The Vehicle Loan Agreement is essential for transactions involving financed vehicle purchases in Hong Kong. It is used when a borrower requires financing to purchase a vehicle and a lender agrees to provide such financing against security over the vehicle. The agreement must comply with Hong Kong's regulatory framework, particularly the Money Lenders Ordinance (Cap. 163) and Road Traffic Ordinance (Cap. 374). It includes detailed provisions about the loan amount, interest rates, repayment terms, vehicle specifications, security arrangements, insurance requirements, and enforcement mechanisms. This document is crucial for protecting both lender and borrower interests while ensuring the transaction meets all local legal and regulatory requirements for vehicle financing.
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1. Parties: Identifies and defines the Lender and Borrower with full legal names and addresses
2. Background: Explains the context of the loan agreement and the Borrower's request for vehicle financing
3. Definitions: Defines key terms used throughout the agreement including Loan Amount, Vehicle, Security Interest, etc.
4. Loan Details: Specifies the loan amount, interest rate, term, and purpose of the loan
5. Vehicle Details: Comprehensive description of the vehicle including make, model, year, VIN, registration number
6. Repayment Terms: Details of payment schedule, installment amounts, payment methods, and early repayment provisions
7. Security Interest: Creates and defines the security interest over the vehicle in favor of the lender
8. Insurance Requirements: Mandatory insurance requirements and lender's rights regarding insurance
9. Borrower's Representations: Borrower's warranties regarding their capacity, vehicle ownership, and financial condition
10. Borrower's Obligations: Ongoing obligations including vehicle maintenance, usage restrictions, and reporting requirements
11. Events of Default: Defines circumstances constituting default and consequences thereof
12. Enforcement Rights: Lender's rights and remedies upon default, including repossession procedures
13. General Provisions: Standard clauses including notices, amendments, governing law, and jurisdiction
1. Guarantor Provisions: Required when a guarantor is providing additional security for the loan
2. Co-borrower Provisions: Required when there are multiple borrowers for the same vehicle
3. Special Payment Arrangements: Include when there are non-standard payment terms or structures
4. Vehicle Usage Restrictions: Additional restrictions on vehicle use (e.g., commercial use, geographical restrictions)
5. Early Settlement Terms: Detailed early repayment terms when specifically negotiated
6. Cross-Default Provisions: Include when the borrower has other facilities with the same lender
7. Assignment and Transfer: Include when the lender may want to transfer or assign the loan
1. Schedule 1 - Vehicle Details: Detailed specification of the vehicle including registration documents and condition report
2. Schedule 2 - Payment Schedule: Amortization schedule showing all payments, interest, and principal portions
3. Schedule 3 - Insurance Requirements: Detailed insurance specifications and approved insurers
4. Schedule 4 - Fees and Charges: Complete list of all applicable fees, charges, and penalties
5. Schedule 5 - Vehicle Maintenance Requirements: Specific maintenance and servicing requirements
6. Appendix A - Direct Debit Authorization: Form for setting up automatic payment arrangements
7. Appendix B - Personal Data Collection Statement: Required statement under Hong Kong's Personal Data (Privacy) Ordinance
8. Appendix C - Vehicle Inspection Report: Initial condition report and inspection details of the vehicle
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