Master Loan Agreement Template for Hong Kong

1. Security: Required when the loan is secured against assets or guarantees

2. Guarantee: Include when there are third-party guarantors for the loan

3. Insurance: Required when specific insurance coverage is mandatory for the loan

4. Syndication Provisions: Include for loans that may be syndicated to multiple lenders

5. Tax Gross-Up and Indemnities: Required for cross-border lending or when tax implications need specific attention

6. Increased Costs: Include when regulatory changes might affect the cost of maintaining the loan

7. Set-off Rights: Optional provisions for the lender's right to set off debts against other accounts

8. Multi-currency Provisions: Required when the facility allows for drawings in multiple currencies

1. Schedule 1 - Conditions Precedent: Detailed list of documents and conditions required before first drawdown

2. Schedule 2 - Form of Drawdown Request: Template for borrower to request loan disbursements

3. Schedule 3 - Repayment Schedule: Detailed schedule of repayment dates and amounts

4. Schedule 4 - Form of Transfer Certificate: Template for transferring loan participations

5. Schedule 5 - Financial Covenants: Detailed financial ratios and calculations required to be maintained

6. Schedule 6 - Forms of Security Documents: Templates or references to associated security documentation

7. Appendix A - Interest Calculation Examples: Examples showing how interest will be calculated in various scenarios

8. Appendix B - Contact Details: Detailed contact information for all parties and authorized representatives