EX-10.15_3 21 ex10-15_3.htm

 

Exhibit 10.15.3

 

CONFIDENTIAL
 
*GRAND ALLIANCE INTERNATIONAL LIMITED
UNIT A 4/F
MEYER INDUSTRIAL BUILDING  
2 CHONG YIP STREET  
KWUN TONG KLN  
HK  

 

Date/日期 : 13/11/2021 Ref : 2760(100)

 

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」Business Instalment Loan Drawdown Advice 中小企業分期貸款提取通知書

 

Loan Account No. 貸款戶口號碼 : 53211723
Borrower Name 貸款公司名稱 : *GRAND ALLIANCE INTERNATIONAL LIMITED

 

Thank you for your interest in our Business Instalment Loan. We are pleased to advise that the loan amount of HKD 1,563,000 was credited to your designated account on 12/11/2021

 

多謝貴公司選用本行中小企業分期貸款服務，本行已於 12/11/2021 將港幣 1,563,000 存入貴公司之指定戶口。Details of the terms of your loan as confirmed by you are stated below 有關上述貸款的詳情如下：

 

Approved Loan Amount貸獲批核貸款額 : HKD港幣1,563,000.00
Interest Rate (current rate) p.a. 年利率(現時利率) : 2.75% (Prime Rate1 minus 最優惠利率1 -2.50%)
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 Holiday2 period還息不還本2期 : First 首12 months個月
Monthly Repayment Amount during Principal Payment Holiday period還息不還本期間每月還款額 : HKD港幣3,581.88
Repayment Period after Principal Payment Holiday period還息不還本期後還款期 : 84 months個月
Monthly Repayment Amount after Principal Payment Holiday period還息不還本期後每月還款額 : HKD港幣20,476.75
Repayment Account還款戶口號碼 : 415-1-046227-3
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 提前清還手續費 : For early redemption, no early redemption charge will be imposed. 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 the “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 current Prime Rate as announced by The Hong Kong Mortgage Corporation Limited is 5.25%. 現時香港按揭證券有限公司公佈的最優惠利率為 5.25%

 

2 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。

 

The 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(100)

 

 
 

 

CONFIDENTIAL

 

standard

chartered

渣打銀行

 

13/11/2021 FULL REPAYMENT SCHEDULE
   
*GRAND ALLIANCE INTERNATIONAL LIMITED Loan Account No 53211723
UNIT A 4/F Repayment Account No 415-0-046227-3
MEYER INDUSTRIAL BUILDING Loan Drawdown Date 12/11/2021
2 CHONG YIP STREET Interest Rate p.a.1 2.75%
KWUN TONG        KLN Principal Payment Holi day2 Period 12
HK Maturity Date 12/11/2029
  Outstanding Instalments 96
  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)        
12/12/2021 1 3,581.88 0.00 3,581.88 1,563,000.00 0.00
12/01/2022 2 3,581.88 0.00 3,581.88 1,563,000.00 0.00
12/02/2022 3 3,581.88 0.00 3,581.88 1,563,000.00 0.00
12/03/2022 4 3,581.88 0.00 3,581.88 1,563,000.00 0.00
12/04/2022 5 3,581.88 0.00 3,581.88 1,563,000.00 0.00
12/05/2022 6 3,581.88 0.00 3,581.88 1,563,000.00 0.00
12/06/2022 7 3,581.88 0.00 3,581.88 1,563,000.00 0.00
12/07/2022 8 3,581.88 0.00 3,581.88 1,563,000.00 0.00
12/08/2022 9 3,581.88 0.00 3,581.88 1,563,000.00 0.00
12/09/2022 10 3,581.88 0.00 3,581.88 1,563,000.00 0.00
12/10/2022 11 3,581.88 0.00 3,581.88 1,563,000.00 0.00
12/11/2022 12 3,581.88 0.00 3,581.88 1,563,000.00 0.00
12/12/2022 13 20,476.75 16,894.87 3,581.88 1,546,105.13 0.00
12/01/2023 14 20,476.75 16,933.59 3,543.16 1,529,171.54 0.00
12/02/2023 15 20,476.75 16,972.40 3,504.35 1,512,199.14 0.00
12/03/2023 16 20,476.75 17,011.29 3,465.46 1,495,187.85 0.00
12/04/2023 17 20,476.75 17,050.28 3,426.47 1,478,137.57 0.00
12/05/2023 18 20,476.75 17,089.35 3,387.40 1,461,048.22 0.00
12/06/2023 19 20,476.75 17,128.51 3,348.24 1,443,919.71 0.00
12/07/2023 20 20,476.75 17,167.77 3,308.98 1,426,751.94 0.00
12/08/2023 21 20,476.75 17,207.11 3,269.64 1,409,544.83 0.00
12/09/2023 22 20,476.75 17,246.54 3,230.21 1,392,298.29 0.00
12/10/2023 23 20,476.75 17,286.07 3,190.68 1,375,012.22 0.00
12/11/2023 24 20,476.75 17,325.68 3,151.07 1,357,686.54 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.

