1. Singapore employer: This is impossible. Singapore law does not allow employers to charge employees training fees.
2. Singapore intermediary: it is impossible. Singapore law does not allow intermediaries to charge fees other than agency fees.
3, domestic intermediary: this is possible, earning 20,000 more is 20,000. But Singapore can't give you a loan.
It is also possible that this whole thing is a scam. It's not that schools in Singapore recruit Chinese teachers at all, but that a short-term training course recruits students. After two months, you don't know if you have a job.
Judging whether it is a scam is also very simple:
1, ask who wants to collect money.
2. Don't pay or come to Singapore before obtaining the work permit approval letter (IPA) issued by the Ministry of Manpower of Singapore. Without this letter, no company in Singapore would hire you.
If the intermediary gets you a student ID card or even a tourist visa, it is 100% cheating you.
If you have any questions, ask them.