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The International Loan Agreement is a sophisticated financial instrument used when parties seek to establish a formal lending arrangement with cross-border elements, governed by Hong Kong law. This document is particularly relevant when either the lender or borrower operates internationally, or when the loan facility involves multiple jurisdictions. The agreement leverages Hong Kong's position as a leading financial center and its well-established legal framework, which provides certainty and protection for international financial transactions. It includes comprehensive provisions covering loan terms, security arrangements, representations and warranties, covenants, and enforcement mechanisms, all structured to comply with Hong Kong's banking regulations and financial services legislation. The document is designed to accommodate various lending structures, from bilateral arrangements to syndicated facilities, and can be adapted for different types of security packages and guarantee arrangements.

1. Parties: Identification of the lender(s) and borrower(s) with full legal names and addresses

2. Background: Context of the loan arrangement and brief description of the parties' intentions

3. Definitions and Interpretation: Definitions of key terms used throughout the agreement and rules of interpretation

4. The Facility: Details of the loan amount, purpose, and any tranches or facilities within the loan

5. Conditions Precedent: Conditions that must be satisfied before the loan can be drawn

6. Drawdown: Procedures and requirements for drawing down the loan

7. Interest: Interest rate, calculation method, payment dates, and default interest provisions

8. Repayment: Terms of repayment including schedule, prepayment provisions, and mandatory prepayment events

9. Representations and Warranties: Statements of fact and assurances given by the borrower

10. Covenants: Positive and negative obligations of the borrower during the loan term

11. Events of Default: Circumstances constituting default and consequences thereof

12. Changes to Parties: Provisions regarding assignment, transfer, and novation

13. Payment Mechanics: Details of payment procedures, currency, and payment calculations

14. Costs and Expenses: Allocation of transaction costs and ongoing expenses

15. Indemnities: Borrower's obligations to compensate the lender for specified losses

16. Notices: Communication procedures and contact details

17. Calculations and Certificates: Provisions regarding calculations and certificates of amounts due

18. General Provisions: Boilerplate clauses including severability, amendments, and counterparts

19. Governing Law and Jurisdiction: Choice of Hong Kong law and jurisdiction provisions