Key Facts Statement (KFS) for Residential Mortgage Loan
Chiyu Banking Corporation Ltd. (“the Bank”)
Residential Mortgage Loan (for Personal Customers)
January 2020
This product is a residential mortgage loan. 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 | |||||||||||||||||||||
Annualized Interest Rate | For a loan amount of HK$3 million:
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Annualised Overdue / Default Interest Rate | 6% over HKD Prime The Bank reserves the right to charge default interest (before as well as after judgment) on a day to day basis on any sum which is not paid when due. If any installment payment or interest payment is overdue, default interest shall be calculated from the due date of the relevant installment or interest payment on a daily basis up to the day on which actual payment in full has been made. For details, please refer to the relevant sections of “General Terms and Conditions for Mortgage Loan Facility” provided by the Bank. |
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Monthly Repayment Amount | |||||||||||||||||||||
Monthly Repayment Amount | For a loan amount of HK$3 million:
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Fees and Charges | |||||||||||||||||||||
Handling Fee | 0.5% of loan amount (Subject to a minimum of HK$1,000 equivalent) will be charged when a customer applies for a residential mortgage loan 0.15% of loan amount (Subject to a minimum of HK$5,000 equivalent) will be charged if customer fail to draw down the residential mortgage loan after acceptance of the Offer Letter HK$ 1,000 per item will be charged when a customer requests for change of term(s) of the residential mortgage loan |
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Late Payment Fee and Charge | Apart from default interest, the Bank reserves the right to charge HK$500 on each time when the borrower fails to make a payment on its due date. In addition, if the Bank shall determine in its absolute discretion that it is necessary to instruct lawyers to issue letter of demand to the borrower or to take any other recovery action against the borrower after the borrower has failed to make any payment on its due date, the Bank shall have the right to recover all the legal costs of reasonable amount and reasonably incurred by the Bank and the borrower shall be obliged to pay such costs to the Bank upon demand. For details, please refer to the relevant sections of “General Terms and Conditions for Mortgage Loan Facility” provided by the Bank. |
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Prepayment / Early Settlement / Redemption Fee |
Prepayment in full:
Partial Prepayment:
In addition, 1-month interest (based on repayment amount) will be charged if you fully or partially repay the loan with less than 1 month’s prior notice. |
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Additional Information | |||||||||||||||||||||
Other relevant Fees and Charges:
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住宅按揭貸款產品資料概要
集友銀行有限公司(「本行」)
住宅按揭貸款 (個人客戶適用)
2020年 01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。 | |||||||||||||||||||||
利率及利息支出 | |||||||||||||||||||||
年化利率 | 貸款金額: HK$3,000,000
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逾期還款年化利率 / 就違約貸款收取的年化利率 | 本行港元最優惠利率加6% 本行保留可就下列任何到期未付款項按日徵收違約利息的權利(不論判決之後或之前) 若供款或付息逾期未付,將計算違約利息,自相關供款或付息到期日起按日計算,直至實際全數支付之日為止。 詳細請參閱本行提供的《按揭貸款授信的一般條款》中的相關部分 |
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每月還款金額 | |||||||||||||||||||||
每月還款金額 | 貸款金額: HK$3,000,000
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費用及收費 | |||||||||||||||||||||
手續費 | 在客戶申請住宅按揭貸款的情況下,將收取貸款金額0.5%(最低收費為HK$1,000) 作為手續費 在客戶接納要約函後,沒有提取住宅按揭貸款的情況下,將收取貸款金額的0.15% (最低收費為HK$5,000) 作為取消貸款手續費 在客戶遞交更改住宅按揭貸款計劃條款申請的情況下,將收取每項HK$1,000作為手續費 |
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逾期還款費用及收費 | 除違約利息外,本行保留在借款人每次未能如期付款時徵收HK$500(如涉及法律費用則另計)的權利。此外,若本行絕對酌情決定需要聘用律師,以在借款人未能於到期日付款時向借款人發出付款通知書或向借款人採取其他追討行動,本行則有權收回本行合理招致而金額合理的所有法律費用,且借款人須應要求向本行支付該等費用。 詳細請參閱本行提供的《按揭貸款授信的一般條款》中的相關部分 |
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提前清償 / 提前還款 / 贖回契約的收費 |
提前償還全數貸款:
提前償還部分貸款:
此外,當客戶不足於一個月內通知我行償還全數或部分貸款時,將收取按還款金額計算的一個月利息 | 其它資料 | |||||||||||||||||||
其它相關費用及收費:
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