The Mortgage Confirmation Form is a critical document in Hong Kong's property financing landscape, designed to provide a clear and concise confirmation of mortgage arrangements between financial institutions and borrowers. This document is typically used after the approval of a mortgage loan and before or during the completion of property transactions. It serves to formally document the key terms of the mortgage, including loan amount, interest rates, repayment terms, and property details. The form ensures compliance with Hong Kong banking regulations and property laws while providing a simplified summary of the full mortgage agreement. The Mortgage Confirmation Form is particularly important in Hong Kong's fast-paced property market, where clarity and certainty in financing arrangements are essential for all parties involved.
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1. Bank Details: Full legal name and details of the lending institution
2. Borrower Information: Full name, ID/passport number, and contact details of the borrower(s)
3. Property Details: Complete legal description of the mortgaged property including address, lot number, and registration particulars
4. Loan Details: Confirmation of principal loan amount, interest rate, and loan term
5. Payment Terms: Monthly payment amount, payment date, and payment method
6. Interest Rate Type: Specification of whether fixed or floating rate, and the applicable reference rate
7. Security Confirmation: Confirmation of the mortgage as security for the loan and registration status
8. Declaration: Borrower's confirmation of understanding and acceptance of terms
9. Execution Block: Signature blocks for all parties with dates
1. Guarantor Details: Required when there is a guarantor for the mortgage loan
2. Multiple Properties: Required when the mortgage covers more than one property
3. Insurance Requirements: Details of required insurance when mandated by the bank
4. Special Conditions: Any special terms or conditions specific to this mortgage
5. Foreign Currency Declaration: Required when the mortgage involves foreign currency exposure
6. Consent to Share Information: Optional authorization for sharing information with credit reference agencies
1. Schedule 1 - Property Details: Detailed property information including floor plans and boundary plans if applicable
2. Schedule 2 - Payment Schedule: Detailed breakdown of payment structure and amortization schedule
3. Schedule 3 - Supporting Documents: List of all supporting documents provided for the mortgage
4. Appendix A - Terms and Conditions: Reference to the bank's standard mortgage terms and conditions
5. Appendix B - Fee Schedule: Schedule of applicable fees and charges
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