The Home Loan Letter is a critical document in Hong Kong's property financing process, typically issued after a successful mortgage application. It represents the bank's formal offer of a home loan and contains all essential terms and conditions that will govern the lending relationship. This document is used when a bank has approved a mortgage application and needs to communicate the detailed terms to the borrower. The Home Loan Letter must comply with Hong Kong's banking regulations and typically precedes the formal mortgage deed and facility agreement. It includes specific details about the property, loan amount, interest rates, repayment schedule, and various requirements regarding insurance, security, and conditions precedent. The document serves as both a formal offer letter and a summary of key terms that will be elaborated in subsequent formal documentation.
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1. Letter Header: Bank's letterhead, reference number, date, and addressee details
2. Loan Approval Statement: Clear statement of loan approval and congratulatory message
3. Property Details: Details of the mortgaged property including address and lot number
4. Loan Amount and Purpose: Approved loan amount, loan-to-value ratio, and stated purpose of the loan
5. Interest Rate: Applicable interest rate, whether fixed or floating, and reference rate if applicable
6. Loan Term and Repayment: Duration of loan and monthly repayment amount
7. Security Requirements: Details of the mortgage and any additional security required
8. Fees and Charges: All applicable fees including processing fees, legal fees, and early repayment charges
9. Key Conditions Precedent: Essential conditions that must be met before loan disbursement
10. Insurance Requirements: Required insurance coverage for property and life/mortgage protection
11. Acceptance Instructions: How to accept the offer and deadline for acceptance
12. Contact Information: Relevant contact details for queries and next steps
1. Special Conditions: Any special or non-standard conditions specific to this loan application
2. Government Scheme Details: Include when loan is under specific government housing schemes
3. Co-borrower Information: Include when there are multiple borrowers
4. Guarantor Requirements: Include when a guarantor is required for the loan
5. Cash Rebate Terms: Include when the bank is offering cash rebates or incentives
6. Subsidized Housing Restrictions: Include for properties under Hong Kong Housing Authority or Housing Society
7. Foreign Currency Risk Warning: Include when borrower's income is in a different currency from the loan
1. Schedule 1 - Detailed Interest Rate Calculation: Breakdown of interest rate composition and adjustment mechanisms
2. Schedule 2 - Fee Schedule: Comprehensive list of all applicable fees and charges
3. Schedule 3 - Required Documents Checklist: List of documents required for loan processing
4. Schedule 4 - Repayment Schedule: Indicative monthly repayment schedule for the loan term
5. Appendix A - Terms and Conditions: Standard terms and conditions of the home loan
6. Appendix B - Direct Debit Authorization Form: Form for setting up automatic payment arrangements
7. Appendix C - Declaration Forms: Required regulatory and compliance declaration forms
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