Microsoft Word - HLU101R4-m I

Size: px

Start display at page:

Download "Microsoft Word - HLU101R4-m I"

耄骆
5 years ago
Views:

1 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 This KFS provides you with indicative information about interest, fees and charges of this product but please refer to our offer letter for the final terms of your residential mortgage loan. Interest Rates and Interest Charges Annualised Interest Rate For a loan of HK$3 million: Loan Tenor Annualised interest rate (or range of annualised interest rates) based on the Bank s Best Lending Rate (BLR) Annualised interest rate (or range of annualised interest rates) based on the Bank s 1- month HIBOR 30 years From BLR-2.75% p.a. From H+1.6% p.a. Annualised Overdue / Default Interest Rate BLR mortgage plan HIBOR mortgage plan 4.25% p.a. above BLR 7.25% p.a. above Mortgage Rate If we do not receive payment of any on its due date, you are required to pay default interest on the overdue at the default interest rate. Such default interest will accrue daily on a 365-day year basis (or 366-day year basis in a leap year) and will be payable on an instalment repayment date or another date (if any) that may be set by us. There is no minimum of default interest that will apply. Monthly Repayment Amount Monthly Repayment Amount For a loan of HK$3 million: Loan Tenor Monthly repayment for the annualised interest rate based on the Bank s BLR above Monthly repayment for the annualised interest rate based on the Bank s 1-month HIBOR above 30 years From HK$11,467* From HK$11,149** *Assuming BLR-2.75% p.a. and BLR is at 5%p.a. **Assuming H+1.6% p.a. and 1-month HIBOR is at 0.44% p.a. To borrow or not to borrow? Borrow only if you can repay! Page 1/3

2 Fees and Charges Handling Fee Cancellation fee 0.15% of the loan subject to a minimum of HK$5,000 Change of mortgage plan Change of repayment plan Change of Mortgagor/ Guarantor/ Mortgage Deed statement, confirmation letter, repayment schedule/rate change advice/facility letter, annual interest statement confirmation of outstanding balance certified copies of mortgage/ Deed of Assignment/Sale and Purchase Agreement/Deed of Mutual Covenant Lease consent letter on charged property Custody of non-discharged deeds after full loan repayment Issuance of redemption statement for existing account HK$1,500 per request HK$1,000 per request HK$1,000 per request HK$100 per copy HK$150 per copy HK$200 per set HK$1,000 per letter HK$4,000 per year HK$200 per copy Late Payment Fee and Charge HK$380 will be charged every time if you fail to make payment in full when due (including where there are insufficient funds in the repayment account), in addition to interest on the overdue repayments. Prepayment / Early Settlement / Redemption Fee Full prepayment charge If within 1st year of drawdown If within 2 nd year of drawdown If within 3 rd year of drawdown Partial prepayment charge Within first 2 years from drawdown 3% of the original loan 2% of the original loan 1% of the original loan 2 months interest on partial prepaid (minimum HK$50,000) Key Facts Statement (KFS) for Residential Mortgage Loan Page 2/3 - Home Loan/Home Equity Loan

3 Prepayment Fee (applicable to HIBOR plan only) If you make any prepayment on any date other than the instalment repayment date or on Saturday (Relevant Rate HIBID) x prepayment x the Remaining Days [number of days in the year of prepayment] Additional Information BLR means the Bank s Best Lending Rate which is the Hong Kong dollar Best Lending Rate quoted by us from time to time. 1-month HIBOR (H) as at any date means the Hong Kong Interbank Offered Rate (rounded to the nearest 4 decimal places) for the interest period of 1 month for Hong Kong Dollars quoted by the Bank at or about 11:00 a.m. (Hong Kong time) on such date. This HIBOR quoted by the Bank is not necessarily the same as HKD Interest Settlement Rates published by The Hong Kong Association of Banks. HIBID means the Hong Kong Interbank Bid Rate quoted by us for the prepayment date for interbank deposit for the remaining number of days in the relevant interest period. Mortgage Rate (in relation to an interest period of a HIBOR mortgage plan) means the lower of (i) the actual interest rate based on HIBOR as determined in accordance with the offer letter as at the relevant rate-fixing date for such interest period; or (ii) the actual interest rate based on BLR as determined in accordance with the offer letter on the relevant rate-fixing date for such interest period. Relevant Rate means the mortgage rate fixed for the relevant interest period. Please also refer to the fees and charges as set out in the Bank tariff guide for HSBC Retail Banking and Wealth Management Customers (available at any of the Bank s branches and as amended from time to time. Exchange Rate Warning If at any time your mortgage is in a currency that is different from the currency in which you are paid or from which you repay your mortgage, then there is a risk that changes in the exchange rate will affect the you owe and the of your interest and principal payments. If this applies to you, you should regularly check the exchange rate to ensure that you are still comfortable with the you owe and with the of interest and principal you pay. If you are not comfortable then you may want to consider reducing the of your mortgage, re-financing the mortgage or repaying it early. You should consider speaking with an independent financial adviser before making changes to your mortgage arrangements. Key Facts Statement (KFS) for Residential Mortgage Loan Page 3/3 - Home Loan/Home Equity Loan

