额须在每月十日前缴清。 以上摊还法，贷学金委员会可依据本国之经济情况，每年检讨，作适当之调整。
（十）申请人之责任：
申请人成功获得贷学金后，须诚意地履行下列责任。
a)将每学期之学业成绩及品行报告，及时交付给贷学金委员会。
b)在离开学府后，将其就业状况、入息或薪金证据，依期交给贷学 金委员会。
c)若申请人离职，或改变职业、住址等情况，也须及时向贷学金委员会报告。
d)申请人在就业期间，得授权贷学金委员会，向其就职机构索取其收入状况之报告。
e)申请人若未依章摊还贷学金，贷学金委员会将向其征收年利12%/=。
f)申请人若未依期摊还贷学金，贷学金委员会可以循法律程序，进行追讨，所有法律诉讼之费用，由申请人负责偿还。
（十一）贷学金委员会之权限：
贷学金委员会在评选申请人及其它有关贷学金事宜之决定，得向丰顺会馆董事部报告备案。丰顺会馆董事部不干涉贷学金委员会一切决策。
（十二）贷学金章程之修订与执行：
本章程经贷学金委员会讨论通过后加以执行，贷学金委员会此后得依情况，随时作适当之修订。
（十三）
a.返新加坡丰顺会馆同乡，会员或准会员，可加入本贷学金架构，认捐一份或多份贷学金额，为期四至六年，所认捐之贷学金可自行以他认为合适之名称冠之。
b.在此情况下所承诺之贷学金申请资格（甲）项，可依此贷学金认捐人之选择，作适度之调整。
（十四）解散：
在非常特殊之情况下，若此项贷学金计划得行解散，则贷学金委员会将直接处理，把所有现存及代收回之贷学金，全部捐献给合法的慈善机构。
2012年8月1日修正
附：第一届贷学金委员会名单
主席：刘新汉
秘书：黄淼权
财政：刘学为
委员：冯柏松、钟文灵、刘学文
Study Loan
Singapore Foong Shoon Fui Kuan
Lau PengKong / Wong Woon Ching
Study Loan Programme
Rules and Regulations
(1) Name of the Programme:
The Study Loan Programme shall be called “Singapore Foong Shoon Fui Kuan (Lau Peng Kong / Wong Woon Ching) Study Loan Programme” (hereinafter referred to as The Study Loan Programme).
(2) Background of setting up the study Loan Programme:
Mr. Liew Sing Hun, In fond remembrance of his parents’ effort in bringing him up and providing him for his education, and at the same time in expressing his thankfulness to Heaven in bestowing him all the kindness during his life time, has decided to set up this Study Loan Programme, to be wholly financed by his own resources,to assist descendants of his parents as well as members of Singapore Foong Shoon Fui Kuan and their children who are of good character, and achieving good academic results but lack of financial means to pursue higher learning to have the opportunity to receive tertiary education.
(3) Eligibility of Applicants for the study Loan Programme:
(a) Any descendant of Lau Peng Kong / Wong WoonChing, regardless of gender, residential territory and locality of the tertiary institutes for admission.
(b) Any members of Foong Shoon FuiKuan or their children, residing in Singapore, the tertiary Institutes in question are restricted to those based in the republic of Singapore only. Applicants must be Singapore Citizens and be a member of Singapore Foong Shoon Fui Kuan ofnot less than one year.
(4) Estimated Number of Applicants for Each Year:
For the time being it is expected that only two applicants may be accepted each year.
(5) The Estimated Amount of Study Loan Fund Required for First Six Years:
| (a) Year One: | S$ 24,000.00 |
| (b) Year Two: | S$48,000.00 |
| (c) Year Three: | S$ 72,000.00 |
| (d) Year Four: | S$96,000.00 |
| (e) Year Five: | S$120,000.00 |
| (f) Year Six: | S$144,000.00 |
For those applicants whose study courses is three years, part of the study loan granted to them may be repaid and thus the required amount may be reduced consequently from year four.
(6) The Amount of Study Loan for Each Applicant:
(a) The amount of study loan shall not be more than the total fees levied by the tertiary institute’s administration subject to a maximum amount of S$12,000.00 per year per applicant.
(b) The number of academic year available for each applicant shall be in accordance with the length Of study programme stipulated by thetertiary institutes subject to a maximum of six years. This Study loan is not available for students in pursuit of Master or PhD courses.
(c) Should a successful applicant be expelled by the tertiary institute in which he is pursuing the courses as a result of misconduct or his academic results do not meet the required standard set out by the tertiary institute, the study loan should thereafter cease to be available for the applicant.
(7) Administration or the Study Loan Fund:
The study loan fund shall be managed independently by the Study Loan Committee set up under this programme.
The Study Loan Committee shall consist of six members to be chaired by Mr. Liew Sing Hun (or anyone appointed by him). Mr. Liew Sing Hun shall nominate two other members of his choice and the other three members are to be appointed by the Management Committee of Foong Shoon Fui Kuan.
The six committee members shall consist of one chairman, one secretary, one treasurer and three committee members
The Study LoanCommittee may appoint competent personnel to form a selection committee for purpose of processing and selection of successful applicants. The selection committee should have full power and discretion to select the successful applicants.
