借貸協議 Loan Agreement
 
  1. 借款人明確地同意及鄭重聲明,若本貸款之款項在借款人要求之下支付予任何受款人,有關款項將實際上被視為根據本協議由 放債人貸予借款人之貸款的預先提取部份。The Borrower expressly agrees and declares that if the Loan is paid to any payee at the request of the Borrower such payment shall for all intents and purposes be deemed to be an advance of the Loan by the Lender to the Borrower pursuant to this Agreement.
  2. 若首期還款日超過本貸款提取日一個月,借款人應在貸款提取日起計至其後一個月的第二日向放債人繳納每日利息。 該等利息的金額可在本貸款中扣除。The Borrower shall pay to the Lender daily interest computed from the date of the Loan drawdown to the 2nd day of the following month if the First Repayment Date exceeds one month after the Loan drawdown. Such interest amount may be deducted from the Loan.
  3. 於還款日或最後還款日,放債人會根據本協議重新計算所有應付利息,以確保利息總額不會超過法定最高實際利率。如有需要,放債人會向借款人退還 該筆剩餘利息金額。On the prepayment date or the Last Repayment Date, the Lender will recalculate all interest amounts payable under this Agreement to ensure that the total interest amount will not exceed the maximum effective interest rate permissible by law and where necessary the Lender will refund such excess interest amount to the Borrower.
  4. 若借款人未有根據本協議於到期日還款,則借款人需支付逾期費用,利率或金額由放債人隨時訂定。 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 determined by the Lender from time to time.
  5. 借款人須根據本協議承擔任何結欠或可能結欠金額。如有任何事件或事情發生可能影響借款人履行本協議有關其責任之能力,借款人應盡速通知放債 人。The Borrower undertakes that so long as any amount is or may be outstanding under this Agreement, the Borrower shall promptly notify the Lender of any event or thing which would be likely to affect the ability of the Borrower to perform his/her obligations under this Agreement.
  6. 若有任何以下事情發生,未償還之全部貸款結餘、累積利息及所有其他根據本協議應付之款項,須作到期繳付論,並應立即償還: The entire outstanding balance of the Loan, accrued interest thereon and all other sums payable under this Agreement shall become immediately due and payable upon the happening of any of the following events:

    若借款人於到期日未能支付款項;if the Borrower defaults in any payment on due date;

    若借款人未能履行或遵守根據本協議任何借款人須承擔之責任; if the Borrower does not perform or observe any of his/her other obligations under this Agreement;

    若借款人去世或任何法律認為借款人於債務到期時不能支付或借款人無法償還或承認於債務到期時無力支付; if the Borrower dies or is deemed for the purposes of any law to be unable to pay his/her debts as they fall due or becomes insolvent, or admits his/her inability to pay his/her debts as they fall due;

    若借款人或其物權遭遇任何執行判決的令狀或扣押私人動產令;if the Borrower has any execution or distress issued or levied against him/her or his/her property;

    如任何與本協議有關的陳述、保證或聲明為不正確;if any representation, warranty or statement made in connection with this Agreement is incorrect;

    若放債人根據本協議履行任何責任變成不合法,或;if it becomes unlawful for the Lender to give effect to any of its obligations under this Agreement; or

    協議放債人認為任何事件發生可能影響借款人履行本協議有關其責任之能力。if any situation occurs which in the opinion of the Lender may affect the ability of the Borrower to perform his/her obligations under this Agreement.

