This Unsecured Loan Note template is designed for use in Hong Kong lending transactions where the lender provides financing without taking security over specific assets of the borrower. It is commonly used in both commercial and private lending scenarios, particularly where the borrower's creditworthiness or relationship with the lender eliminates the need for specific security. The document complies with Hong Kong's Money Lenders Ordinance and related regulations, including interest rate restrictions and mandatory disclosure requirements. It includes comprehensive provisions covering loan terms, repayment obligations, events of default, and enforcement mechanisms, while being adaptable for various lending scenarios from corporate financing to individual loans. The template is structured to meet both regulatory requirements and commercial expectations in the Hong Kong market.
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1. Parties: Identification of the lender and borrower with full legal names and addresses
2. Background: Context of the loan arrangement and relationship between parties
3. Definitions: Key terms used throughout the document, including financial and technical terms
4. Loan Amount and Purpose: Specification of the principal amount and intended use of the loan
5. Interest: Interest rate, calculation method, and payment frequency in compliance with Hong Kong interest rate regulations
6. Repayment Terms: Schedule of repayments, payment methods, and prepayment provisions
7. Representations and Warranties: Standard declarations by the borrower about their capacity and authority to enter into the loan
8. Events of Default: Circumstances that constitute default and trigger enforcement rights
9. Consequences of Default: Actions the lender may take upon default, including acceleration of the loan
10. Notices: Process and addresses for formal communications between parties
11. Governing Law and Jurisdiction: Confirmation of Hong Kong law and jurisdiction
12. Execution: Signature blocks and execution formalities
1. Security: Although primarily unsecured, may include negative pledge or other protective covenants
2. Guarantor Provisions: Include when a guarantor is providing additional comfort for the loan
3. Financial Covenants: Include for corporate borrowers to maintain certain financial metrics
4. Assignment and Transfer: Include if the lender wants the right to assign or transfer the loan
5. Information Undertakings: Include for corporate borrowers to provide ongoing financial information
6. Tax Gross-Up: Include if tax implications need to be addressed explicitly
7. Multiple Borrowers: Include when there are joint borrowers to specify joint and several liability
1. Repayment Schedule: Detailed amortization table showing payment dates and amounts
2. Form of Drawdown Notice: If the loan is to be drawn in multiple tranches
3. Conditions Precedent: List of documents and conditions required before loan disbursement
4. Forms of Notices: Standard forms for various notices under the agreement
5. Calculation of Interest: Detailed methodology for interest calculation if complex
6. Contact Details: Comprehensive contact information for all parties
Relevant legal definitions
Clauses
Interpretation
Loan Facility
Purpose
Interest
Repayment
Prepayment
Payments
Representations and Warranties
Covenants
Information Undertakings
Events of Default
Acceleration
Set-off
Assignment
Notices
Costs and Expenses
Indemnities
Amendments
Waiver
Severability
Counterparts
Confidentiality
Force Majeure
Further Assurance
Time of Essence
Entire Agreement
Governing Law
Jurisdiction
Service of Process
Tax Compliance
Calculations
Currency
Joint and Several Liability
Loan Facility
Purpose
Interest
Repayment
Prepayment
Payments
Representations and Warranties
Covenants
Information Undertakings
Events of Default
Acceleration
Set-off
Assignment
Notices
Costs and Expenses
Indemnities
Amendments
Waiver
Severability
Counterparts
Confidentiality
Force Majeure
Further Assurance
Time of Essence
Entire Agreement
Governing Law
Jurisdiction
Service of Process
Tax Compliance
Calculations
Currency
Joint and Several Liability
Relevant Industries
Financial Services
Banking
Private Lending
Real Estate
Commercial Trading
Manufacturing
Retail
Technology
Professional Services
Construction
Small and Medium Enterprises
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Credit
Corporate Banking
Private Banking
Company Secretarial
Business Development
Relationship Management
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Compliance Officer
Credit Manager
Loan Officer
Risk Manager
Company Secretary
Financial Controller
Business Development Manager
Relationship Manager
Corporate Banking Manager
Private Banking Manager
Legal Director
Managing Director
Finance Manager
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