Lender And Borrower Agreement Template for Hong Kong

1. Security: Include when the loan is secured by collateral, detailing the security arrangement

2. Guarantee: Include when there is a guarantor for the loan

3. Insurance: Include when specific insurance requirements are imposed on the Borrower

4. Special Drawing Conditions: Include for facilities with multiple drawdowns or special drawing requirements

5. Financial Covenants: Include for corporate borrowers with specific financial maintenance requirements

6. Tax Gross-Up: Include when tax implications need to be addressed explicitly

7. Increased Costs: Include when the Lender needs protection against regulatory changes affecting costs

8. Set-off Rights: Include when the Lender requires explicit set-off rights against Borrower's accounts

9. Joint and Several Liability: Include when there are multiple borrowers

10. Change of Circumstances: Include provisions for market disruption or changes affecting the loan

1. Schedule 1 - Loan Details: Contains specific loan terms including amount, interest rate, and repayment schedule

2. Schedule 2 - Conditions Precedent Documents: Lists all documents required before loan disbursement

3. Schedule 3 - Repayment Schedule: Detailed amortization schedule if applicable

4. Schedule 4 - Form of Drawdown Notice: Standard form for requesting loan disbursement

5. Schedule 5 - Security Documents: Lists and describes any security documents if loan is secured

6. Schedule 6 - Fees and Charges: Details all applicable fees, charges, and their calculation methods

7. Appendix A - Compliance Certificate: Standard form for periodic compliance certification if required

8. Appendix B - Standard Forms: Contains other standard forms required during the loan term