FMKFS3-R5

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1 Key Facts Statement (KFS) for Mortgage Loan Hang Seng Bank Hang Seng Mortgage Loan Scheme for retail banking customers August 2017 This product is a residential & commercial mortgage loan for retail banking customers only. This KFS provides you with indicative information about interest, fees and charges of this product but please refer to the letter of offer for the final terms of your mortgage loan. Interest Rates and Interest s Annualised Interest Rate For loan amount of HK$3 million Loan Tenor Annualized interest rate based on the Hang Seng Bank s Prime Lending Rate Annualized interest rate based on the Hang Seng Bank s 1-month HIBOR 30 years P 2.85% H + 1.5% The maximum loan tenor for commercial mortgage loan is less than 30 years. HIBOR based mortgage is not applicable for the mortgage loan of commercial properties, industrial properties, shops, Home Ownership Scheme or any other Housing Assistance Loan Scheme. Assume Hang Seng Bank's Prime Lending Rate and 1-month HIBOR rate are 5% and 0.47% respectively. Annualised Overdue / Default Interest Rate P+4.75% to P+8% charged on all sum due (including principal and interest) but not paid. Default interest is calculated on simple basis. The default interest will debit from the date of such instalment default until the date of full repayment of default sum. Monthly Repayment Amount Monthly Repayment Amount For loan amount of HK$3 million Loan Tenor 30 years Monthly repayment amount for the annualised interest rate based on the Hang Seng Bank s Prime Lending Rate above. Monthly repayment amount for the annualised interest rate based on the Hang Seng Bank s 1-month HIBOR above HK$11,315 HK$11,044 The maximum loan tenor for commercial mortgage loan is less than 30 years. HIBOR based mortgage is not applicable for the mortgage loan of commercial properties, industrial properties, shops, Home Ownership Scheme or any other Housing Assistance Loan Scheme. FMKFS3-R5(YX) /17 E Assume Hang Seng Bank's Prime Lending Rate and 1-month HIBOR rate are 5% and 0.47% respectively. Page 1 / 6

2 Fees and s Handling Fee Service Change of Repayment Terms Change of Loan Scheme Cancellation Fee (After the acceptance of the letter of offer) HK$1,000 per account HK$1,500 per account 0.5% of the loan amount or HK$5,000, whichever is higher Late Payment Fee and (Not Applicable to customers under Home Ownership Scheme and Tenant Purchases Scheme) HK$400 per transaction (Including autopay returned due to insufficient fund) will be charged for any late payment. Prepayment / Early Settlement / Redemption Fee Service Prepayment Handling Fee* Early Redemption Penalty* In general, the prepayment handling fee in the first 3 years starts from 0.5% of the prepaid amount or HK$800, whichever is higher. After the first 3 years, HK$800 will be levied on each prepayment. For exact fee, please refer to the Letter of Offer. In general, the early redemption penalty in the 1st year is HK$10,000 or 1% of the original loan amount (whichever is higher). For exact fee, please refer to the Letter of Offer. Note: * Not applicable to customers under Home Ownership Scheme and Tenant Purchase Scheme. P means the Hong Kong Dollar Prime Lending Rate as quoted by Hang Seng Bank from time to time. H means the Hong Kong InterBank Offered Rate for the interest period of 1 month for Hong Kong Dollars quoted by Hang Seng Bank Limited ( Hang Seng ) at or about 11:00 a.m. (Hong Kong time) on the loan drawdown date or interest fixing date. This HIBOR quoted by Hang Seng may not necessarily the same as HKD Interest Settlement Rates quoted by the Hong Kong Association of Banks. FMKFS3-R5(YX) /17 E Page 2 / 6

3 Additional Information Mortgage Lending Related Services Service Property Instalment Loans Application Fee Front End Fee - new purchase of residential mortgage - rental property - further charge HK$1,000 - HK$2,000 per application (payable upon application and not applicable to customers under special schemes, e.g. Home Ownership Scheme) Waived (personal borrower) 0.5% on loan amount 0.5% on further charge amount Copy of Document(s) Copy of Title Deed Document(s): - Copy of Assignment - Copy of Mortgage Deed - Copy of the Agreement for Sale and Purchase Copy of Letter of Offer Copy of Repayment Schedule Issuance/ Re-issuance of Document(s) HK$200 per copy HK$200 per copy HK$200 per copy HK$100 per copy HK$100 per copy Interest and Principal Statement Certification of Account Closure/ Certification of Loan Settlement Figures/ Certification of Loan information HK$100 per account / each financial year (Free for first statement of the last financial year) HK$200 per account Repayment Record Interest Rate Change Advice Lease Consent Letter on d Property Credit Information Others Custody of Non-discharged Deeds after Full repayment Using Debit Note for Repayment Autopay Returned Due to Insufficient Funds Administrative fee for pre-approval of Home-For-Home Bridging Loan Plan Fire Insurance: Additional assessment and administration fee HK$200 per 12-month record HK$100 per advice HK$1,000 per account HK$200 per account HK$3,000 per year HK$30 per instalment HK$150 per transaction (Applicable to customers under Home Ownership Scheme, Tenant Purchase Scheme) HK$1,000 per application (The administrative fee will be waived if the Home- For-Home bridging loan plan and the new mortgage loan are utilized within 180 calender days from the date of the conditional letter of offer for the Preapproval Service) HK$1,000 each time FMKFS3-R5(YX) /17 E Page 3 / 6

