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1. Parties: Identifies and defines the Lender, Borrower, and any Security Provider
2. Background: Sets out the context of the loan and security arrangement
3. Definitions and Interpretation: Defines key terms and establishes interpretation principles
4. The Facility: Details of the loan amount, purpose, and drawdown conditions
5. Interest and Fees: Interest rate, calculation method, payment dates, and applicable fees
6. Repayment: Repayment terms, schedule, and prepayment provisions
7. Security: Description of security assets and creation of security interest
8. Representations and Warranties: Borrower's and Security Provider's representations and warranties
9. Covenants: Positive and negative obligations of the Borrower and Security Provider
10. Events of Default: Circumstances constituting default and consequences
11. Enforcement: Lender's rights and remedies upon default
12. Payments: Payment mechanics, currency, and tax provisions
13. Changes to Parties: Assignment and transfer provisions
14. Notices: Communication requirements and contact details
15. General Provisions: Miscellaneous legal and administrative provisions
16. Governing Law and Jurisdiction: Choice of Hong Kong law and jurisdiction provisions
1. Guarantees: Required when there is a separate guarantor for the loan
2. Insurance: Required when specific insurance coverage is needed for secured assets
3. Security Trustee Provisions: Required in syndicated loans with multiple lenders
4. Priority Arrangements: Required when there are multiple secured creditors
5. Financial Covenants: Required for corporate borrowers with specific financial metrics to maintain
6. Security Margin and Valuation: Required for securities-backed loans or property financing
7. Further Advances: Optional section for potential additional lending
8. Set-off Rights: Optional broader set-off rights beyond standard provisions
1. Conditions Precedent: List of required documents and conditions before drawdown
2. Security Assets: Detailed description and/or list of secured assets
3. Repayment Schedule: Detailed payment dates and amounts
4. Form of Drawdown Request: Template for borrower to request loan disbursement
5. Form of Compliance Certificate: Template for periodic compliance confirmation
6. Security Documents: Forms of specific security documents (charges, mortgages, etc.)
7. Permitted Security: List of pre-approved security interests over assets
8. Required Insurance: Details of required insurance coverage for secured assets
Affiliate
Agreement
Authorisation
Authority
Available Commitment
Banking Day
Borrower
Business Day
Charged Assets
Charged Property
Commitment
Compliance Certificate
Conditions Precedent
Default
Default Interest
Default Rate
Drawdown Date
Drawdown Notice
Drawdown Period
Encumbrance
Event of Default
Facility
Finance Documents
Financial Indebtedness
Financial Statements
Governmental Agency
Group
Guarantee
Guarantor
HIBOR
Hong Kong
Insolvency Event
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Material Adverse Effect
Maturity Date
Outstanding Amount
Permitted Security Interest
Potential Event of Default
Prepayment Amount
Principal Amount
Receiver
Reference Banks
Repayment Date
Repayment Schedule
Security
Security Agent
Security Documents
Security Interest
Security Period
Security Provider
Security Trust Deed
Security Trustee
Secured Obligations
Secured Parties
Tax
Transaction Documents
Unpaid Sum
Facility
Purpose
Conditions Precedent
Drawdown
Interest
Repayment
Prepayment
Security
Registration
Security Perfection
Representations and Warranties
Information Undertakings
Financial Covenants
General Undertakings
Negative Pledge
Events of Default
Acceleration
Enforcement
Security Power of Attorney
Set-off
Changes to Parties
Assignment and Transfer
Confidentiality
Data Protection
Costs and Expenses
Indemnities
Notices
Calculations
Remedies and Waivers
Amendments and Waivers
Severability
Counterparts
Third Party Rights
Governing Law
Jurisdiction
Service of Process
Banking
Financial Services
Real Estate
Manufacturing
Trading
Retail
Technology
Construction
Infrastructure
Healthcare
Hospitality
Logistics
Import/Export
Professional Services
Legal
Finance
Treasury
Compliance
Risk Management
Credit
Corporate Banking
Operations
Security Administration
Company Secretarial
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Compliance Officer
Credit Risk Manager
Relationship Manager
Loan Officer
Security Trustee Officer
Corporate Banker
Finance Manager
Company Secretary
General Counsel
Banking Lawyer
Risk Manager
Credit Analyst
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