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1. Parties: Identification of the lender and borrower with full legal names and registration details
2. Background: Context of the loan agreement, including purpose of the loan and any relevant business relationship
3. Definitions and Interpretation: Definitions of key terms used throughout the agreement and rules of interpretation
4. The Facility: Details of the loan amount, purpose, and drawdown conditions
5. Interest and Fees: Interest rate, calculation method, payment periods, and any applicable fees
6. Repayment Terms: Repayment schedule, prepayment provisions, and payment mechanics
7. Conditions Precedent: Conditions that must be satisfied before the loan can be drawn
8. Representations and Warranties: Statements of fact and assurances given by the borrower
9. Covenants: Positive and negative obligations of the borrower during the loan term
10. Events of Default: Circumstances that would constitute default and their consequences
11. Security: Basic security provisions and cross-reference to security documents
12. Payments and Calculations: Payment mechanics, business day conventions, and calculation principles
13. Changes to Parties: Rules regarding assignment and transfer of rights and obligations
14. Notices: Communication methods and contact details for formal notices
15. General Provisions: Standard boilerplate clauses including severability, entire agreement, and amendments
16. Governing Law and Jurisdiction: Hong Kong law as governing law and jurisdiction for disputes
1. Guarantee Provisions: Required when there are guarantors for the loan
2. Subordination: Needed when there are multiple lenders or existing loans requiring priority arrangements
3. Special Drawing Conditions: Used for multiple tranches or special drawdown requirements
4. Insurance Requirements: Detailed insurance obligations when specific insurance coverage is required
5. Additional Security Provisions: Required for complex security arrangements or multiple types of security
6. Financial Covenants: Detailed financial maintenance covenants for larger or more complex loans
7. Tax Gross-Up and Indemnities: Required for cross-border loans or when tax implications need specific attention
8. Agency Provisions: Needed in syndicated loans with an agent bank
9. Currency Provisions: Required for multi-currency facilities or foreign currency loans
1. Schedule 1 - Conditions Precedent: Detailed list of required documents and conditions before drawdown
2. Schedule 2 - Form of Drawdown Notice: Template for borrower to request loan disbursement
3. Schedule 3 - Repayment Schedule: Detailed amortization schedule if applicable
4. Schedule 4 - Security Details: Specific details of all security assets and documentation
5. Schedule 5 - Fee Schedule: Breakdown of all applicable fees and charges
6. Schedule 6 - Form of Compliance Certificate: Template for periodic compliance reporting
7. Appendix A - Calculation of Interest: Detailed methods and examples of interest calculations
8. Appendix B - Form of Notice: Templates for various notices required under the agreement
Banking and Financial Services
Commercial Lending
Real Estate
Manufacturing
Retail
Technology
Healthcare
Construction
Import/Export
Logistics
Professional Services
Hospitality
Education
Agriculture
Energy
Legal
Finance
Treasury
Compliance
Risk Management
Credit
Corporate Banking
Commercial Banking
Operations
Business Development
Company Secretarial
Executive Management
Relationship Management
Chief Financial Officer
Finance Director
Treasury Manager
Financial Controller
Legal Counsel
Compliance Officer
Risk Manager
Credit Manager
Business Development Manager
Corporate Banking Officer
Loan Officer
Commercial Director
Company Secretary
Managing Director
Chief Executive Officer
Operations Manager
Account Manager
Relationship Manager
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