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The Money Agreement Between Two Parties is a crucial legal instrument used in Hong Kong to formalize lending arrangements between individuals and/or corporate entities. This document is essential when one party agrees to lend money to another under specific terms and conditions, whether for business expansion, personal use, or project financing. It complies with Hong Kong's legal framework, particularly the Money Lenders Ordinance and interest rate regulations. The agreement is designed to protect both lender and borrower interests by clearly stating loan terms, repayment schedules, security arrangements, and default consequences. It's commonly used in various scenarios ranging from corporate financing to private lending arrangements, and can be adapted to accommodate different security structures and repayment terms while maintaining compliance with Hong Kong law.

1. Parties: Identification and details of the lender and borrower, including full legal names, addresses, and identification numbers

2. Background: Context of the loan agreement and relationship between the parties

3. Definitions: Definitions of key terms used throughout the agreement

4. Loan Amount and Purpose: Specification of the principal amount and intended use of the loan

5. Interest Rate: Clear statement of interest rate, calculation method, and compliance with Hong Kong interest rate caps

6. Repayment Terms: Schedule of repayments, including dates, amounts, and method of payment

7. Security: Details of any security or collateral provided for the loan

8. Events of Default: Circumstances constituting default and consequences thereof

9. Representations and Warranties: Standard declarations by both parties regarding their capacity and authority

10. Governing Law and Jurisdiction: Specification of Hong Kong law as governing law and jurisdiction for disputes

11. Notices: Process and addresses for formal communications between parties

12. Execution: Signature blocks and execution requirements