The Loan With Collateral Agreement is a fundamental document in secured lending transactions under Hong Kong law. It is typically used when a lender requires security over specific assets as protection for their loan exposure, whether in commercial, real estate, or other financing contexts. The agreement combines standard loan facility provisions with security arrangements, ensuring compliance with Hong Kong's Money Lenders Ordinance, Companies Ordinance, and other relevant legislation. It is particularly important in Hong Kong's dynamic financial market, where secured lending forms a crucial part of business financing. The document addresses key aspects including loan terms, security creation, perfection requirements, enforcement mechanisms, and the specific rights and obligations of all parties involved.
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1. Parties: Identifies and defines the Lender and Borrower with full legal names and addresses
2. Background: Sets out the context of the loan and the intention to create security interest
3. Definitions and Interpretation: Defines key terms and establishes interpretation rules for the agreement
4. Loan Amount and Purpose: Specifies the principal amount and permitted use of the loan funds
5. Interest and Fees: Details the interest rate, calculation method, and any applicable fees
6. Repayment Terms: Specifies repayment schedule, method, and prepayment provisions
7. Security and Collateral: Describes the assets provided as collateral and creation of security interest
8. Representations and Warranties: States the parties' assertions about their capacity and the collateral
9. Covenants: Sets out ongoing obligations of the Borrower regarding the loan and collateral
10. Events of Default: Lists circumstances constituting default and consequences
11. Enforcement Rights: Details the Lender's rights and remedies upon default
12. Governing Law and Jurisdiction: Specifies Hong Kong law as governing law and jurisdiction for disputes
1. Guarantor Provisions: Include when a third party guarantees the loan obligations
2. Insurance Requirements: Include when specific insurance must be maintained for the collateral
3. Cross-Default Provisions: Include when the loan is part of a larger financing arrangement
4. Security Trustee Provisions: Include when there are multiple lenders requiring a security trustee
5. Currency Provisions: Include when the loan or repayment involves foreign currency
6. Assignment and Transfer: Include when rights to assign or transfer the loan need to be addressed
7. Further Assurance: Include when additional documentation or actions may be required post-signing
1. Repayment Schedule: Detailed breakdown of repayment dates and amounts
2. Collateral Description: Detailed description and/or listing of all assets serving as collateral
3. Form of Drawdown Notice: Standard form for requesting disbursement of loan funds
4. Security Documents: Forms of additional security documents to be executed
5. Condition Precedent Documents: List of documents required before loan disbursement
6. Permitted Security Interests: List of pre-existing or permitted encumbrances on collateral
7. Insurance Requirements: Detailed specifications for required insurance coverage
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