The Commercial Loan Term Sheet is a crucial preliminary document used in Hong Kong's commercial lending landscape to establish the fundamental terms and conditions of a proposed loan facility. It represents the initial stage of loan documentation, typically issued after initial commercial discussions but before detailed legal documentation. The term sheet captures key commercial terms including facility amount, pricing, tenure, security package, and major conditions, serving as a blueprint for the subsequent detailed facility agreement. While primarily governed by Hong Kong law and banking regulations, it often incorporates international banking practices and standards. The document is essential for both parties to align their understanding of the proposed transaction terms and forms the basis for instructing legal counsel to prepare detailed documentation. Term sheets are particularly important in complex financing transactions where multiple parties need to reach preliminary agreement on key terms before committing resources to full documentation.
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1. Parties: Identification of the lender(s), borrower(s), and any guarantors
2. Background: Brief context of the proposed loan transaction
3. Definitions: Key terms used throughout the term sheet
4. Facility Type and Purpose: Description of the loan type and permitted use of proceeds
5. Facility Amount: Principal amount of the loan
6. Interest Rate and Fees: Interest rate structure, commitment fees, arrangement fees, and other charges
7. Availability Period: Period during which the loan can be drawn
8. Repayment Terms: Repayment schedule, installments, and final maturity date
9. Security: Overview of collateral and security arrangements
10. Key Conditions Precedent: Essential conditions to be satisfied before drawdown
11. Key Covenants: Primary financial and operational covenants
12. Events of Default: Main events triggering default
13. Governing Law: Specification of Hong Kong law as governing law
14. Binding Effect: Statement on which terms are legally binding
1. Syndication Provisions: Include when the loan may be syndicated to multiple lenders
2. Green Loan Provisions: Include for environmentally sustainable or green projects
3. Multi-currency Option: Include when the loan can be drawn in multiple currencies
4. Accordion Feature: Include when there's an option to increase the facility amount
5. Security Trustee Provisions: Include for syndicated loans with multiple security interests
6. Hedging Requirements: Include when interest rate or currency hedging is mandatory
7. Subordination Terms: Include when there are multiple creditors requiring subordination
8. Group Structure: Include for complex corporate group borrowers
1. Drawdown Schedule: Proposed timeline and conditions for multiple drawdowns
2. Fee Schedule: Detailed breakdown of all applicable fees
3. Security Asset Schedule: List of assets to be provided as security
4. Financial Covenant Calculations: Formulas and definitions for financial covenant calculations
5. Required Insurance: List of required insurance policies and coverage
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