 

  Page 1/3
 

 

CONFIDENTIAL

 

Date Term Repayment Principal Payment Interest Payment Loan Outstanding Misc. Fee*
(DD/MM/YYYY) (Month) Amount  (HKD)  (HKD)  (HKD)  (HKD)
    (HKD)        
12/12/2023 25   20,476.75 17,365.39 3,111.36 1,340,321.15 0.00
12/01/2024 26   20,476.75 17,405.18 3,071.57 1,322,915.97 0.00
12/02/2024 27   20,476.75 17,445.07 3,031.68 1,305,470.90 0.00
12/03/2024 28   20,476.75 17,485.05 2,991.70 1,287,985.85 0.00
12/04/2024 29   20,476.75 17,525.12 2,951.63 1,270,460.73 0.00
12/05/2024 30   20,476.75 17,565.28 2,911.47 1,252,895.45 0.00
12/06/2024 31   20,476.75 17,605.53 2,871.22 1,235,289.92 0.00
12/07/2024 32   20,476.75 17,645.88 2,830.87 1,217,644.04 0.00
12/08/2024 33   20,476.75 17,686.32 2,790.43 1,199,957.72 0.00
12/09/2024 34   20,476.75 17,726.85 2,749.90 1,182,230.87 0.00
12/10/2024 35   20,476.75 17,767.47 2,709.28 1,164,463.40 0.00
12/11/2024 36   20,476.75 17,808.19 2,668.56 1,146,655.21 0.00
12/12/2024 37   20,476.75 17,849.00 2,627.75 1,128,806.21 0.00
12/01/2025 38   20,476.75 17,889.90 2,586.85 1,110,916.31 0.00
12/02/2025 39   20,476.75 17,930.90 2,545.85 1,092,985.41 0.00
12/03/2025 40   20,476.75 17,971.99 2,504.76 1,075,013.42 0.00
12/04/2025 41   20,476.75 18,013.18 2,463.57 1,057,000.24 0.00
12/05/2025 42   20,476.75 18,054.46 2,422.29 1,038,945.78 0.00
12/06/2025 43   20,476.75 18,095.83 2,380.92 1,020,849.95 0.00
12/07/2025 44   20,476.75 18,137.30 2,339.45 1,002,712.65 0.00
12/08/2025 45   20,476.75 18,178.87 2,297.88 984,533.78 0.00
12/09/2025 46   20,476.75 18,220.53 2,256.22 966,313.25 0.00
12/10/2025 47   20,476.75 18,262.28 2,214.47 948,050.97 0.00
12/11/2025 48   20,476.75 18,304.13 2,172.62 929,746.84 0.00
12/12/2025 49  20,476.75 18,346.08 2,130.67 911,400.76 0.00
12/01/2026 50   20,476.75 18,388.12 2,088.63 893,012.64 0.00
12/02/2026 51   20,476.75 18,430.26 2,046.49 874,582.38 0.00
12/03/2026 52   20,476.75 18,472.50 2,004.25 856,109.88 0.00
12/04/2026 53   20,476.75 18,514.83 1,961.92 837,595.05 0.00
12/05/2026 54   20,476.75 18,557.26 1,919.49 819,037.79 0.00
12/06/2026 55   20,476.75 18,599.79 1,876.96 800,438.00 0.00
12/07/2026 56   20,476.75 18,642.41 1,834.34 781,795.59 0.00
12/08/2026 57   20,476.75 18,685.14 1,791.61 763,110.45 0.00
12/09/2026 58   20,476.75 18,727.96 1,748.79 744,382.49 0.00
12/10/2026 59   20,476.75 18,770.87 1,705.88 725,611.62 0.00
12/11/2026 60   20,476.75 18,813.89 1,662.86 706,797.73 0.00
12/12/2026 61   20,476.75 18,857.01 1,619.74 687,940.72 0.00
12/01/2027 62   20,476.75 18,900.22 1,576.53 669,040.50 0.00
12/02/2027 63   20,476.75 18,943.53 1,533.22 650,096.97 0.00
12/03/2027 64   20,476.75 18,986.94 1,489.81 631,110.03 0.00

