EX-10.15_1 19 ex10-15_1.htm

 

Exhibit 10.15.1

 

CONFIDENTIAL        

*GRAND ALLIANCE INTERNATIONAL LIMITED UNIT A 4/F

MEYER INDUSTRIAL BUILDING 2

CHONG YIP STREET KWUN TONG KLN HK

    

 

Date/日期 : 08/03/2022 Ref : 2760(100PM)

 

Dear Customer 親愛的客戶：

 

SME Financing Guarantee Scheme – Special 100% Loan Guarantee 中小企融資擔保計劃-「百分百擔保特惠貸款」 Principal Payment Holiday1 and/ or Tenor Adjustment Confirmation Advice 還息不還本 1 及/或調整還款期確認通知書

 

 

Original Loan Account No. 原貸款戶口號碼 : 52694283
New Loan Account No. 新貸款戶口號碼 : 53304195
Borrower Name 貸款公司名稱 : *GRAND ALLIANCE INTERNATIONAL LIMITED

 

Thank you for your application for Principal Payment Holiday and/ or Tenor Adjustment to your original Business Instalment Loan. We are pleased to advise that your application is approved and will be effective from 07/03/2022.

 

多謝貴公司申請本行中小企業分期貸款還息不還本及/或調整還款期服務，本行現通知貴公司的申請已獲批並於07/03/2022 生效。

 

Details of the terms of your loan as confirmed by you with Principal Payment Holiday and/or Tenor Adjustment are stated below. 有關上述貸款的還息不還本及/或調整還款期詳情如下：

 

Approved Loan Amount for Principal Payment : HKD 港幣 1,180,262.77
Holiday 獲批核還息不還本貸款額    
Interest Rate (current rate) p.a. 年利率(現時利率) : 2.75% (Prime Rate2 minus 最優惠利率 2 -2.5%)
Guarantee Fee 擔保費 : Waived by HKMC Insurance Limited 香港按證保險有限公司豁免
Duration of Principal Payment Holiday period : 5 months 個月
還息不還本期    
Monthly Repayment Amount during Principal : HKD 港幣 2,704.77
Payment Holiday period 還息不還本期間每月還款額    
Repayment Period after Principal Payment : 72 months 個月
Holiday period    
還息不還本期後還款期    
Monthly Repayment Amount after Principal : HKD 港幣 17,800.83
Payment Holiday period 還息不還本期後每月還款額    
Repayment Account 還款戶口號碼 : 415-1-066075-2
Repayment Date 還款日期 : Repayment will commerce one month after the date upon which
    the instalment loan is advanced by the Bank. If the repayment
    date falls on a Sunday or a public holiday the repayment date will
    be changed to the next working day.還款將由銀行貸出上述貸款日期後
    一個月開始，如該月還款日為星期日或公眾假期，則還款日將順延至下一個
    工作天。
Early Redemption Fee : For early redemption, no early redemption charge will be imposed.
提前清還手續費   如貴公司要求提前全部清還貸款，本行將不會收取任何手續費。

 

Should you require further information on your Business Instalment Loan, please contact us at (852) 2866-8868. After the language is selected, please press “5”, “3” and then “1” to talk to our Customer Service Representative.

 

如閣下有任何查詢，請致電熱線，選擇語言後，按「5」、「3」、及「1」於本行客戶服務主任聯絡。

 

The processing of your application was conducted according to the Bank’s prevailing credit policy and credit check with credit reference agency of sole proprietor, partner and company (if any). If company(ies) want to access their credit report, they may contact Dun & Bradstreet (HK) Limited (D&B) at (852)2516-1100 (for commercial credit information). 此申請是根據本行信貸批核條款及有關獨資東主、合夥人及公司(如有)於信貸資料機構的資料作處理。如上述公司要求查閱其公司之商業信貸紀錄，可致電(852)2516-1100 與美國鄧白氏商業資料(香港)有限公司聯絡。

 

Standard Chartered Bank (Hong Kong) Limited 渣打銀行(香港)有限公司謹啓

cc. LAU TOM KO YUEN

LAU KWOK YAN MICHAEL

 

1 The terms “Principal Payment Holiday”, “Principal Repayment Holiday” and “Principal Moratorium”, when used, shall bear the same meaning and are used interchangeably.

