觀塘成業街10號電訊一代廣場25樓C1室
Room C1,25/F TG Place,10 Shing Yip Street,Kwun Tong
Money Lenders License No.放債人牌照號碼: 0909/2020


貸款合約 Loan Agreement

Loan No.
貸款號碼
SF-014-001-2881
Lender
放債人
銀富財務有限公司
Registered Address
註冊地址
觀塘成業街10號電訊一代廣場25樓C1室
Borrower
借款人
XXXXXX 香港身份證 GXXXXXX(A)
Residential Address
住宅地址
XXXXXXXXXXXX
Loan Amt
貸款金額
HK$ 20,000.00 Loan Date
貸款日期
2020-10-23
Annual Rate
年利率
58.000% 1st Repay.Date
首期還款日
2020-11-23
Total Tenors
供款期數
6期 Repay.Period
還款週期
Month
每月
Installment Amt
每期供款
HK$ 3,919.37 1st Repay.Amt
首期還款額
HK$ 3919.37
Extened Interest
延期息
HK$ 0.00
Up Front Interest
預付利息
HK$ 0.00 Received Amt.
實收金額
HK$ 20,000.00

IT IS HEREBY AGREED as follows:
條款及雙方協議如下:
1. The Borrower agrees to repay the principal loan together with all charges and interest payable at the rate and in the manner set out in this Agreement.
借款人同意支付歸還上述本金及據該本金以上述利率所計算出的利息, 在上述還款期內清還予放債人
2. All sums paid to the Lender by the Borrower in reduction of the Borrower’s indebtedness under this Agreement shall be applied first in or towards payment of any interest on the Loan then accrued and not paid and then in or towards repayment of the principal loan.
所有歸還之款項將先用作支付累積之利息, 其後用作支付本金。
3. Every installment should be paid on the same date in every month. If there is no same date in the following month, repayment should be made a day preceding the same date in the following month.
每次分期還款應在下一個月的同日支付, 如該月無相同號數日, 則在該月的最後一日支付。
4. Upon the occurrence of default payment on principal loan or interest, the Lender shall have the rights to sell the Pledged Collateral and to apply and set off the Collateral and any proceeds thereof against any amounts due to the Lender.
借款人逾期還款, 放債人可將本合約所載之抵押品變賣, 如經變賣後倘仍不足償還本合約之本金﹑利息﹑過期利息及借款人因違約所衍生的一切費用, 借款人及擔保人仍須向放債人償還有關差額款項。
5. The Borrower shall indemnify and keep the Lender indemnified against all costs and expenses incurred by the Lender in connection with the enforcement of the Agreement including, without limitation, all costs and expenses incurred by the Lender in engaging legal advisers and/or collection agents or other agents in relation to the recovery of amounts payable under this Agreement.
因強制執行本協議下之任何權利產生之所有費用及支出, 包括但不限於聘請法律顧問或其他代理人追討本協議應付款項而引致之所有費用及開支, 一概由借款人及擔保人負擔賠償並使放債人獲得賠償。
6. The Lender reserves the right at its absolute discretion to cancel or terminate the Loan at any time. In that event, the Loan together with all outstanding accrued interest shall be repayable by the Borrower at any time upon the demand of the Lender.
借款人及擔保人同意放債人有權在任何情況下即時向借款人收回本合約所有結欠本金及利息, 無論放債人有否發出書面要求。
7. If the Borrower fails to pay any sum payable under this Agreement when due, the Borrower shall pay a late charge at the rate or in the amount as set out in this Agreement. The Lender has the right to appoint anyone as an agent to collect the debts from the Borrower. The Borrower shall indemnify all costs and expenses incurred by the Lender in engaging collection agents or other agents in relation to the recovery of amounts payable under this Agreement.
若借款人在此協議原定還款日期未能支付應付之金額, 則借款人須支付以上述之利率計算繳付過期利息, 直至該款項全數清還為止。如借款人逾期還款, 放債人可委託任何人士或機構作為代理人追收借款人欠下放債人之任何或所有欠款, 而借款人須要負擔賠償放債人為追討借款人而產生之所有損失及費用, 借款人及擔保人同意並授權放債人得向其代理人披露有關借款人及本合約條款的一切資料。
8. The Borrower shall immediately notify the Lender by written notice any change of his or her residential address, telephone number or job details.
如借款人申報資料包括地址﹑電話或工作資料等有任何改動, 借款人必須立即以書面通知放債人, 有違者當違反合約論。
9. The Borrower and the Guarantor hereby declare that all the information provided herein are true and accurate. The grant of loan will be subject to the information provided.
借款人及擔保人現聲明在申請表內的各項資料均屬詳實, 並且提供了本人(吾等)的全部借貸之情況, 並無遺漏, 並明白放債人將根據本人(吾等)所披露的資料批核本人(吾等)的貸款申請, 本人(吾等)明白以上各項資料如有任何失實﹑誤導或隱瞞, 而招致放債人有任何損失, 放債人可向本人(吾等)追索。如本人(吾等)涉嫌作出任何不誠實或欺詐行為或刻意誤導, 放債人可向警方舉報追究刑事責任。
10. Each of the Borrower and the Guarantor declares and agrees that they will jointly and/or severally be liable as principal with respect to their obligation hereunder.
每一個借款人及擔保人同意及聲明他們會共同或單獨承擔本合約的責任。
11. The Borrower and the Guarantor agree that, regardless of the decisions of the Court, the interest rate will remain the same as set out in this Agreement until the loan has been fully settled.
借款人及擔保人同意不管法院判決如何, 有關本合約所有已償還及未償還款項的利率, 均以本合約上述所訂的利率計算, 直至該款項全數清還為止。
12. The Borrower hereby acknowledges receipt from the Lender a true copy of this Agreement together with the Summary of Provisions of Parts III and IV of the Money Lenders Ordinance.
借款人確認收妥由放債人發出有關本協議之真確文件及【放債人條例】第III及IV部撮要條文。
13. The above terms contained in this Agreement have covered the memorandum information required by the Money Lenders Ordinance. The Borrower and the Guarantor shall consider this Agreement as a Memorandum.
本貸款合約上述所載之內容, 已涵蓋【放債人條例】所規定之備忘資料, 借款人及擔保人可視本貸款合約為備忘錄參看。
14. The Lender and the Borrower hereby declare that the negotiation and completion of this Agreement was conducted at the registered office of the Lender.
雙方在此聲明, 本協議於上述註冊地址由雙方協商及完成。
15. The Borrower and the Guarantor hereby confirm that they have read, understood and agreed the terms and contents of this Agreement, loan application form and the summary of Money Lenders Ordinance before the signing of this Agreement.
借款人及擔保人確認在簽署本合約前, 已細閱﹑明白及同意本合約內之所有內容, 包括貸款申請表及【放債人條例】撮要。
Signature of Borrower
借款人簽署
Name
姓名 劉俊傑
Signature of Lender
放債人簽署
Authorized Signature
授權人
Date
日期