EX-10.15_2 20 ex10-15_2.htm

 

Exhibit 10.15.2

 

 

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 : 52823121
New Loan Account No. 新貸款戶口號碼 : 53303776
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 1,501,246.04
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 3,440.36
Payment Holiday period 還息不還本期間每月還款額    
Repayment Period after Principal Payment : 76 months 個月
Holiday period    
還息不還本期後還款期    
     
Monthly Repayment Amount after Principal : HKD 港幣 21,545.89
Payment Holiday period 還息不還本期後每月還款額    
Repayment Account 還款戶口號碼 : 415-0-046227-3
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。

 

MHR093(100PM)

 

 

 

 

CONFIDENTIAL

 

 

08/03/2022   FULLREPAYMENTSCHEDULE
*GRAND ALLIANCE INTERNATIONAL LIMITED Loan Account No Repayment 53303776
UNIT A4/F    
  Account No 415-0-046227-3
MEYER INDUSTRIAL BUILDING Loan Drawdown Date Interest Rate  
  07/03/2022  
2 CHONG YIP STREET    
     
  2.75%  
KWUN TONG KLN p.a.1  
      5
HK   Principal Payment Holiday2 Period Maturity  
    07/12/2028
     
  Date 81
     
  Outstanding Instalments 0.00
     
  Arrears Balance  
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 scheduleof 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 3,440.36 0.00 3,440.36 1,501,246.04 0.00
07/05/2022 2 3,440.36 0.00 3,440.36 1,501,246.04 0.00
07/06/2022 3 3,440.36 0.00 3,440.36 1,501,246.04 0.00
07/07/2022 4 3,440.36 0.00 3,440.36 1,501,246.04 0.00
07/08/2022 5 3,440.36 0.00 3,440.36 1,501,246.04 0.00
07/09/2022 6 21,545.89 18,105.53 3,440.36 1,483,140.51 0.00
07/10/2022 7 21,545.89 18,147.03 3,398.86 1,464,993.48 0.00
07/11/2022 8 21,545.89 18,188.61 3,357.28 1,446,804.87 0.00
07/12/2022 9 21,545.89 18,230.30 3,315.59 1,428,574.57 0.00
07/01/2023 10 21,545.89 18,272.07 3,273.82 1,410,302.50 0.00
07/02/2023 11 21,545.89 18,313.95 3,231.94 1,391,988.55 0.00
07/03/2023 12 21,545.89 18,355.92 3,189.97 1,373,632.63 0.00
07/04/2023 13 21,545.89 18,397.98 3,147.91 1,355,234.65 0.00
07/05/2023 14 21,545.89 18,440.14 3,105,75 1,336,794.51 0.00
07/06/2023 15 21,545.89 18,482.40 3,063.49 1,318,312.11 0.00
07/07/2023 16 21,545.89 18,524.76 3,021.13 1,299,787.35 0.00
07/08/2023 17 21,545.89 18,567.21 2,978.68 1,281,220.14 0.00
07/09/2023 18 21,545.89 18,609.76 2,936.13 1,262,610.38 0.00
07/10/2023 19 21,545.89 18,652.41 2,893.48 1,243,957.97 0.00
07/11/2023 20 21,545.89 18,695.15 2,850.74 1,225,262.82 0.00
07/12/2023 21 21,545.89 18,738.00 2,807.89 1,206,524.82 0.00
07/01/2024 22 21,545.89 18,780.94 2,764.95 1,187,743.88 0.00
07/02/2024 23 21,545.89 18,823.98 2,721.91 1,168,919.90 0.00
07/03/2024 24 21,545.89 18,867.12 2,678.77 1,150,052.78 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, shall bear the same meaning and are used interchangeably. This computer generated letter requires no signature.

 

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CONFIDENTIAL

 

Date Term Repayment Principa1 Payment Interest Payment Loan Outstanding Misc. Fee*
(DD/MM/YYYY) (Month) Amount (HKD) (HKD) (HKD) (HKD) (HKD)
             
