A Commitment Letter From Lender is a critical document in Hong Kong's financial landscape, typically used when a financial institution has approved financing for a borrower but before the full facility documentation is executed. This document outlines the lender's formal commitment to provide financing subject to specified terms and conditions. It serves as a bridge between initial credit approval and final loan documentation, providing certainty to all parties while detailed documentation is being prepared. The letter must comply with Hong Kong's banking regulations and financial services requirements, including the Banking Ordinance and related legislation. It's particularly important in time-sensitive transactions where parties need formal confirmation of the financing commitment before proceeding with their business arrangements.
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1. Letterhead and Date: Bank/Lender's letterhead, date, and reference number
2. Addressee Details: Full name and address of the borrower/recipient
3. Subject Line: Clear indication that this is a commitment letter and brief description of the facility
4. Introduction: Opening paragraph confirming the lender's commitment to provide the facility
5. Facility Amount and Type: Detailed description of the amount and type of facility being offered
6. Key Commercial Terms: Interest rate, tenure, repayment terms, and fee structure
7. Conditions Precedent: List of conditions that must be satisfied before the facility becomes available
8. Security Requirements: Details of any collateral or security required
9. Representations and Covenants: Key promises and ongoing obligations of the borrower
10. Validity Period: Period for which the commitment remains valid and needs to be accepted
11. Acceptance Mechanism: Instructions for how to accept the commitment letter
12. Closing and Signature: Formal closing, signature block for authorized signatory
1. Purpose of Facility: Detailed description of the permitted use of funds - included when specific use restrictions apply
2. Draw-down Mechanics: Details of how and when funds can be drawn - included for complex facilities with multiple draw-downs
3. Key Financial Covenants: Specific financial ratios or requirements - included for corporate borrowers or larger facilities
4. Events of Default: Specific circumstances that would trigger default - included for more complex facilities
5. Regulatory Compliance: Specific regulatory requirements - included when dealing with regulated industries or special purposes
6. Assignment Provisions: Terms regarding assignability of the commitment - included for syndicated or transferable facilities
7. Confidentiality Requirements: Specific confidentiality obligations - included for sensitive or complex transactions
1. Term Sheet: Detailed breakdown of all commercial terms and conditions
2. Fee Schedule: Comprehensive list of all applicable fees and charges
3. Required Documentation: List of documents required for conditions precedent
4. Form of Drawdown Notice: Template for requesting disbursement of funds
5. Security Details: Detailed description of required security and associated terms
Relevant legal definitions
Facility
Facility Amount
Borrower
Lender
Business Day
Conditions Precedent
Security
Security Documents
Interest Rate
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
Availability Period
Repayment Date
Event of Default
Material Adverse Effect
Permitted Purpose
Interest Payment Date
Commitment Fee
Arrangement Fee
Financial Statements
Group
Guarantor
Security Provider
Validity Period
Governing Law
Banking Day
HIBOR
Authorized Representative
Facility Amount
Borrower
Lender
Business Day
Conditions Precedent
Security
Security Documents
Interest Rate
Default Rate
Drawdown
Drawdown Date
Drawdown Notice
Availability Period
Repayment Date
Event of Default
Material Adverse Effect
Permitted Purpose
Interest Payment Date
Commitment Fee
Arrangement Fee
Financial Statements
Group
Guarantor
Security Provider
Validity Period
Governing Law
Banking Day
HIBOR
Authorized Representative
Clauses
Facility Description
Purpose
Availability
Interest and Fees
Repayment Terms
Security
Conditions Precedent
Representations and Warranties
Covenants
Events of Default
Assignment
Confidentiality
Governing Law
Documentation
Validity Period
Acceptance
Costs and Expenses
Notice Requirements
Amendment and Waiver
Regulatory Compliance
Purpose
Availability
Interest and Fees
Repayment Terms
Security
Conditions Precedent
Representations and Warranties
Covenants
Events of Default
Assignment
Confidentiality
Governing Law
Documentation
Validity Period
Acceptance
Costs and Expenses
Notice Requirements
Amendment and Waiver
Regulatory Compliance
Relevant Industries
Banking and Financial Services
Real Estate and Property Development
Manufacturing
Trading and Commerce
Technology and Innovation
Infrastructure and Construction
Healthcare
Retail and Consumer Services
Hospitality and Tourism
Professional Services
Energy and Utilities
Transportation and Logistics
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Corporate Banking
Credit
Commercial Banking
Business Development
Corporate Secretariat
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Corporate Banking Officer
Credit Risk Manager
Legal Counsel
Compliance Officer
Relationship Manager
Credit Analyst
Financial Controller
Commercial Banking Manager
Business Development Manager
Corporate Secretary
Risk Management Officer
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