東亞銀行有限公司內地分行-私人貸款條款及細則

1. 本條款「貸款」一詞之定義為由東亞銀行有限公司內地分行(「貸款人」)所貸出予成功申請者(「借款人」)之本金貸款額。
The Bank of East Asia, Limited China Branches - Personal Loan Terms and Conditions
1. The expression “the Loan” when used herein means the principal loan amount advanced by The Bank of East Asia, Limited, China Branches (“the Lender”) to the successful applicant(s) (“the Borrower”).
2. 借款人將獲專函通知其貸款之各項信貸條款。
2. The Borrower will be notified by a letter to confirm the terms and conditions of the Loan.
3. 借款人將以貸款人所同意之分期期數按月攤還該貸款及有關貸款之利息，以及其他費用。
3. The Borrower shall repay the Loan, interest on the Loan and all other charges or liabilities in relation to the Loan, by such number of monthly instalments as agreed to by the Lender.
4. 貸款人有權於貸款發給予借款人之一個月後，於自動轉賬授權書上借款人所指定之還款戶口內扣除每月還款及其他欠款。貸款人亦有權自行分配每月還款額中之本金與利息比例。
4. The Lender is authorized to debit the account of the Borrower specified in the Direct Debit Authorization Form with the amount of each monthly instalment commencing one month from the date of drawdown of the Loan for the satisfaction of payment due from the Borrower under these Terms and Conditions and the Lender shall at its absolute discretion apportion the monthly repayments between interest and principal.
5. 如借款人於每月還款到期日未能清付應繳款項，貸款人將按照中國人民銀行規定的罰息利率按逾期天數逐日向借款人計徵逾期罰息。
5. If the Borrower defaults in payment of any of the monthly instalments, a penalty interest accruing on a daily basis at a rate stipulated by the People’s Bank of China will be imposed on the deferred payment.  
6. 貸款人有絕對權利隨時要求借款人清還所有貸款、利息以及其他一切費用。
6. Without prejudice to the aforesaid right, the outstanding principal amount of the Loan, interest on the Loan and all other charges shall be subject to the Lender’s overriding right of full repayment on demand at any time.
7. 借款人可提前清還貸款，惟須給予貸款人事前書面通知，並清付尚欠之貸款金額以及計算至下一期之利息及其他一切費用。
7. Early full settlement of the Loan is permissible subject to payment of the Loan or balance thereof, interest and other charges accrued up to the due date of the next monthly instalment after receipt of early repayment written notice by the Lender.
8.  提前清還全數貸款時，借款人須根據條款(7)清還尚欠之貸款金額，並須同時繳付尚欠貸款金額之百分之三作為提早還款手續費。
9.  借款人可作部份提前還款，但還款額每次最少為人民幣 50,000 元，及須繳付相等於提前還款額百分之二作為手續費。
10. 借款人須即時以書面形式通知貸款人任何有關其名字、住宅及就業情況之轉變。
8.  In the event of early full settlement of the Loan, the Borrower shall pay to the Lender the sum as specified in Clause (7) together with a full prepayment fee of 3% of the balance of the Loan at the time of making such payment.
9.  Partial prepayment of the Loan is permissible subject in each case to a minimum payment of RMB50,000 and a prepayment charge of 2% of the partial prepayment amount.
10.  The Borrower shall immediately notify the Lender in writing of any change of name, address and occupation.
11.  如果本貸款協議下之貸款(包括利息和所有其他收費)的全部或部份，根據有關頒令或判決，或貸款人因其他任何原因認為必要，需由本貸款協議下之貨幣(下稱「原貨幣」)兌換為另一種貨幣(下稱「新貨幣」)，該兌換包括但不限於下列原因：(a)向借款人索償或舉證(b)向法院或法庭申請頒令或判決(c)執行有關頒令或判決，借款人保證，一經要求立即全部承擔及補償貸款人因下列兩種匯率的差異而蒙受的任何差額或損失：(i)將貸款由原貨幣兌換為新貨幣的匯率(ii)貸款人因有關頒令、判決或舉證而收到一筆付款的全部或部份後，在正常情況下用新貨幣兌換原貨幣的匯率。借款人保證承擔及補償貸款人因該兌換而產生的任何費用和支出。
11.  If the Loan (including interest on the Loan and all other charges) or any part thereof under this loan facility agreement or pursuant to any order or judgment given or made in relation hereto or for any other reason which the Lender shall deem necessary, has to be converted from the currency in this loan facility agreement (referred to as “the first currency”) in which the same is payable under this loan facility agreement or under such order judgment or under such other circumstances as required by the Lender into another currency (referred to as “the second currency”) for any purpose including but not limited to (a) making or filing a claim or proof against the Borrower or (b) obtaining an order or judgment in any court or other tribunal or (c) enforcing any order or judgment given or made in relation hereto, the Borrower shall fully indemnify the Lender by payment immediately upon demand, for and against any loss or shortfall suffered as a result of any discrepancy in (i) the rate of exchange used for such purpose to convert the sum in question from the first currency into the second currency and (ii) the rate or rates of exchange at which the Lender may in the ordinary course of business, purchase the first currency with the second currency upon receipt of a sum paid to the Lender in satisfaction, in whole or in part, of any such order, judgment or proof. The Borrower agrees and undertakes to reimburse the
Lender all the expenses, charges and costs incurred by the Lender in connection with such conversion which shall form part of the Loan.
