The Loan Letter is a fundamental document in Hong Kong's lending practice, commonly used for both commercial and personal lending arrangements. It serves as a more streamlined alternative to a full loan agreement while maintaining legal enforceability under Hong Kong law. This document is particularly suitable for straightforward lending arrangements where the full complexity of a loan agreement may not be necessary. The letter format includes all essential loan terms, conditions precedent, repayment obligations, and any security requirements, while complying with Hong Kong's regulatory framework, including the Money Lenders Ordinance and Banking Ordinance. It's widely used by banks, financial institutions, and licensed money lenders in Hong Kong for documenting loan facilities ranging from personal loans to business financing.
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1. Addressee Details: Full name and address of the borrower
2. Lender Details: Letter head or clear identification of the lending institution
3. Loan Reference: Unique reference number and date of the letter
4. Loan Amount: Clear statement of the principal amount being offered
5. Interest Rate: Specification of interest rate, calculation method and payment frequency
6. Term: Duration of the loan and maturity date
7. Repayment Terms: Schedule of repayments, including frequency and amount
8. Conditions Precedent: Requirements to be met before the loan is advanced
9. Representations: Key statements about the borrower's status and capacity
10. Acceptance Mechanism: How and when to accept the offer, typically by countersigning
1. Security Arrangements: Include when the loan is secured against specific assets
2. Guarantee Requirements: Include when a guarantor is required for the loan
3. Purpose of Loan: Include when the loan is for a specific purpose that needs to be documented
4. Insurance Requirements: Include when specific insurance coverage is required
5. Early Repayment Terms: Include when early repayment is permitted with specific conditions
6. Events of Default: Include for more complex loans where specific default triggers need to be documented
7. Fees and Charges: Include when there are arrangement fees, processing fees or other charges
1. Repayment Schedule: Detailed breakdown of repayment dates and amounts
2. Security Details: Description of any assets provided as security
3. Drawdown Notice: Form of notice to be used when requesting loan disbursement
4. Fee Schedule: Detailed breakdown of all applicable fees and charges
5. Conditions Precedent Checklist: List of documents and conditions to be satisfied before drawdown
Relevant legal definitions
Business Day
Default Interest Rate
Drawdown Date
Facility
Final Repayment Date
Interest Payment Date
Interest Period
Interest Rate
Loan
Material Adverse Effect
Maturity Date
Outstanding Amount
Permitted Purpose
Potential Event of Default
Repayment Date
Repayment Schedule
Security
Security Document
Tax
Event of Default
Conditions Precedent
Availability Period
Borrower
Lender
Guarantor
Hong Kong
HKD
HIBOR
Default Interest Rate
Drawdown Date
Facility
Final Repayment Date
Interest Payment Date
Interest Period
Interest Rate
Loan
Material Adverse Effect
Maturity Date
Outstanding Amount
Permitted Purpose
Potential Event of Default
Repayment Date
Repayment Schedule
Security
Security Document
Tax
Event of Default
Conditions Precedent
Availability Period
Borrower
Lender
Guarantor
Hong Kong
HKD
HIBOR
Clauses
Loan Amount
Interest
Repayment
Security
Conditions Precedent
Representations and Warranties
Undertakings
Events of Default
Fees and Expenses
Notice Requirements
Governing Law
Assignment
Confidentiality
Set-off Rights
Early Repayment
Default Interest
Tax Gross-up
Currency
Payment Mechanics
Acceptance
Interest
Repayment
Security
Conditions Precedent
Representations and Warranties
Undertakings
Events of Default
Fees and Expenses
Notice Requirements
Governing Law
Assignment
Confidentiality
Set-off Rights
Early Repayment
Default Interest
Tax Gross-up
Currency
Payment Mechanics
Acceptance
Relevant Industries
Banking
Financial Services
Real Estate
Construction
Manufacturing
Retail
Technology
Healthcare
Education
Professional Services
Small and Medium Enterprises
Import/Export
Relevant Teams
Legal
Compliance
Credit
Risk Management
Finance
Operations
Treasury
Commercial Banking
Corporate Banking
Retail Banking
Documentation
Credit Administration
Relevant Roles
Credit Manager
Loan Officer
Relationship Manager
Legal Counsel
Compliance Officer
Risk Manager
Credit Analyst
Financial Controller
Chief Financial Officer
Banking Manager
Treasury Manager
Operations Manager
Company Secretary
Director of Finance
Credit Risk Officer
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