The Negotiable Promissory Note is a fundamental financial instrument widely used in Hong Kong's commercial landscape. It serves as a formal written promise to pay a specified sum of money, either on demand or at a predetermined future date. This document is particularly useful in business financing, commercial transactions, and debt arrangements where a transferable promise of payment is required. Governed by Hong Kong's Bills of Exchange Ordinance (Cap. 19), it must contain specific elements to be legally valid and negotiable, including an unconditional promise to pay, a fixed sum, identified parties, and proper execution. The note's negotiability allows it to be transferred to third parties, making it a flexible instrument for business transactions and financing arrangements.
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1. Promise to Pay: The unconditional promise to pay a specified sum of money, including the currency and amount both in figures and words
2. Maker Details: Full legal name and address of the maker (promisor) of the note
3. Payee Details: Full legal name and address of the payee or bearer to whom payment is to be made
4. Payment Terms: Specific details about when payment is due (maturity date) and whether it's on demand or at a fixed/determinable future time
5. Place of Payment: The location where the payment is to be made
6. Date and Place of Issue: The date when and place where the promissory note is issued
7. Signature Block: Space for the maker's signature and date of signing
1. Interest Provisions: Details of any interest payable, including rate and calculation method, used when the note bears interest
2. Security Provisions: Description of any security or collateral backing the note, included when the note is secured
3. Default and Acceleration: Terms regarding what constitutes default and any acceleration clauses, included when additional protection is needed
4. Prepayment Terms: Conditions for early payment, included when prepayment is allowed
5. Transfer Restrictions: Any limitations on negotiability or transfer, included when the note is not freely negotiable
6. Guarantor Provisions: Details of any guarantor and their obligations, included when there is a guarantor
1. Payment Schedule: Detailed schedule of installment payments if not a single payment, including dates and amounts
2. Security Details: Detailed description of any collateral or security provided, including registration numbers or specific identifiers
3. Guarantor Information: Detailed information about guarantors including their details and extent of guarantee
Relevant legal definitions
Clauses
Relevant Industries
Banking and Financial Services
Real Estate
Commercial Trading
Manufacturing
Import/Export
Professional Services
Construction
Retail
Technology
Healthcare
Relevant Teams
Legal
Finance
Treasury
Credit Control
Risk Management
Corporate Secretarial
Commercial Operations
Accounts Receivable
Investment
Banking Relations
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Financial Controller
Corporate Lawyer
Legal Counsel
Credit Manager
Risk Manager
Company Secretary
Commercial Director
Business Development Manager
Accounts Receivable Manager
Investment Manager
Banking Relationship Manager
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