  7. 儘管本協議內有任何抵觸之處,放債人保留絕對之酌情權隨時修改、取消或終止本貸款。放債人隨時發出第一次催討通知後借款人須償還本貸款所有尚 欠累積利息及所有根據本協議應付之款項。Notwithstanding anything to the contrary contained in this Agreement, the Lender reserves the right at its absolute discretion to modify, cancel or terminate the Loan at any time. The Loan shall be repayable by the Borrower at any time upon the Lender's first demand together with all outstanding accrued interest thereon and all other sums payable hereunder.
  8. 放債人可隨時及在無需知會借款人的情況下,調撥借款人開設於放債人任何信貸戶口內之款項,以減低借款人在本協議內之責任。The Lender may at any time without notice to the Borrower apply amounts standing to the Borrower's credit in any account with the Lender to reduce the Borrower's obligations hereunder.
  9. 放債人因執行本協議或維護本協議內任何權利而產生的所有合理的費用和支出,包括但不限於聘用法律顧問或追收債務代理人或其他與收回本協議所述 借款人應付款項有關的代理人。一概需由借款人負責賠償並使放債人獲得補償。The Borrower shall indemnify and keep the Lender indemnified against all costs and expenses which are of reasonable amount and were reasonably incurred by the Lender in connection with enforcement of, or the preservation of any rights under, this 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.
  10. 根據本協議,借款人支付之所有款項不得作任何抵銷或反索償或扣除或保留。 All payments by the Borrower under this Agreement shall be made in full without any set off or counterclaim or any deduction or withholding whatsoever.
  11. 任何分期還款、利息或其他應付款項出現部份支付、放棄、推遲、時限、讓步或妥協均不會損害放債人在本協議下的權利。推遲行使或不行使本協議下 之任何權利,均不構成對該權利或其他任何權利的放棄。 Any partial payment, waiver, postponement, time, indulgence or compromise in respect of any instalment, interest or other payment is made without prejudice to the rights of the Lender under this Agreement. Delay in the exercise or the non-exercise of any right is not a waiver of that right or any other rights.
  12. 若本協議書內任何條款變成不合法、無效或不能執行,其他條款將不因此而受到影響或損害。 If any provision herein becomes illegal, invalid or unenforceable then the remaining provisions of this Agreement shall not be affected or impaired thereby.
  13. 借款人不得將本協議書的權利或責任轉讓他人。The Borrower may not assign any of his/her rights or transfer any of his/her obligations under this Agreement.
  14. 放債人可隨時在無需知會借款人或其同意之情況下轉移、轉讓其在此協議下的任何或全部權利或責任予任何人。 The Lender may at any time assign or transfer any or all of its rights or obligations under this Agreement to any person without prior notice or consent of the Borrower.
  15. 借款人同意放債人可收錄任何雙方於語言上之溝通(包括電話談話)而所有此等錄音乃屬放債人財物及於此協議及貸款有關之事情上出現之任何爭議, 皆可以此錄音對話作為論證。The Borrower agrees that the Lender may record any verbal communication (including telephone conversation) between them and all such recordings shall remain the property of the Lender and may be used as conclusive evidence in any dispute that may arise on any matters relating to this Agreement and the Loan.
  16. 放債人可以平郵方式寄出或留交所有通告或催討通知給借款人之常用或最後為人所知悉之地址,並在郵遞之二十四小時後將被視為已適當地送遞,儘管 該郵遞因不能送達而退回。All notices or demands sent by the Lender may be sent by regular mail to or left at the usual or last known address of the Borrower, and shall be deemed to have been duly served 24 hours after the date of posting notwithstanding the subsequent return thereof undelivered.
  17. 本協議書受香港特別行政區(「香港」)法律管轄,並按照香港法律解釋,借款人依從香港法庭的非專屬性司法管轄。This Agreement shall be governed by and construed in accordance with the laws of Hong Kong Special Administrative Region ("Hong Kong") and the Borrower submits to the non-exclusive jurisdiction of the courts of Hong Kong.
  18. 借款人在本確認從放債人收到本協議書的真實文本及《放債人條例》(香港法例第163章)的內容摘要。The Borrower hereby acknowledges receipt from the Lender a true copy of this Agreement together with the Form of Summary of Provisions of the Money Lenders Ordinance (Cap. 163, Laws of Hong Kong).
  19. 借款人同意所有由借款人提供之資料均可被放債人按放債人現行個人資料(私隱)條例通告有關政策於特定用途及對象使用及披露其個人資料。借款人 在本確認已從放債人收取該通告。The Borrower agrees that all information provided by the Borrower may be used and disclosed for such purposes and to such persons as may be in accordance with the Lender's policies and practices on use and disclosure of personal data as set out in the Lender's current Personal Data (Privacy) Ordinance Notification and the Borrower hereby acknowledges receipt from the Lender a copy of the Notification.
  20. 如本協議書之英文文本與中文文本出現差異時,概以英文文本為準。 借款人同意及接受此借貸協議書。If there is any difference between the English version of this Agreement and the Chinese version, the English version shall prevail.

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