Metropolitan Capital: TERM OF SUMMARY OF PROVISIONS OF THE ORDINANCE TO BE INCLUDED IN OR

ATTACHED TO A NOTE OR MEMORANDUM OF A LOAN AGREEMENT

THE MONEY LENDERS ORDINANCE

附於或載於借約提要書或備忘錄的放債人條例摘要

放債人條例

 

 

The provisions of the Money Lenders Ordinance summarized below are important for the protection of all the parties to a loan agreement and should be read carefully. The summary is not part of the law, and reference should be made to the provisions of the Ordinance itself in case of doubt.

根據放債人條例摘要，對保障簽訂借約的各方均屬重要，故須小心閱讀。該摘要並非法例的一部份，如有疑難之處，可參閱放債人條例的有關條文。

 

Summary of Part III of the Ordinance – Money lenders transactions

放債人條例第III部摘要 – 放債人所進行的交易

 

Section 18 sets out the requirements relating to loans made by a money lender. Every agreement for a loan must be in writing and signed by the borrower within 7 days of making the agreement and before the money is lent. A copy of the signed note of the agreement must be given to the borrower, with a copy of this summary, at the time of signing. The signed note must contain full details of the loan, including the terms of repayment, the form of security and the rate of interest. An agreement which does not comply with the requirements will be unenforceable, except where a court is satisfied that it would be unjust not to enforce it.

第18條列載有關放債人所貸款項的規定。凡借約均須以書面訂立，由借款人於訂立借約後七日內簽署，並須在款項借出前辦妥。在簽署借約時，放債人必須給予借款人一份已簽署的借約提要書及本摘要乙份。該提要書須載明貸款詳情，包括還款條件，抵押形式及利率。凡不符合規定的借約，均不能執行，但如法庭認為不執行借約係不公平者，則屬例外。

 

Section 19 provides that a money lender must, if requested in writing and on payment of the prescribed fee for expenses, give the original and a copy of a written statement of a borrower’s current position under a loan agreement, including how much has been paid, how much is due or will be due, and the rate of interest. The borrower must endorse on the copy of the statement words to the effect that he has received the original of the written statement and return the copy as so endorsed to the money lender. The money lender must retain the copy of the statement so returned during the continuance of the agreement to which the statement relates. If the money lender does not do so he commits an offence. The money lender must also, upon a request in writing, supply a copy of any document relating to the loan or security. But a request cannot be made more than once per month. Interest is not payable for so long as the money lender, without good reason, fails to comply with any request mentioned in this paragraph.

第19條規定如借款人提出書面要求及繳交規定的費用，放債人必須發給該借款人結算書的正本及副本各一份，列明在該借約下借款人目前的債務詳情，包括已還款若干、到期未付或行將到期繳付的款項若干，以及利率等。借款人必須在結算書的副本註明他經已收到結算書的正本，並把已作上述批註的副本交回放債人。放債人必須在有關結算書的合約有效期間收存該份交回的結算書副本。如放債人不這樣做的話，即屬犯法。如借款人提出書面要求，放債人亦須供給有關該項貸款或抵押的任何文件副本。上述每項要求，每月只限提出一次。如放債人無充分理由而拒絕本段提及的任何要求，則借款人可免繳拒絕期內的利息。

 

Section 20 provides that the surety, unless he is also the borrower, must within 7 days of making the agreement be given a copy of the signed note of the agreement, a copy of the security instrument (if any) and a statement with details of the total amount payable. The money lender must also give the surety, upon request in writing at …

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放債人牌照號碼 : 1591/2017

 

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