The Loan Application Letter is a crucial document in Hong Kong's banking and financial services sector, serving as the formal initiation of a loan request process. This document is required whenever an individual or business seeks to obtain financing from a bank or licensed money lender in Hong Kong. The letter must be drafted in compliance with Hong Kong's Banking Ordinance (Cap. 155) and related financial regulations, incorporating all necessary elements for proper credit assessment. The Loan Application Letter typically includes detailed information about the applicant's financial status, employment history, purpose of the loan, proposed repayment schedule, and any collateral being offered. It forms the basis for the lender's evaluation process and subsequent credit decisions, while also serving as a record of the applicant's formal request and declarations.
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1. Applicant Information: Full legal name, HKID/passport number, contact details, and current residential address of the loan applicant
2. Loan Request Details: Specific amount requested, intended purpose of the loan, and preferred repayment period
3. Employment Information: Current employer details, position, length of employment, and monthly income
4. Financial Position: Current assets, liabilities, and other financial commitments including existing loans or mortgages
5. Banking Relationship: Existing relationship with the bank, account numbers, and duration of relationship
6. Property Information: Details of any property being used as security (if applicable)
7. Declaration: Statement confirming the truthfulness of provided information and consent for credit checks
1. Business Information: Required only for business loan applications - includes business registration details, financial statements, and trading history
2. Guarantor Information: Include when a guarantor is being proposed for the loan - contains guarantor's personal and financial details
3. Additional Income Sources: Optional section for applicants with multiple income streams or irregular income patterns
4. Prior Banking Relationships: Include when applicant has significant banking history with other institutions that could strengthen the application
5. Project Details: Required for project-specific loans - includes detailed breakdown of how funds will be used
1. Income Proof Documents: List of attached salary slips, tax returns, or other income verification documents
2. Asset Documentation: List of documents proving ownership of declared assets
3. Bank Statements: Last 3-6 months of bank statements from all relevant accounts
4. Property Valuation Report: If property is offered as security, include professional valuation report
5. Credit Report: Recent credit report from recognized credit reference agency
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