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Carlsberg Hua Zong Education Fund (CEF) Study Loan

Carlsberg Hua Zong Education Fund (CEF) Study Loan


The Carlsberg Hua Zong Education Fund (CEF) Study Loan is open to all Malaysian citizens who are enrolled in local or foreign institutions of higher learning hold certificates in UEC, SPM or STPM; Diplomas; and/or any higher certificates; and are ambitious, enthusiastic and responsible.

Date of Application

  • The loan application form is available in May each year.

  • Applications can be made between May and June .

  • The exact deadline will be determined by the Fund Management Committee after studying the commencement dates of different institutions of higher learning. The Committee will publish the exact deadline and other details on the CEF website and in the major press nationwide.

Application Procedure

  • Applicants are required to submit the following documents to The Federation of Chinese Associations, Malaysia before the application deadline:
    - Three copies of the completed loan application form (photocopies are allowed)
    - IC (photocopy)
    - Recent passport-size photograph
    - Academic transcripts (photocopies certified by the relevant institution)
    - Certificates of Award or Achievement (photocopies)
    - Letter of Admission or Certificate of Enrolment from the institution of higher learning (photocopy certified by the relevant institution)
    - ICs of two guarantors (photocopies)
    - Proofs of income of two guarantors, e.g. pay slip, income tax Form J or employment letter (photocopies)
  • The loan application form can be downloaded here. Alternatively, applicants may visit or write The Federation of Chinese Associations, Malaysia to request for an application form (for write-in requests, please attach a self-addressed, stamped envelope).

  • We will not process application forms that are incomplete or received after the application deadline.
Selection Criteria

The CEF Management Committee will select the loan beneficiary based on the following criteria:

  • Academic performance.

  • Performance in extra-curricular activitie.

  • Family financial circumstances.

  • The institution and the course undertaken.

    The decision of the Fund Management Committee is final.

Loan Amount and Number of Beneficiaries

  • Every beneficiary will receive an interest-free loan of RM5,000 in each academic year for the official duration of the course.

  • The Fund Management Committee will determine the number of beneficiaries for each year based on the fund’s annual financial status.


Successful applicants will be notified via mail and telephone within one-and-a-half months from the application deadline, and will be invited to attend the loan-contract signing and award ceremony. Unsuccessful applicants will not be notified.

Signing of Loan Contract

  • Loan beneficiaries are required to sign a contract with the CEF. The beneficiaries must fulfill their responsibilities and obligations as stated in the contract throughout the loan period, and make loan repayments in accordance with the contract after graduation.

  • Every loan beneficiary must have two guarantors, the first one being the beneficiary’s parent or guardian. Both guarantors must be Malaysian citizens aged 21 and above.

  • Both guarantors are required to sign a contract with the CEF. The guarantors are obliged to make repayments on behalf of the beneficiary in the case of the beneficiary’s failure to make loan repayments after graduation.

Loan Release

  • Every beneficiary must open a savings account with a designated bank. The Fund Management Committee will deposit the loan amount into the beneficiary’s bank account directly.

  • The Fund Management Committee will release the loan on a yearly basis upon commencement of the course.