The Secured Loan Agreement is a fundamental financing document used when a lender provides funding to a borrower against specific collateral or security in Hong Kong. This agreement is essential for various financing transactions, from corporate lending to asset-based financing, and must comply with Hong Kong's legal and regulatory framework. The document comprehensively covers loan terms, security arrangements, representations and warranties, covenants, and enforcement provisions. It requires careful consideration of Hong Kong's security registration requirements, particularly under the Companies Ordinance for corporate borrowers. The agreement is typically used by financial institutions, including banks and licensed money lenders, when extending secured credit facilities to businesses or individuals, and must incorporate specific provisions required under Hong Kong law for creating and enforcing security interests.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Your data doesn't train Genie's AI
You keep IP ownership of your docs
1. Parties: Identifies and defines the Lender, Borrower, and any Security Provider
2. Background: Sets out the context of the loan and security arrangement
3. Definitions and Interpretation: Defines key terms and establishes interpretation principles
4. The Facility: Details of the loan amount, purpose, and drawdown conditions
5. Interest and Fees: Interest rate, calculation method, payment dates, and applicable fees
6. Repayment: Repayment terms, schedule, and prepayment provisions
7. Security: Description of security assets and creation of security interest
8. Representations and Warranties: Borrower's and Security Provider's representations and warranties
9. Covenants: Positive and negative obligations of the Borrower and Security Provider
10. Events of Default: Circumstances constituting default and consequences
11. Enforcement: Lender's rights and remedies upon default
12. Payments: Payment mechanics, currency, and tax provisions
13. Changes to Parties: Assignment and transfer provisions
14. Notices: Communication requirements and contact details
15. General Provisions: Miscellaneous legal and administrative provisions
16. Governing Law and Jurisdiction: Choice of Hong Kong law and jurisdiction provisions
1. Guarantees: Required when there is a separate guarantor for the loan
2. Insurance: Required when specific insurance coverage is needed for secured assets
3. Security Trustee Provisions: Required in syndicated loans with multiple lenders
4. Priority Arrangements: Required when there are multiple secured creditors
5. Financial Covenants: Required for corporate borrowers with specific financial metrics to maintain
6. Security Margin and Valuation: Required for securities-backed loans or property financing
7. Further Advances: Optional section for potential additional lending
8. Set-off Rights: Optional broader set-off rights beyond standard provisions
1. Conditions Precedent: List of required documents and conditions before drawdown
2. Security Assets: Detailed description and/or list of secured assets
3. Repayment Schedule: Detailed payment dates and amounts
4. Form of Drawdown Request: Template for borrower to request loan disbursement
5. Form of Compliance Certificate: Template for periodic compliance confirmation
6. Security Documents: Forms of specific security documents (charges, mortgages, etc.)
7. Permitted Security: List of pre-approved security interests over assets
8. Required Insurance: Details of required insurance coverage for secured assets
Find the exact document you need
Senior Management Performance Review
A Hong Kong-compliant performance review template for evaluating senior management achievements, capabilities, and development areas.
Download
Promissory Note For Late Rental Payment
A Hong Kong law-governed promissory note documenting a tenant's legally binding promise to pay outstanding rental debt to their landlord.
Download
Formal Performance Appraisal
A Hong Kong law-compliant formal performance appraisal document establishing standardized employee evaluation procedures and documentation requirements.
Download
Corporate PPA Renewable (Energy)
A Hong Kong law-governed agreement for corporate procurement of renewable energy, establishing terms for direct purchase from renewable energy producers.
Download
Commercial Pro Forma Invoice
A preliminary commercial document under Hong Kong law that outlines the details of a proposed sale, including product specifications, pricing, and terms, typically used in international trade transactions.
Download
Promissory Note For Payment
A legally binding written promise to pay a specific sum of money under Hong Kong law, creating an enforceable debt obligation between parties.
Download
Short Form Of Contract
A concise contract template governed by Hong Kong law, designed for straightforward commercial arrangements requiring simplified but legally sound documentation.
Download
Demand Of Delivery Letter
A formal letter under Hong Kong law demanding delivery of goods or services that are overdue or in breach of contract terms.
Download
Loan Agreement And Mortgage
A Hong Kong law-governed agreement combining loan terms with property security arrangements through a mortgage, establishing lending conditions and security rights.
Download
Negotiable Instrument Promissory Note
A Hong Kong law-governed financial instrument containing a written, unconditional promise to pay a specified sum of money, either on demand or at a predetermined time.
Download
Promissory Note Guaranty
A Hong Kong law-governed guarantee securing payment obligations under a promissory note, combining personal guarantee and negotiable instrument elements.
Download
Subordinated Loan Agreement
A Hong Kong law agreement establishing terms for a subordinated loan that ranks junior to other specified borrower indebtedness.