12.  a)  本貸款協議之所有條款和條件對簽約各方及其繼任人及受讓人具有約束力，其利益由簽約各方及其繼任人及受讓人享有；惟未經貸款人事先書面同意，借款人不得轉讓其任何權利或義務。
12.  a)  All the terms and conditions herein shall be binding upon and enure to the benefit of the respective successors-in-title and assigns of the parties hereto provided, however, that the Borrower shall not assign any of the Borrower´s rights or obligations without the express prior written consent and approval of the Lender.
b)  貸款人可全權決定將其在本貸款(包括利息和所有其他應由借款人支付的費用)下的任何或全部權利、利益和義務轉讓予任何受讓人。借款人應隨時按照貸款人的要求，簽署一切法律文件和採取其他行動，只要貸款人認為(貸款人的意見為終結意見，借款人不得異議)這些文件和行動對貸款人的受讓人獲得本貸款協議任何條款下的全部利益和義務是必要的。
b)  The Lender shall have the absolute discretion to assign or transfer any or all of its rights interests and obligations in relation to the Loan (including interest and all other charges payable by the Borrower) to any person or party. The Borrower shall execute and sign all deeds instruments or such other documents and do any acts and things whatsoever which shall in the opinion of the Lender (whose opinion shall be conclusive and binding upon the Borrower) be necessary for the giving of the Lender´s transferee(s) or assignee(s) the full benefits and obligations of any of the provisions hereof as may from time to time be requested by the Lender.
c)  貸款人可隨時在保密的前提下，不經通知借款人，將貸款人認為適當的任何有關借款人的資料或信息披露予任何受讓人或可能的受讓人，或貸款人與其已經或可能建立與本貸款協議有關的締約關係的任何人，或任何對貸款人提供的信息承擔保密義務者(統稱「接收信息者」)，不論接收信息者在香港特別行政區以內或以外。借款人同意貸款人作出此種信息披露。不論在香港特別行政區以內或以外，接收信息者可再(直接或間接地)向任何第三方作出此種信息披露，只要此第三方與接收信息者之間，存在仿如接收信息者與貸款人之間的上述關係。借款人亦同意此種信息披露。
c)  The Lender may at any time on confidential basis disclose to any transferee or assignee or potential transferee or assignee or to any other person or party with whom the Lender has entered into or may prepare to enter into contractual relations in connection with this loan facility agreement or any other person under a duty of confidentiality to the Lender (each such recipient of information referred to as a “Recipient”) such information and data about the Borrower and its affairs as the Lender shall consider appropriate without notice to the Borrower notwithstanding whether the Recipient is inside or outside the Hong Kong Special Administrative Region. The Borrower hereby consents to any such provision of data and information. Such data and information may also be provided by any Recipient (whether direct or indirect) to any party bearing the relationship to the party providing the data and information as the Recipient bears to the Lender in each case whether inside or outside the Hong Kong Special Administrative Region and the Borrower hereby consents to such provision of data and information.
13.  由貸款人的經理或其他獲授權職員簽名，列明在特定時間在本貸款協議下應付予貸款人的金額的書面證明，應被視作針對借款人的終結證據。
13.  A certificate in writing signed by any Manager or other duly authorised officer of the Lender stating the amount at any particular time due and payable to the Lender under this loan facility agreement shall be conclusive evidence against the Borrower.
14.  貸款人可於任何時間，毋須通知借款人，而將借款人在貸款人處開設之全部或任何賬戶與積欠貸款人的全部或任何債務合併或綜合，並將列於上述任何一個或多個賬戶貸方的任何一項或多項款項抵銷或轉移，用作清償借款人在任何其他賬戶或任何其他方面積欠貸款人的任何債務，不論該等債務是實際的或或有的、主要的或附屬的、個別的或連帶的、或以其他貨幣計算。此外，只要借款人所欠貸款人的任何債務屬於或有或未來的，為保證償還上述債務，貸款人可暫停支付應付予借款人任何賬戶的任何一項或多項款項，直至這些或有或未來事件發生成為事實。
14.  The Lender may at any time and without notice to the Borrower combine or consolidate all or any of the Borrower’s accounts with and liabilities to the Lender and set off and/or transfer any sum or sums standing to the credit of any one or more of such accounts in or towards satisfaction of any of the Borrower’s liabilities to the Lender on any other account or in any other respect whether such liabilities be actual or contingent, primary, collateral, several, joint or in other currencies. Further in so far as any of the Borrower’s liabilities to the Lender are contingent or future the Borrower’s liability to the Lender to make payment of any sum or sums standing to any of the Borrower’s accounts shall to the extent necessary to cover such liabilities be suspended until the happening of the contingency or future event.