07/04/2024 25             21,545.89 18,910.35 2,635.54 1,131,142.43 0.00
07/05/2024 26 21,545.89 18,953.69 2,592.20 1,112,188.74 0.00
07/06/2024 27 21,545.89 18,997.12 2,548.77 1,093,191.62 0.00
07/07/2024 28 21,545.89 19,040.66 2,505.23 1,074,150.96 0.00
07/08/2024 29 21,545.89 19,084.29 2,461.60 1,055,066.67 0.00
07/09/2024 30 21,545.89 19,128.03 2,417.86 1,035,938.64 0.00
07/10/2024 31 21,545.89 19,171.86 2,374.03 1,016,766.78 0.00
07/11/2024 32 21,545.89 19,215.80 2,330.09 997,550.98 0.00
07/12/2024 33 21,545.89 19,259.84 2,286.05 978,291.14 0.00
07/01/2025 34 21,545.89 19,303.97 2,241.92 958,987.17 0.00
07/02/2025 35 21,545.89 19,348.21 2,197.68 939,638.96 0.00
07/03/2025 36 21,545.89 19,392.55 2,153.34 920,246.41 0.00
07/04/2025 37 21,545.89 19,436.99 2,108.90 900,809.42 0.00
07/05/2025 38 21,545.89 19,481.54 2,064.35 881,327.88 0.00
07/06/2025 39 21,545.89 19,526.18 2,019.71 861,801.70 0.00
07/07/2025 40 21,545.89 19,570.93 1,974.96 842,230.77 0.00
07/08/2025 41 21,545.89 19,615.78 1,930.11 822,614.99 0.00
07/09/2025 42 21,545.89 19,660.73 1,885.16 802,954.26 0.00
07/10/2025 43 21,545.89 19,705.79 1,840.10 783,248.47 0.00
07/11/2025 44 21,545.89 19,750.95 1,794.94 763,497.52 0.00
07/12/2025 45 21,545.89 19,796.21 1,749.68 743,701.31 0.00
07/01/2026 46 21,545.89 19,841.57 1,704.32 723,859.74 0.00
07/02/2026 47 21,545.89 19,887.04 1,658.85 703,972.70 0.00
07/03/2026 48 21,545.89 19,932.62 1,613.27 684,040.08 0.00
07/04/2026 49 21,545.89 19,978.30 1,567.59 664,061.78 0.00
07/05/2026 50 21,545.89 20,024.08 1,521.81 644,037.70 0.00
07/06/2026 51 21,545.89 20,069.97 1,475.92 623,967.73 0.00
07/07/2026 52 21,545.89 20,115.96 1,429.93 603,851.77 0.00
07/08/2026 53 21,545.89 20,162.06 1,383.83 583,689.71 0.00
07/09/2026 54 21,545.89 20,208.27 1,337.62 563,481.44 0.00
07/10/2026 55 21,545.89 20,254.58 1,291.31 543,226.86 0.00
07/11/2026 56 21,545.89 20,301.00 1,244.89 522,925.86 0.00
07/12/2026 57 21,545.89 20,347.52 1,198.37 502,578.34 0.00
07/01/2027 58 21,545.89 20,394.15 1,151.74 482,184.19 0.00
07/02/2027 59 21,545.89 20,440.88 1,105.01 461,743.31 0.00
07/03/2027 60 21,545.89 20,487.73 1,058.16 441,255.58 0.00
07/04/2027 61 21,545.89 20,534.68 1,011.21 420,720.90 0.00
07/05/2027 62 21,545.89 20,581.74 964.15 400,139.16 0.00
07/06/2027 63 21,545.89 20,628.90 916.99 379,510.26 0.00
07/07/2027 64 21,545.89 20,676.18 869.71 358,834.08 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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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             21,545.89 20,723.56 822.33 338,110.52 0.00
07/09/2027 66 21,545.89 20,771.05 774.84 317,339.47 0.00
07/10/2027 67 21,545.89 20,818.65 727.24 296,520.82 0.00
07/11/2027 68 21,545.89 20,866.36 679.53 275,654.46 0.00
07/12/2027 69 21,545.89 20,914.18 631.71 254,740.28 0.00
07/01/2028 70 21,545.89 20,962.11 583.78 233,778.17 0.00
07/02/2028 71 21,545.89 21,010.15 535.74 212,768.02 0.00
07/03/2028 72 21,545.89 21,058.30 487.59 191,709.72 0.00
07/04/2028 73 21,545.89 21,106.56 439.33 170,603.16 0.00
07/05/2028 74 21,545.89 21,154.92 390.97 149,448.24 0.00
07/06/2028 75 21,545.89 21,203.40 342.49 128,244.84 0.00
07/07/2028 76 21,545.89 21,252.00 293.89 106,992.84 0.00
07/08/2028 77 21,545.89 21,300.70 245.19 85,692.14 0.00
07/09/2028 78 21,545.89 21,349.51 196.38 64,342.63 0.00
07/10/2028 79 21,545.89 21,398.44 147.45 42,944.19 0.00
07/11/2028 80 21,545.89 21,447.48 98.41 21,496.71 0.00
07/12/2028 81 21,545.97 21,496.71 49.26 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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