「延遲償還貸款本金」及「還息不還本」含義相同，可以互換使用。

2 The current Prime Rate as announced by The Hong Kong Mortgage Corporation Limited is 5.25%.

現時香港按揭證卷有限公司公佈的最優惠利率為 5.25%

 

This computer generated letter requires no signature. In the event of any discrepancy between the Chinese and English versions of the notice, the English version should prevail. 此乃電腦編印信件，本行無須簽署，如中文譯本與英文有異，概以英文本為準。

 

 
 

 

CONFIDENTIAL    
 

 

08/03/2022       FULLREPAYMENT SCHEDULE
*GRAND ALLIANCE INTERNATIONAL LIMITED   Loan Account No   53304195
UNIT A4/F   Repayment Account No   415-1-066075-2
MEYER INDUSTRIAL BUILDING   Loan Drawdown Date Interest Rate   07/03/2022
2 CHONG YIP STREET   p.a.1   2.75%
KWUN TONG KLN   Principal Payment Holiday2 Period Maturity   5
HK   Date   07/08/2028
    Outstanding Instalments   77
    Arrears Balance   0.00

 

Thank you for choosing our Business Instalment Loan under the SME Financing Guarantee Scheme - special 100% Loan Guarantee. we are pleased to provide you with a schedule of repayments for the full tenor for your record and ease of financial planning. Please note that the monthly repayment amount is subject to adjustment according to the prevailing interest rate, upon which a revised schedule will be mailed to you.

 

Date Term   Repayment Principal Payment Interest Payment   Loan Outstanding Misc. Fee*
(DD/MM/YYYY) (Month)   Amount (HKD) (HKD)    (HKD) (HKD)
      (HKD)          
                 
07/04/2022   1 2,704.77 0.00 2,704.77   1,180,262.77 0.00
07/05/2022   2 2,704.77 0.00 2,704.77   1,180,262.77 0.00
07/06/2022   3 2,704.77 0.00 2,704.77   1,180,262.77 0.00
07/07/2022   4 2,704.77 0.00 2,704.77   1,180,262.77 0.00
07/08/2022   5 2,704.77 0.00 2,704.77   1,180,262.77 0.00
07/09/2022   6 17,800.83 15,096.06 2,704.77   1,165,166.71 0.00
07/10/2022   7 17,800.83 15,130.66 2,670.17   1,150,036.05 0.00
07/11/2022   8 17,800.83 15,165.33 2,635.50   1,134,870.72 0.00
07/12/2022   9 17,800.83 15,200.08 2,600.75   1,119,670.64 0.00
07/01/2023   10 17,800.83 15,234.92 2,565.91   1,104,435.72 0.00
07/02/2023   11 17,800.83 15,269.83 2,531.00   1,089,165.89 0.00
07/03/2023   12 17,800.83 15,304.82 2,496.01   1,073,861.07 0.00
07/04/2023   13 17,800.83 15,339.90 2,460.93   1,058,521.17 0.00
07/05/2023   14 17,800.83 15,375.05 2,425.78   1,043,146.12 0.00
07/06/2023   15 17,800.83 15,410.29 2,390.54   1,027,735.83 0.00
07/07/2023   16 17,800.83 15,445.60 2,355.23   1,012,290.23 0.00
07/08/2023   17 17,800.83 15,481.00 2,319.83   996,809.23 0.00
07/09/2023   18 17,800.83 15,516.48 2,284.35   981,292.75 0.00
07/10/2023

 

19

17,800.83

15,552.03

2,248.80

965,740.72

0.00

07/11/2023   20 17,800.83 15,587.67 2,213.16   950,153.05 0.00
07/12/2023   21 17,800.83 15,623.40 2,177.43   934,529.65 0.00
07/01/2024   22 17,800.83 15,659.20 2,141.63   918,870.45 0.00
07/02/2024   23 17,800.83 15,695.09 2,105.74   903,175.36 0.00

 

*Miscellaneous fee includes handling fee, annual fee, adjustment fee etc.

 

standard chartered Bank (Hong Kong) Limited

1The current Prime Rate as announced by The Hong Kong Mortgage Corporation Limited is 5.25%.

2The terms “Principal Payment Holiday”, “Principal Repayment Holiday” and “Principal Moratorium”, when used, sha11 bear the same meaning and are used interchangeably.

This computer generated letter requires no signature.

 

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CONFIDENTIAL

 

Date Term Repayment Principal Payment Interest Payment Loan Outstana1ng Misc. Fee*
(DD/MM/YYYY) (Month) Amount (HKD)   (HKD) (HKD) (HKD)
    (HKD)          
               
