IELTS

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Eligibility
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Most New Zealand universities accept the Indian graduation system of three years for entry into most postgraduate courses. An Indian bachelor degree like B.A., B.Com. or B.Sc. is equivalent to a New Zealand Bachelor (Ordinary) Degree.
However, some courses and universities may require a qualification equivalent to New Zealand Bachelor (Honours) Degree, which requires 16 years of formal education, which would mean another year after graduation or a four year degree course like B.E., B.Tech or other such courses.
For pg, the IELTS is 6.5 or else you need to take a bridge programme. Professional and vocational courses require relevant work experience. For instance, many MBAs or Masters courses in Information Studies require at least a couple of years work experience. Most New Zealand universities are pretty strict about this.
Coming to loans, you need to check with banks about the application process.