Download
Interest Loan Agreement
A Hong Kong-compliant agreement establishing terms for an interest-bearing loan, including loan amount, interest rates, and repayment conditions.
Download
Discontinuing Service Letter
A Hong Kong law-governed formal notice that communicates the termination of services, including essential details about the discontinuation process and transition arrangements.
Download
Promissory Note For Examination Payment
A Hong Kong-governed promissory note documenting a legally binding commitment to pay for examination fees to an educational institution or examination board.
Download
Simple Promissory Note Between Family Members
A Hong Kong-compliant promissory note template designed for formalizing loan agreements between family members, combining legal validity with family-friendly terms.
Download
Simple Promissory Note For Personal Loan
A legally binding promise to repay a personal loan under Hong Kong law, specifying loan amount, payment terms, and interest rates.
Download
Unsecured Loan Contract
A Hong Kong law-governed unsecured loan agreement establishing terms for lending without collateral, compliant with local lending regulations.
Download
Promissory Note With Notary
A Hong Kong law-governed notarized financial instrument containing a written promise to pay a specific sum of money, with enhanced legal enforceability through notarial authentication.
Download
Promissory Note Letter For Delayed Payment
A legally binding financial instrument under Hong Kong law documenting a promise to pay a specified sum at a future date, with detailed payment and interest terms.
Download
Promissory Note For Late Payment Of Tuition Fee
A Hong Kong law-governed promissory note establishing a formal obligation to pay outstanding tuition fees to an educational institution.
Download
Promissory Deed
A formal deed under Hong Kong law creating a binding promise to pay a specified sum of money, with enhanced enforceability compared to standard promissory notes.
Download
Line Of Credit Letter
A Hong Kong law-governed document establishing a revolving credit facility between a financial institution and borrower, outlining facility terms and conditions.
Download
Guarantee Of Lease Form
A Hong Kong law-governed document where a guarantor provides security to a landlord by guaranteeing a tenant's lease obligations.
Download
Green Power Purchase Agreement
Hong Kong law-governed agreement for the sale and purchase of renewable energy, including environmental attributes and regulatory compliance requirements.
Download
Balloon Promissory Note
A Hong Kong law-governed financial instrument documenting a loan repayment obligation with regular payments and a larger final balloon payment.
Download
Unrestricted Letter Of Credit
A Hong Kong law-governed banking instrument that provides an irrevocable payment guarantee in international trade transactions, subject to UCP 600.
Download
Promissory Note With Personal Guarantee
A Hong Kong law-governed financial instrument combining a promise to pay a specific sum with a personal guarantee, creating dual security through primary debt obligation and third-party guarantee.
Download
Promissory Note With Collateral
A Hong Kong law-governed document containing a formal promise to pay a sum of money, secured by specified collateral assets.
Download
Promissory Note Letter
A formal written promise to pay a specified sum of money under Hong Kong law, creating a legally binding debt obligation between parties.
Download
Promissory Note For Property
A Hong Kong law-governed document containing an unconditional promise to pay a specific sum related to a property transaction, including payment terms and property details.
Download
Promissory Loan Agreement
A Hong Kong law-governed agreement documenting a loan arrangement, including repayment terms, interest, and security provisions.
Download
Pay Settlement Agreement
A Hong Kong law-governed agreement that formalizes payment settlements between employers and employees, setting out settlement terms and mutual releases.
Download
Non Negotiable Letter Of Credit
A Hong Kong law-governed banking instrument that provides secure payment in international trade, with non-transferable payment rights to the beneficiary.
Download
International Non Disclosure Agreement
Hong Kong law-governed international NDA template for protecting confidential information in cross-border business relationships.
Download
Full Payment Agreement Of Property
A Hong Kong law-governed agreement documenting the full payment purchase of property, including all essential terms and conditions for property transfer.
Download
Amended And Restated Promissory Note
A Hong Kong law-governed document that amends and restates an existing promissory note, consolidating all modifications and original terms into a single, comprehensive debt instrument.
Download
Promissory Note Conversion Agreement
A Hong Kong law-governed agreement that establishes the terms for converting a promissory note into company shares, ensuring compliance with local corporate and securities regulations.
Download
30 Day Promissory Note
A Hong Kong law-governed negotiable instrument containing an unconditional promise to pay a specified sum within 30 days.
Download
Promissory Note For Land Purchase
A Hong Kong-compliant legal document containing a written promise to pay for land purchase, combining elements of a negotiable instrument with property transaction requirements.
Download
ұԾ’s Security Promise
Genie is the safest place to draft. Here’s how we prioritise your privacy and security.
Your documents are private:
We do not train on your data; ұԾ’s AI improves independently
All data stored on Genie is private to your organisation
Your documents are protected:
Your documents are protected by ultra-secure 256-bit encryption
We are ISO27001 certified, so your data is secure
Organizational security:
You retain IP ownership of your documents and their information
You have full control over your data and who gets to see it
.png)