07/04/2024 25 17,800.83   15,767.10 2,033.73 871,677.21 0.00
07/05/2024 26 17,800.83   15,803.24 1,997.59 855,873.97 0.00
07/06/2024 27 17,800.83   15,839.45 1,961.38 840,034.52 0.00
07/07/2024 28 17,800.83   15,875.75 1,925.08 824,158.77 0.00
07/08/2024 29 17,800.83   15,912.13 1,888.70 808,246.64 0.00
07/09/2024 30 17,800.83   15,948.60 1,852.23 792,298.04 0.00
07/10/2024 31 17,800.83   15,985.15 1,815.68 776,312.89 0.00
07/11/2024 32 17,800.83   16,021.78 1,779.05 760,291.11 0.00
07/12/2024 33 17,800.83   16,058.50 1,742.33 744,232.61 0.00
07/01/2025 34 17,800.83   16,095.30 1,705.53 728,137.31 0.00
07/02/2025 35 17,800.83   16,132.18 1,668.65 712,005.13 0.00
07/03/2025 36 17,800.83   16,169.15 1,631.68 695,83S.98 0.00
07/04/2025 37 17,800.83   16,206.21 1,594.62 679,629.77 0.00
07/05/2025 38 17,800.83   16,243.35 1,557.48 663,386.42 0.00
07/06/2025 39 17,800.83   16,280.57 1,520.26 647,105.85 0.00
07/07/2025 40 17,800.83   16,317.88 1,482.95 630,787.97 0.00
07/08/2025 41 17,800.83   16,355.27 1,445.56 614,432.70 0.00
07/09/2025 42 17,800.83   16,392.76 1,408.07 598,039.94 0.00
07/10/2025 43 17,800.83   16,430.32 1,370.51 581,609.62 0.00
07/11/2025 44 17,800.83   16,467.97 1,332.86 565,141.65 0.00
07/12/2025 45 17,800.83   16,505.71 1,295.12 548,635.94 0.00
07/01/2026 46 17,800.83   16,543.54 1,257.29 532,092.40 0.00
07/02/2026 47 17,800.83   16,581.45 1,219.38 515,510.95 0.00
07/03/2026 48 17,800.83   16,619.45 1,181.38 498,891.50 0.00
07/04/2026 49 17,800.83   16,657.54 1,143.29 482,233.96 0.00
07/05/2026 50 17,800.83   16,695.71 1,105.12 465,538.25 0.00
 07/06/2026 51 17,800.83   16,733.97 1,066.86 448,804.28 0.00
 07/07/2026 52 17,800.83    16,772.32 1,028.51 432,031.96 0.00
 07/08/2026 53 17,800.83   16,810.76 990.07 415,221.20 0.00
07/09/2026 54 17,800.83   16,849.28 951.55 398,371.92 0.00
07/10/2026 55 17,800.83   16,887.89 912.94 381,484.03 0.00
07/11/2026 56 17,800.83   16,926.60 874.23 364,557.43 0.00
 07/12/2026 57 17,800.83   16,965.39 835.44 347,592.04 0.00
 07/01/2027 58 17,800.83   17,004.26 796.57 330,587.78 0.00
 07/02/2027 59 17,800.83   17,043.23 757.60 313,544.55 0.00
 07/03/2027 60 17,800.83   17,082.29 718.54 296,462.26 0.00
 07/04/2027 61 17,800.83   17,121.44 679.39 279,340.82 0.00
 07/05/2027 62 17,800.83   17,160.67 640.16 262,180.15 0.00
07/06/2027 63 17,800.83   17,200.00 600.83 244,980.15 0.00

 

*Miscellaneous fee includes handling fee, annual fee, adjustment fee etc.

 

Standard Chartered Bank (Hong Kong) Limited

This computer generated letter requires no signature.

 

CONFIDENTIAL

 

Date Term Repayment Principal Payment Interest Payment Loan Outstanding Misc. Fee*
(DD/MM/YYYY) (Month) Amount (HKD) (HKD) (HKD) (HKD)
    (HKD)        
             
07/08/2027 65 17,800.83 17,278.92 521.91 210,461.81 0.00
07/09/2027 66 17,800.83 17,318.52 482.31 193,143.29 0.00
07/10/2027 67 17,800.83 17,358.21 442.62 175,785.08 0.00
07/11/2027 68 17,800.83 17,397.99 402.84 158,387.09 0.00
07/12/2027 69 17,800.83 17,437.86 362.97 140,949.23 0.00
07/01/2028 70 17,800.83 17,477.82 323.01 123,471.41 0.00
07/02/2028 71 17,800.83 17,517.87 282.96 105,953.54 0.00
07/03/2028 72 17,800.83 17,558.02 242.81 88,395.52 0.00
07/04/2028 73 17,800.83 17,598.26 202.57 70,797.26 0.00
07/05/2028 74 17,800.83 17,638.59 162.24 53,158.67 0.00
07/06/2028 75 17,800.83 17,679.01 121.82 35,479.66 0.00
07/07/2028 76 17,800.83 17,719.52 81.31 17,760.14 0.00
07/08/2028 77 17,800.84 17,760.14 40.70 0.00 0.00

 

*Miscellaneous fee includes handling fee, annual fee, adjustment fee etc.

 

Standard Chartered Bank (Hong Kong) Limited

This computer generated letter requires no signature.

 

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