15.  貸款人有權採取其認為合適之行動以執行本文之條款及細則，包括但不限於僱用第三者代理人追討借款人之欠款，而由此行動所引致之一切費用，包括法律訴訟費用及第三者代理人的收費在內，借款人須負責全數賠償予貸款人。
15.  The Lender shall at its absolute discretion take such action as it deems fit to enforce these Terms and Conditions including without limitation to the employment of third party agencies to collect any sums owing to the Lender and the Borrower shall indemnify the Lender in full for all costs and expenses including legal fees and the charges of any third party agencies incurred by the Lender in respect of any such enforcement action.
16.  貸款人可隨時要求借款人簽署與本貸款有關的文件。
16.  The Borrower shall sign or execute such other documents as may from time to time be requested by the Lender in connection with the Loan.
17.  本條款「借款人」一詞之定義，若屬個人身份包括指定之人士、其遺囑執行人、遺產管理人及繼承人，如屬公司或機構，則包括指定之公司或機構、其繼承人及受讓人。如借款人由兩位或以上人士組成，則本文之條款及細則將應用於所有聯名申請人及個別申請人；同時，借款人在本文的條款下對貸款人的任何債務及責任應被視為共同及各別的責任；由貸款人對一位或以上這樣共同及各別有責任的人士，作出任何要求(如在要求中有明確陳述)，應被視為對所有該些人士作出的要求。如借款人為一機構，則代表借款人簽署本確認函的人士茲保證，按照其公司組織章程或其他適用的組成文件，借款人有權簽立本確認函並受本文的所有條款及細則所約束，而代表借款人簽署本函的人士已被正式獲授權簽署本函，同時借款人擁有必要的法團權力及法律資格訂立、行使其在本貸款下的權利以及履行和遵守其在本貸款條款下的責任。
17.  The expression “the Borrower” wherever used in these present shall, in the case of an individual include the person specifically named and his executors administrators and assigns and in the case of a company or corporation include the company or corporation specifically named and its successors and assigns. If the Borrower consists of two or more persons, all of these Terms and Conditions shall apply to each of the Borrowers jointly and severally and the Borrower’s liabilities and obligations to the Lender herein shall be joint and several and any demand made by the Lender on any one or more of the persons so jointly and severally liable shall, if so expressly stated in the demand, be deemed to be a demand made on all such persons. If the Borrower is a corporation, the person signing the Confirmation on the reverse side of these Terms and Conditions warrants that by its Memorandum and Articles of Association or other applicable constitutional documents the Borrower is authorized to execute and be bound by the terms of these Terms and Conditions and that the person signing on behalf of the Borrower is duly authorized so to do and that the Borrower has the necessary corporate power and the legal capacity to enter into, exercise its rights and perform and comply with its obligations under these Terms and Conditions.
18.  貸款人有絕對權利隨時修訂貸款利率及其他一切費用。
18.  Interest on the Loan and all other charges shall be subject to variation from time to time at the Lender’s absolute discretion.
19.  在下列情況下，借款人須即時清還所有貸款、利息以及其他一切費用：
a)  借款人違反任何本條款及細則；
b)  借款人或其他人對借款人申請破產令狀；
c)  任何人士申請指派破產管理人控制借款人之物業資產，或任何有關該等物業資產之拘押令；
d)  借款人之死亡、生意失敗或任何破產行為；
e)  借款人或貸款人認為借款人違反或不能償還借款人欠貸款人之責任及債務；
f)  貸款人發現借款人於申請表上所填報之資料有不確實或誤導之情況。
19.  The Loan and the balance thereof outstanding shall immediately become due and payable without notice by the Lender in any of the following events:
a)  violation of any of these terms and conditions;
b)  filing of a Petition in Bankruptcy by or against the Borrower;
c)  the application by any person for the appointment of a receiver to take control of or for a Writ of Attachment against any of the Borrower’s property;
d)  the death, failure in business of or any act of bankruptcy by the Borrower;
e)  the Borrower’s failure or in the Lender’s own discretion that the Borrower fails to comply or settle its obligations and liabilities owing to the Lender;
f)  any information or representation made or furnished by the Borrower for or in relation to the application for the Loan proves to have been untrue or inaccurate or misleading in any respect.
20.  貸款人保留權利隨時增訂及/或更改本條款及細則之任何部份，但須給予借款人通知。
20.  The Lender reserves the rights to add, vary and/or amend any of these Terms and Conditions at any time upon notice to the Borrower at the Lender’s absolute discretion.
21.  如本文之條款及細則之中文譯本與英文本有異，應以英文本作準。
21.  In case of any inconsistency between the English version and the Chinese version of these Terms and Conditions, the English version shall prevail.
22.  上述條款和條件受香港特別行政區法律所管轄，並按照香港法律解釋。簽約各方不可撤銷地接受香港法院的非專屬司法管轄。
22.  These terms and conditions shall be governed and construed in accordance with the laws of the Hong Kong Special Administrative Region and the parties hereto hereby irrevocably submit to the non-exclusive jurisdiction of the Hong Kong courts.  

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