4 按揭貸款產品資料概要恒生銀行恒生按揭服務 ( 適用於零售銀行之客戶 ) 2017 年 8 月此乃住宅及商用物業按揭貸款產品, 並只適用於零售銀行之客戶本概要所提供的利息費用及收費等資料僅供參考, 您的按揭貸款的最終條款以貸款條件信為準利率及利息支出年化利率貸款金額 :HK$3,000,000 貸款期 30 年按恒生港元最優惠利率所釐訂的年化利率 P 2.85% 按恒生一個月香港銀行同業拆息所釐訂的年化利率 H + 1.5% 商用物業按揭貸款之最長貸款期小於 30 年香港銀行同業拆息貸款計劃並不適用於商業樓工業樓舖位居者有其屋及各項房屋津貼計劃之按揭貸款假設恒生銀行最優惠利率及一個月香港銀行同業拆息分別為 5% 及 0.47% 逾期還款年化利率 / 就違約貸款收取的年化利率所有到期未付之款項 ( 包括本金及利息 ), 將收取 P+4.75% 至 P+8% 不等之違約利息違約利息以單息計算違約利息將從違約當日起計算直至全數清還違約總數每月還款金額每月還款金額貸款金額 :HK$3,000,000 貸款期按上述恒生港元最優惠利率所釐訂的年化利率計算每月還款金額按上述恒生一個月香港銀行同業拆息所釐訂的年化利率計算每月還款金額商用物業按揭貸款之最長貸款期小於 30 年 30 年 HK$11,315 HK$11,044 香港銀行同業拆息貸款計劃並不適用於商業樓工業樓舖位居者有其屋及各項房屋津貼計劃之按揭貸款假設恒生銀行最優惠利率及一個月香港銀行同業拆息分別為 5% 及 0.47% FMKFS3-R5(YX) /17 E Page 4 / 6

5 費用及收費手續費更改還款條款項目收費每戶口 HK$1,000 更改貸款計劃每戶口 HK$1,500 取消貸款手續費 ( 於接納貸款條件信後 ) 貸款額之 0.5% 或 HK5,000, 以較高者為準逾期還款費用及收費 ( 不適用於居者有其屋及租者置其屋房屋貸款計劃之客戶 ) 提前清償 / 提前還款 / 逾期還款將被收取每柱 HK$400 ( 包括因存款不足而退回的自動轉賬 ) 贖回契約的收費項目收費提前償還貸款費用 * 提早清贖費用 * 一般情況下, 首三年之提前償還貸款費用為提前償還款額之 0.5% 起或 HK$800, 以較高者為準三年後, 客戶每次提前償還貸款則須繳付 HK$800 實際費用請參考貸款條件信一般情況下, 第一年之提早清贖費用為 HK$10,000 或原貸款額之 1%( 高者為準 ) 實際費用請參考貸款條件信註 : * 不適用於居者有其屋及租者置其屋房屋貸款計劃之客戶 P 即最優惠利率為恒生銀行有限公司不時公佈之港元最優惠貸款利率 H 指的香港銀行同業拆息是指按提取貸款當日或利息訂立日於上午約 11 時 ( 香港時間 ) 由恒生銀行有限公司 ( 恒生 ) 報價之 1 個月港元香港銀行同業拆息由恒生報價之拆息利率並不一定與香港銀行公會所公布的港元利息結算利率相同 FMKFS3-R5(YX) /17 E Page 5 / 6

6 其他資料有關樓宇貸款之其他服務項目樓宇分期申請手續費按揭手續費 - 新購住宅物業 - 出租物業 - 加按文件副本契據之副本 : - 樓契之副本 - 按揭契之副本 - 買賣合約之副本貸款條件信之副本還款過程表之副本收費每柱 HK$1,000 - HK$2,000 ( 不適用於房屋貸款計劃客戶, 例如 : 居者有其屋以每柱申請計, 需先行收取 ) 私人名義 : 免費貸款額之 0.5% 加按額之 0.5% 每份 HK$200 每份 HK$200 每份 HK$200 每份 HK$100 每份 HK$100 文件簽發 / 補發利息及本金証明書貸款已清繳證明書 / 清贖金額證明書 / 貸款資料證明書還款紀錄改息通知書按揭物業出租同意書索取信貸資料証明信每戶口每財政年度 HK$100 ( 上一個財政年度之首次証明免費 ) 每戶口 HK$200 每 12 個月紀錄 HK$200 每份 HK$100 每戶口 HK$1,000 每戶口 HK$200 其他已清還而尚未辦理押記註銷之契據保管以繳款通知書形式付款自動轉賬因存款不足退回好預算換樓計劃之預先批核行政費每年 HK$3,000 每期 HK$30 每柱 HK$150 每柱 HK$1,000 ( 倘客戶在預先批核服務之有條件貸款要約信發出日期起 180 曆日內向本行提取換樓計劃及新按揭之貸款, 則該行政費會被豁免 ) FMKFS3-R5(YX) /17 E 火險 : 額外之評估費用及手續費每次 HK$1,000 Page 6 / 6

Microsoft Word - HLU101R4-m I

Microsoft Word - HLU101R4-m I The Hongkong and Shanghai Banking Corporation Limited (the Bank ) Key Facts Statement (KFS) for Residential Mortgage Loan This product is a residential mortgage loan. Home Loan/Home Equity Loan May 2018