 

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

 

Standard Chartered Bank (Hong Kong) Limited

This computer generated letter requires no signature.

 

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CONFIDENTIAL

 

Date Term

Repayment

Amount

 Principal Payment
(HKD)		 Interest Payment
(HKD)		 Loan Outstanding
(HKD)		 Misc. Fee*
(HKD)
(DD/MM/YYYY) (Month) (HKD)
12/04/2027 65 20,476.75 19,030.46 1,446.29 612,079.57 0.00
12/05/2027 66 20,476.75 19,074.07 1,402.68 593,005.50 0.00
12/06/2027 67 20,476.75 19,117.78 1,358.97 573,887.72 0.00
12/07/2027 68 20,476.75 19,161.59 1,315.16 554,726.13 0.00
12/08/2027 69 20,476.75 19,205.50 1,271.25 535,520.63 0.00
12/09/2027 70 20,476.75 19,249.52 1,227.23 516,271.11 0.00
12/10/2027 71 20,476.75 19,293.63 1,183.12 496,977.48 0.00
12/11/2027 72 20,476.75 19,337.84 1,138.91 477,639.64 0.00
12/12/2027 73 20,476.75 19,382.16 1,094.59 458,257.48 0.00
12/01/2028 74 20,476.75 19,426.58 1,050.17 438,830.90 0.00
12/02/2028 75 20,476.75 19,471.10 1,005.65 419,359.80 0.00
12/03/2028 76 20,476.75 19,515.72 961.03 399,844.08 0.00
12/04/2028 77 20,476.75 19,560.44 916.31 380,283.64 0.00
12/05/2028 78 20,476.75 19,605.27 871.48 360,678.37 0.00
12/06/2028 79 20,476.75 19,650.20 826.55 341,028.17 0.00
12/07/2028 80 20,476.75 19,695.23 781.52 321,332.94 0.00
12/08/2028 81 20,476.75 19,740.36 736.39 301,592.58 0.00
12/09/2028 82 20,476.75 19,785.60 691.15 281,806.98 0.00
12/10/2028 83 20,476.75 19,830.94 645.81 261,976.04 0.00
12/11/2028 84 20,476.75 19,876.39 600.36 242,099.65 0.00
12/12/2028 85 20,476.75 19,921.94 554.81 222,177.71 0.00
12/01/2029 86 20,476.75 19,967.59 509.16 202,210.12 0.00
12/02/2029 87 20,476.75 20,013.35 463.40 182,196.77 0.00
12/03/2029 88

20,476.75

 20,059.22 417.53 162,137.55 0.00
 
12/04/2029 89 20,476.75 20,105.18 371.57 142,032.37 0.00
12/05/2029 90 20,476.75 20,151.26 325.49 121,881.11 0.00
12/06/2029 91 20,476.75 20,197.44 279.31 101,683.67 0.00
12/07/2029 92 20,476.75 20,243.72 233.03 81,439.95 0.00
12/08/2029 93 20,476.75 20,290.12 186.63 61,149.83 0.00
12/09/2029 94 20,476.75 20,336.61 140.14 40,813.22 0.00
12/10/2029 95 20,476.75 20,383.22 93.53 20,430.00 0.00
12/11/2029 96 20,476.82 20,430.00 46.82 0.00 0.00

 

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

 

Standard Chartered Bank (Hong Kong) Limited

This computer generated letter requires no signature.

 

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