A Letter of Intent for Bank Loan is commonly used in Hong Kong's banking sector as a preliminary document that bridges the gap between initial loan discussions and the execution of a final loan agreement. It is typically issued after the bank has conducted initial credit assessment but before proceeding with detailed documentation. The document outlines the bank's intention to provide financing subject to certain conditions, including proposed loan amount, interest rate, tenure, security requirements, and key conditions precedent. While predominantly non-binding, certain provisions such as confidentiality and exclusivity may be specifically marked as binding. This document is particularly important in Hong Kong's financial landscape, where it provides a structured framework for loan negotiations while allowing both parties to proceed with due diligence and detailed documentation. It reflects the requirements of Hong Kong's banking regulations and common law principles, serving as a crucial tool in commercial lending practices.
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1. Letter Head and Date: Bank's letterhead, date, and reference number
2. Addressee Details: Full name and address of the potential borrower
3. Subject Line: Clear indication that this is a Letter of Intent for [specific type of] loan facility
4. Introduction: Reference to the loan application and any previous discussions
5. Facility Details: Type of facility, proposed amount, purpose, and basic terms
6. Key Commercial Terms: Interest rate, tenure, repayment structure
7. Key Conditions Precedent: Essential conditions that must be met before loan disbursement
8. Security Requirements: Overview of required collateral or guarantees
9. Fees and Charges: Processing fees, commitment fees, and other applicable charges
10. Validity Period: Period for which the LOI remains valid
11. Non-Binding Statement: Clear statement about which provisions are non-binding, except specific binding terms
12. Confidentiality: Statement regarding confidentiality of the LOI terms
13. Closing and Signature: Signature blocks and acceptance provision
1. Special Conditions: Additional conditions specific to the borrower or facility type
2. Corporate Requirements: For corporate borrowers - specific corporate authorizations needed
3. Insurance Requirements: If specific insurance coverage is required for the facility
4. Project Details: For project financing - specific details about the project being funded
5. Foreign Exchange Provisions: For foreign currency loans - specific FX related terms
6. Group Structure Details: For corporate borrowers with complex group structures
7. Environmental Compliance: For projects requiring environmental compliance verification
1. Schedule 1 - Facility Summary: Detailed breakdown of the proposed facility terms
2. Schedule 2 - Fee Structure: Detailed breakdown of all applicable fees and charges
3. Schedule 3 - Security Details: Detailed description of required security/collateral
4. Schedule 4 - Conditions Precedent: Comprehensive list of all conditions precedent
5. Appendix A - Required Documents: List of documents required for loan processing
6. Appendix B - Standard Terms Reference: Reference to bank's standard terms and conditions applicable to the facility
Authors
Relevant legal definitions
Clauses
Relevant Industries
Banking and Financial Services
Real Estate and Property
Manufacturing
Retail
Technology
Healthcare
Construction
Infrastructure
Education
Hospitality
Logistics
Professional Services
Energy
Agriculture
Maritime and Shipping
Relevant Teams
Legal
Finance
Treasury
Credit Risk
Compliance
Corporate Banking
Loan Administration
Risk Management
Company Secretarial
Business Development
Project Finance
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Loan Officer
Credit Analyst
Risk Manager
Legal Counsel
Corporate Banking Manager
Relationship Manager
Compliance Officer
Financial Controller
Company Secretary
Managing Director
CEO
Business Development Manager
Project Finance Manager
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