4 香港上海滙豐銀行有限公司 ( 本行 ) 住宅按揭貸款產品資料概要樓宇按揭樓宇加按 2018 年 5 月此乃住宅按揭貸款產品本概要所提供的利息費用及收費等資料僅供參考, 住宅按揭貸款的最終條款以貸款確認書 * 為準 * 或貸款批核書利率及利息支出年化利率貸款金額 :HK$3,000,000 貸款期按本行港元最優惠利率所釐訂的年化利率年化利率範圍按本行一個月香港銀行同業拆息所釐訂的年化利率年化利率範圍 30 年低至 BLR-2.75% ( 年息 ) 低至 H+1.6% ( 年息 ) 逾期還款年化利率就違約貸款收取的年化利率港元最優惠利率計劃最優惠利率另加年息 4.25% 香港銀行同業拆息計劃按揭利率另加年息 7.25% 若本行於到期日仍未收到已到期款項的任何部分, 您 ( 們 ) 須為逾期款項支付以違約利率計算的違約利息違約利息以每年 365 日為基準 ( 或閏年 366 日為基準 ) 按日累算, 並須於供款日或本行指定的另一日期 ( 如有 ) 支付此違約利息不設最低金額每月還款金額每月還款金額貸款金額 :HK$3,000,000 貸款期按上述本行港元年利率 ^ 所釐訂的年化利率計算每月還款金額 30 年低至 HK$11,467* ^ 指最優惠利率按上述本行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低至 HK$11,149** * 假設 BLR-2.75% ( 年息 ) 及港元最優惠利率為 5% ( 年息 ) ** 假設 H+1.6% ( 年息 ) 及一個月香港銀行同業拆息 (H) 為 0.44% ( 年息 ) 費用及收費手續費取消手續費貸款額的 0.15%, 最低為 HK$5,000 更改按揭計劃每項申請 HK$1,500 借定唔借? 還得到先好借! 頁次 1/2

5 逾期還款費用及收費贖回契約提前清償提前還款贖回契約的收費更改供款計劃更改按揭人擔保人按揭契索取結單確認書還款細明表更改利率通知書貸款通知書年息結單副本索取確認尚欠額副本索取按揭契轉讓契買賣合約大廈公契的經核證副本按揭物業出租同意書已清還樓宇貸款而尚未辦理押記註銷之契據保管清贖證明書 ( 現有客戶 ) 每項申請 HK$1,000 每項申請 HK$1,000 每份 HK$100 每份 HK$150 每份 HK$200 每封 HK$1,000 每年 HK$4,000 每份 HK$200 若您未能準時全數償付還款 ( 包括還款賬戶沒有足夠款項 ), 除了逾期款項的利息外, 本行會收取每次 HK$380 逾期還款手續費提早清還全部貸款如在提取貸款後首年內原來貸款額的 3% 如在提取貸款後第二年內原來貸款額的 2% 如在提取貸款後第三年內原來貸款額的 1% 提早清還部份貸款如在提取貸款後首兩年內提早還款額的兩個月利息 ( 最低 HK$50,000) 提早還款手續費 ( 只適用於香港銀行同業拆息計劃 ) 並非於供款日或於星期六提早還款 ( 有關利率 - 香港銀行同業借入息率 ) x 提早還款額 x 剩餘日數 [ 提早還款年度的日數 ] 其他資料港元最優惠利率指本行不時公布的港元最優惠利率一個月香港銀行同業拆息就任何日子而言指由本行當日上午約 11 時 ( 香港時間 ) 公布的 1 個月利息期的港元香港銀行同業拆息 ( 計算至小數點後四個位 ) 本行公布的香港銀行同業拆息 (HIBOR) 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香港銀行同業借入息率指於提早還款日由本行公布, 就銀行同業存款以有關利息期剩餘日數之香港銀行同業借入息率按揭利率就香港銀行同業拆息計劃下任何利息期而言指下述兩者中的較低者 : (i) 就該利息期於有關利息訂立日按貸款批核書所載方式釐定的以香港銀行同業拆息 ; 或 (ii) 就該利息期於有關利息訂立日按貸款批核書所載方式釐定的以港元最優惠利率為基準的實際利率有關利率指有關利息期訂立的按揭利率有關按揭服務的費用, 請查閱滙豐零售銀行及財富管理客戶銀行服務費用簡介及不時修訂的文本 ( 亦可於各分行或查閱 ) 匯率提示如果您的按揭貸款貨幣有別於您收入或用作償還按揭貸款的貨幣, 這會帶來匯率風險而影響您的欠款金額利息及本金還款金額您應定期檢查外幣匯率以確保您清晰了解您的欠款金額利息及本金還款金額如有需要您可考慮減少按揭貸款按揭再融資或提早還款在您考慮於改動您的按揭貸款安排前應先向獨立財務顧問查詢住宅按揭貸款產品資料概要 - 樓宇按揭樓宇加按頁次 2/2

Microsoft Word - HLU102R4-m I

Microsoft Word - HLU102R4-m I The Hongkong and Shanghai Banking Corporation Limited (the "Bank") Key Facts Statement (KFS) for Residential Mortgage Loan HighAdvance May 2018 This product is a residential mortgage loan. This KFS provides