(8) The Finance of the Study Committee:
A separate bankaccount shall be opened to administer the study loan fund.
(9) The Procedure of Application and Scheme of Repayment of the Study Loan:
The applicants have to complete a comprehensive application form giving his/her name, age,identity card no,address, gender and reports of academic result for two years immediately preceding his/her application as well as report of his/her good conduct.Furthermore, particulars of applicant’s parents or guidance’s name, identity card no, occupation, address and relationship with the applicant, evidence of annual income (such as IRAS income assessment) are also required. The applicant will also have to disclose whether he/she is applying for scholarship, study loan or bursary to other organisations and the amount of scholarship, study loan or bursary he/she is applying for. The applicant is required to sign up the following undertakings:
1) A personal guarantee that he/she will repaythe study loan to the study loan committee immediately after completion of his/her courses or cessation of his/her study in accordance with the schedule of the repayment scheme.
The guarantee may be signed by the followings:
1. The applicant himself
2. His/her parent or guidance
3. A third party who is financiallyestablished
2) Life assurance: the applicant has to effect a life assurance policy on his/her awnlife for the duration of not less than ten years and assign the said policy to the study loan committee. For purpose of economy, a term assurance policy will suffice.
(B) Repayment Scheme:
1) As soon as the applicant has completed his/her courses or ceases his /she study for whatever reasons, he/she must inform the study loan committee forewith and shall commence to repay the study loan within three months. Should he/she have definite plan to continue his/her academic pursuit he/she may apply to the study loan committee for postponement of study loan repayment for consideration.
2) Amount of repayment:
1. Before theapplicant has succeeded in obtaining an employment or engaged in any gainful occupations S$ 30.00 per month.
2. For those who have obtained an employment or occupation, the following repayment scheme shall apply.
| Monthly Income | Monthly Repayment |
| S$2,000.00 and below | S$100.00 |
| S$2,001.00 to S$3,000.00 | S$150.00 |
| S$3,001.00 to S$5,000.00 | S$300.00 |
| S$5,001.00 to S$7,500.00 | S$750.00 |
| S$7,500.00 to S$10,000.00 | S$1500.00 |
| S$10,001.00 to S$15,000.00 | S$3000.00 |
| S$15,001.00 to S$20,000.00 | S$5000.00 |
| S$20,001.00 to S$30,000.00 | S$8000.00 |
| S$30,001.00 to S$50,000.00 | S$10,000.00 |
| S$50,001.00 and above | S$15,000.00 |
All payment must be received by the studyloan committee before the 10th day of every calendar month.
The above scheme of payment may be revisedfrom time to time as and when the study loan committee deems it fit to do so.
(10) The Duty and Due Performance Requiredby the Successful Applicants:
Any applicantupon successfully been granted the study loan shall diligently undertake to perform the following:
(a) To furnish his/her academicresults to the study loan committee as soon as he/she receives such result from the tertiary institute concerned.
(b) Upon completion of his/heracademic study to furnish to the study loan committee particulars of his/her occupation income and other relevant information as required by the study loan committee.
(c) Should there be any change ofhis/her occupation address to inform the study loan committee immediately.
(d) The applicant should authorizethe study loan committee to request particulars of his/her occupation, income from his/her employers.
(e) Should the applicant fail torepay the study loan in accordance with scheme of repayment not in time, he/she has to pay an overdue interest of 12% per year subject to a minimum charge of S$20.00 per month.
(f) Should the applicant fail torepay the study loan, the study loan committee may take legal actions to recover the amount overdue and all legal cost incurred thereby shall be borne by the applicant.
(11) The Power of the Study Loan Committee:
The Study Loan Committee shall haveabsolute discretion in the selection of successful applicants and the distribution of the study loan fund, and may submit the particulars to the Management Committee of Foong Shoon Fui Kuan. The Management Committee of Foong Shoon Fui Kuan shall not interfere with the decision of the study loan committee in all matters pertaining to the administration and management of the study loan fund.
(12) Amendment to the Rules and Regulations of the Study Loan Programme:
The rules and regulations of the study loan programme shall beeffective as soon as it is approved by the study loan committee who may revise the rules and regulations from time to time as it deems fit to do so.
(13)
(a) Any member or associate member of Foong ShoonFui Kuan, may sponsor for one or more loan scheme for a duration of four to six years. The sponsor of such loan scheme, deserve the right to name such loan scheme of his/her choice.
(b) In the case where a specialloan scheme is sponsored by a member or associate member of Foong Shoon Fui Kuan, this said sponsor mayopt to make the eligibility of applicant easier than as specificin condition (3) of the programme.
(14) Dissolution.
Should underany unexpected circumstances whereby the study loan programme has to be dissolved,the study loan committee may at its sole discretion distribute the study loan fund to any charitable organisations of its choice.
Addendum: First Study Loan Committee
Chairman: Mr. Liew Sing Hun
Secretary: Mr. Wong Meow Khien
Treasurer: Ms. Liew Shiau Wei
Committee Member: Mr. Pung Pek Song
Mr. Chong Fun Liam
Mr. Liew Shiau Wen