Loan Agreement Form Template for Hong Kong

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Key Requirements PROMPT example:

Loan Agreement Form

"I need a Loan Agreement Form for a HKD 5 million secured corporate loan to be made to our manufacturing subsidiary in Hong Kong, with the parent company as guarantor and quarterly repayments starting March 2025."

Document background

This Loan Agreement Form is a standardized template designed for use in Hong Kong lending transactions, suitable for both corporate and individual borrowing arrangements. The document incorporates all essential elements required under Hong Kong law, particularly the Money Lenders Ordinance (Cap. 163) and related regulations. It is structured to facilitate various types of loans, from simple unsecured lending to complex secured facilities, and includes provisions for interest calculation, repayment terms, representations and warranties, and events of default. The agreement is particularly valuable for financial institutions, private lenders, and businesses engaging in lending activities within Hong Kong's jurisdiction, ensuring compliance with local regulatory requirements while providing flexibility for customization based on specific lending circumstances.

Suggested Sections

1. Parties: Identifies and defines the Lender and Borrower with their full legal names and addresses

2. Background: Sets out the context of the loan and the parties' intention to enter into the agreement

3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes rules of interpretation

4. The Loan: Specifies the loan amount, purpose, and conditions precedent to drawdown

5. Interest: Details the interest rate, calculation method, and payment frequency

6. Repayment: Specifies repayment terms, schedule, and methods of payment

7. Representations and Warranties: Sets out the statements of fact and assurances given by the Borrower

8. Borrower's Covenants: Details the Borrower's ongoing obligations throughout the loan term

9. Events of Default: Lists circumstances that would constitute a default and their consequences

10. Payments: Specifies payment mechanics, currency, and treatment of non-business days

11. Notices: Details how formal communications between parties should be made

12. General Provisions: Contains boilerplate clauses including assignment, amendments, and governing law

Optional Sections

1. Security: Include when the loan is secured by assets or property

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

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

4. Prepayment: Include when early repayment is permitted with specific terms

5. Change of Control: Include for corporate borrowers where ownership changes need to be restricted

6. Financial Covenants: Include for corporate borrowers where financial ratios need to be maintained

7. Syndication: Include when the loan may be syndicated to other lenders

8. Costs and Expenses: Include when there are specific arrangements for transaction costs

Suggested Schedules

1. Repayment Schedule: Details the dates and amounts of scheduled repayments

2. Form of Drawdown Notice: Template for the Borrower to request loan disbursement

3. Security Details: Details of any assets or property provided as security

4. Conditions Precedent Documents: List of documents required before loan disbursement

5. Form of Compliance Certificate: Template for periodic compliance reporting

6. Interest Calculation Examples: Examples showing how interest will be calculated

7. Required Insurance: Details of insurance policies to be maintained by Borrower

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co

Relevant legal definitions

Clauses

Relevant Industries

Banking

Financial Services

Real Estate

Construction

Manufacturing

Retail

Technology

Healthcare

Education

Transportation

Hospitality

Agriculture

Mining

Energy

Telecommunications

Relevant Teams

Legal

Finance

Compliance

Risk Management

Credit Administration

Corporate Secretariat

Treasury

Loan Operations

Document Management

Corporate Banking

Retail Banking

Relevant Roles

Chief Financial Officer

Finance Director

Legal Counsel

Compliance Officer

Credit Manager

Loan Officer

Risk Manager

Corporate Secretary

Financial Controller

Treasury Manager

Banking Relationship Manager

Credit Analyst

Legal Director

Debt Recovery Officer

Contract Administrator

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Authors

Alex Denne

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