The Mortgage Loan Purchase Agreement is a crucial document used in Hong Kong's financial sector when one financial institution seeks to acquire a portfolio of mortgage loans from another. This type of transaction is common in portfolio management, capital optimization, or strategic restructuring scenarios. The agreement must comply with Hong Kong's robust financial regulatory framework, including banking regulations, property laws, and data privacy requirements. It typically includes detailed provisions about the loan portfolio, pricing mechanisms, representations about the quality of the loans, and procedures for transferring the mortgages. The document is particularly important in Hong Kong's active property market, where mortgage portfolios represent significant assets on banks' balance sheets. The agreement must address specific local requirements such as registration with the Land Registry and compliance with the Hong Kong Monetary Authority's guidelines.
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1. Parties: Identifies the seller and purchaser of the mortgage loans
2. Background: Sets out the context of the transaction and the parties' intentions
3. Definitions and Interpretation: Defines key terms and establishes interpretation rules
4. Sale and Purchase: Core provisions regarding the transfer of the mortgage loans
5. Purchase Price and Payment: Specifies the purchase price calculation method and payment terms
6. Conditions Precedent: Conditions that must be satisfied before completion
7. Completion: Details of the completion process and requirements
8. Seller's Representations and Warranties: Warranties about the seller and the mortgage loan portfolio
9. Purchaser's Representations and Warranties: Warranties about the purchaser's capacity and authority
10. Transfer Mechanics: Procedures for transferring the loans and related security
11. Post-Completion Obligations: Ongoing obligations after completion
12. Regulatory Compliance: Compliance with banking and financial regulations
13. Confidentiality: Protection of confidential information and data privacy
14. Notices: Process for giving formal notices under the agreement
15. General Provisions: Standard boilerplate clauses including governing law, jurisdiction, etc.
1. Servicing Arrangements: Required if the seller will continue servicing the loans post-transfer
2. Security Trust: Needed if security interests are held on trust
3. Buy-Back Provisions: Optional provisions for the seller to repurchase certain loans
4. Data Protection: Extended data protection provisions if dealing with significant personal data
5. Foreign Account Tax Compliance Act (FATCA): Required if any party is subject to US FATCA requirements
6. Securitization Provisions: Required if the loans are intended for securitization
7. Electronic Signing: Optional provisions for electronic execution if permitted
1. Schedule 1 - Loan Portfolio Details: Detailed list and characteristics of the mortgage loans being purchased
2. Schedule 2 - Form of Transfer Documents: Templates for assignment deeds and transfer notifications
3. Schedule 3 - Loan Level Warranties: Detailed warranties for individual loans in the portfolio
4. Schedule 4 - Completion Requirements: Detailed list of documents and actions required at completion
5. Schedule 5 - Seller's Power of Attorney: Form of power of attorney for post-completion actions
6. Schedule 6 - Notice to Borrowers: Form of notice to inform borrowers of the transfer
7. Appendix A - Eligibility Criteria: Criteria that loans must meet to be included in the sale
8. Appendix B - Due Diligence Findings: Summary of due diligence results and identified issues
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Real Estate
Mortgage Lending
Asset Management
Investment Banking
Legal Services
Financial Technology
Relevant Teams
Legal
Finance
Risk Management
Compliance
Treasury
Credit
Operations
Portfolio Management
Due Diligence
Asset Management
Mortgage Administration
Transaction Management
Relevant Roles
Chief Financial Officer
Legal Counsel
Mortgage Portfolio Manager
Risk Manager
Compliance Officer
Treasury Manager
Portfolio Analyst
Credit Risk Officer
Transaction Manager
Due Diligence Manager
Asset Manager
Banking Operations Manager
Financial Controller
Securitization Manager
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