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Credit Arrangement Letter

Credit Arrangement Letter Template for Hong Kong

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Key Requirements PROMPT example:

Credit Arrangement Letter

"I need a Credit Arrangement Letter for a HKD 5 million working capital facility to a manufacturing company, with a 12-month tenure starting March 2025, including security requirements for equipment and inventory."

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Document background
The Credit Arrangement Letter is a fundamental document in Hong Kong's banking and finance sector, used when a financial institution approves a credit facility for a borrower. It represents the formal offer of credit facilities and serves as the primary document governing the lending relationship. The letter must comply with Hong Kong banking regulations, including requirements set by the Hong Kong Monetary Authority and various ordinances such as the Banking Ordinance (Cap. 155) and Money Lenders Ordinance (Cap. 163). It is used across various scenarios, from simple overdraft facilities to complex corporate credit arrangements, and typically precedes more detailed facility agreements for larger credit facilities. The document outlines essential terms including credit limits, interest rates, security requirements, and conditions precedent, while incorporating necessary regulatory disclosures and compliance elements specific to Hong Kong's legal framework.
Suggested Sections

1. Letter Header: Bank's letterhead, date, reference number, and addressee details

2. Salutation: Formal greeting to the borrower

3. Purpose: Clear statement of the letter's purpose and reference to any prior discussions or applications

4. Facility Type and Amount: Specification of the type of credit facility and the approved amount

5. Interest Rate and Fees: Detailed breakdown of applicable interest rates, calculation method, and all associated fees

6. Term and Repayment: Duration of the facility and repayment terms including payment schedule

7. Security Requirements: Details of any required security, guarantees, or collateral

8. Key Conditions Precedent: Essential conditions that must be met before the facility becomes available

9. Representations and Undertakings: Basic representations and ongoing obligations of the borrower

10. Events of Default: Key events that would constitute default under the facility

11. Acceptance Instructions: Instructions for accepting the offer and deadline for acceptance

12. Closing and Signature: Formal closing, bank's authorized signature block, and acceptance signature block for borrower

Optional Sections

1. Foreign Exchange Provisions: Required when facility is provided in foreign currency or involves foreign exchange transactions

2. Insurance Requirements: Included when specific insurance coverage is required as part of the facility

3. Property Valuation Requirements: Required for property-backed facilities or mortgages

4. Cross-Default Provisions: Included when borrower has multiple facilities with the bank

5. Regulatory Compliance Section: Additional regulatory disclosures required for specific types of borrowers (e.g., listed companies)

6. Group Company Provisions: Required when facility involves corporate group structures or parent company support

7. Special Purpose Restrictions: Included when facility is granted for specific purposes with usage restrictions

Suggested Schedules

1. Schedule of Fees and Charges: Detailed breakdown of all applicable fees, charges, and commission

2. Repayment Schedule: Detailed payment schedule with dates and amounts

3. Security Details: Comprehensive description of required security and associated terms

4. Standard Terms and Conditions: Bank's standard terms and conditions applicable to the facility

5. Required Documents Checklist: List of all documents required for facility drawdown

6. Interest Rate Calculation Examples: Illustrative examples of interest calculations and scenarios

7. Regulatory Risk Disclosure Statements: Required risk disclosure statements as per HKMA guidelines

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions







































Clauses






























Relevant Industries

Banking and Financial Services

Real Estate and Property

Manufacturing

Retail and Commerce

Technology and Innovation

Import/Export

Professional Services

Construction

Healthcare

Education

Hospitality and Tourism

Logistics and Transportation

Relevant Teams

Legal

Finance

Treasury

Compliance

Risk Management

Corporate Banking

Credit Administration

Operations

Commercial Banking

Documentation

Loan Administration

Corporate Advisory

Client Relations

Credit Risk

Transaction Banking

Relevant Roles

Chief Financial Officer

Finance Director

Treasury Manager

Financial Controller

Credit Manager

Relationship Manager

Legal Counsel

Compliance Officer

Risk Manager

Company Secretary

Banking Operations Manager

Credit Analyst

Corporate Banking Officer

Business Development Manager

Account Manager

Senior Loan Officer

Credit Risk Officer

Banking Executive

Finance Manager

Corporate Treasurer

Industries








Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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