The Repayment Contract is a fundamental legal document used in Hong Kong to formalize debt obligations and their repayment terms. It is typically employed when there is a need to document a loan arrangement, whether in a commercial context between businesses or in personal lending situations. The document must comply with Hong Kong's legal requirements, particularly the Money Lenders Ordinance and Contract Ordinance, and includes essential elements such as parties' details, loan amount, interest rates (subject to local usury laws), repayment schedule, and default provisions. The Repayment Contract serves as a crucial tool for protecting both lender and borrower interests, providing clear terms for enforcement and dispute resolution under Hong Kong jurisdiction. It's particularly important in structured financing arrangements where clear documentation of obligations and security interests is essential.
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1. Parties: Identifies and defines the lender and borrower with their full legal names and addresses
2. Background: Describes the context of the loan and the parties' intention to enter into a repayment arrangement
3. Definitions: Defines key terms used throughout the agreement for clarity and consistency
4. Loan Amount and Purpose: Specifies the principal amount of the loan and its intended use
5. Repayment Terms: Details the repayment schedule, installment amounts, and payment methods
6. Interest: Specifies the interest rate, calculation method, and payment frequency
7. Security: Describes any collateral or security provided for the loan
8. Representations and Warranties: States the parties' assurances regarding their capacity and authority
9. Events of Default: Lists circumstances that constitute default and their consequences
10. Enforcement: Outlines the lender's rights and remedies in case of default
11. General Provisions: Contains standard clauses including notices, amendments, and governing law
1. Guarantor Provisions: Required when a third party guarantees the repayment obligations
2. Early Repayment: Include when early repayment is permitted, specifying any penalties or calculations
3. Insurance Requirements: Needed when specific insurance coverage is required for secured assets
4. Special Conditions: For any unique terms specific to the particular loan arrangement
5. Cross-Default: Include when the loan is part of a larger financing arrangement
6. Assignment and Transfer: Required when either party may need to transfer their rights or obligations
1. Repayment Schedule: Detailed table of payment dates, amounts, and allocation between principal and interest
2. Security Details: Specific description and documentation of any collateral or security provided
3. Calculation of Interest: Detailed methodology for interest calculations and examples
4. Form of Notice: Template for formal notices required under the agreement
5. Related Agreements: List and copies of any related security documents or guarantees
Relevant legal definitions
Agreement
Applicable Law
Business Day
Default Interest Rate
Default Notice
Event of Default
Effective Date
Final Repayment Date
Financial Indebtedness
Governing Law
Interest Payment Date
Interest Period
Interest Rate
Lender
Borrower
Guarantor
Loan
Loan Amount
Material Adverse Effect
Outstanding Amount
Payment Date
Permitted Purpose
Principal Amount
Repayment Date
Repayment Schedule
Security
Security Documents
Security Interest
Tax
Working Day
Hong Kong
HKD
Authorized Representative
Confidential Information
Related Party
Subsidiary
Force Majeure Event
Insolvency Event
Notice
Parties
Applicable Law
Business Day
Default Interest Rate
Default Notice
Event of Default
Effective Date
Final Repayment Date
Financial Indebtedness
Governing Law
Interest Payment Date
Interest Period
Interest Rate
Lender
Borrower
Guarantor
Loan
Loan Amount
Material Adverse Effect
Outstanding Amount
Payment Date
Permitted Purpose
Principal Amount
Repayment Date
Repayment Schedule
Security
Security Documents
Security Interest
Tax
Working Day
Hong Kong
HKD
Authorized Representative
Confidential Information
Related Party
Subsidiary
Force Majeure Event
Insolvency Event
Notice
Parties
Clauses
Loan Amount
Interest Rate
Repayment Terms
Security
Events of Default
Representations and Warranties
Covenants
Payment Mechanics
Default Interest
Early Repayment
Set-off Rights
Assignment
Confidentiality
Force Majeure
Notices
Amendments
Governing Law
Dispute Resolution
Severability
Entire Agreement
Counterparts
Third Party Rights
Costs and Expenses
Indemnification
Tax
Further Assurance
Waiver
Insurance
Cross Default
Information Undertakings
Financial Covenants
Acceleration Rights
Remedies
Term and Termination
Interest Rate
Repayment Terms
Security
Events of Default
Representations and Warranties
Covenants
Payment Mechanics
Default Interest
Early Repayment
Set-off Rights
Assignment
Confidentiality
Force Majeure
Notices
Amendments
Governing Law
Dispute Resolution
Severability
Entire Agreement
Counterparts
Third Party Rights
Costs and Expenses
Indemnification
Tax
Further Assurance
Waiver
Insurance
Cross Default
Information Undertakings
Financial Covenants
Acceleration Rights
Remedies
Term and Termination
Relevant Industries
Banking & Financial Services
Real Estate
Commercial Lending
Private Equity
Investment Management
Small Business & SMEs
Construction
Manufacturing
Retail
Professional Services
Relevant Teams
Legal
Finance
Compliance
Risk Management
Treasury
Credit Administration
Collections
Corporate Secretariat
Business Development
Account Management
Relevant Roles
Chief Financial Officer
Finance Director
Legal Counsel
Compliance Officer
Credit Manager
Loan Officer
Risk Manager
Treasury Manager
Collections Manager
Corporate Secretary
Financial Controller
Account Manager
Business Development Manager
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