The mortgage model deed is drafted as an " all monies " 2 - party mortgage deed designed for use by mortgage lenders and homebuyers in connection with residential properties 标准按揭契据是以一切款项两方按揭契据形式草拟，旨在供按揭贷款人及置业人士就住宅物业按揭贷款使用。
Once the 2 - party model mortgage deed becomes commonly adopted by mortgage lenders in hong kong , other forms of the mortgage deed could be prepared on the basis of the standard form 待标准两方按揭契据获本港的按揭贷款机构广泛采纳后，即可在标准格式的基础上编制其他形式的按揭契据。
As the model mortgage deed is written in plain english and accompanied by a chinese translation , its simplicity and user - friendliness will no doubt be greatly welcomed by the homebuyers 标准按揭契据文件采用浅白英语草拟，并辅以中文译本，其浅白及易于应用，必将广泛受置业人仕的欢迎。
Additionally , section g and section h of the model mortgage deed also specify the default interest rates on unpaid " expenses " and " secured liabilities " as defined in the model mortgage deed respectively 此外，标准按揭契据g部及h部也注明分别就未偿还的开支及有抵押债务定义见标准按揭契据收取的违约利率。
I hope that with the model mortgage and guarantee documents now completed , this will set a trend for all legal documents generally and ease the task of those having to translate them into chinese . 我希望随著标准按揭契据及担保书编制完成，所有法律文件都会朝著这个大趋势发展，从而可减轻负责把法律文件翻译成中文的人士的担子。
Most mortgage deeds typically used by the mortgage lenders provide that the mortgagor is liable for " all costs and expenses " irrespective of whether or not they are reasonably incurred by the mortgage lenders 按揭贷款人使用的大部分按揭契据一般规定按揭人须对所有费用与开支负责，而不论按揭贷款人是否合理地招致有关费用与开支。
In accordance with the recommendations set out in the code of banking practice , the mortgage lender is obliged to provide the guarantor with a copy of the model mortgage deed , the mortgage conditions and any agreement in relation to the loan 按照银行营运守则所载建议，按揭贷款人须向担保人提供标准按揭契据按揭条款及任何与贷款有关的协议的副本。
After one year s intensive preparatory drafting and extensive consultation of the public on the draft documents , the model mortgage deed and the model deed of guarantee and indemnity were formally launched by the steering committee in 2001 在一年的详细文件草拟工作及向公众人士的广泛谘询后，标准按揭契据及标准担保和弥偿保证契据在2001年草拟完成并正式推出。
In view of the above , the model mortgage deed does not contain a stand - alone " on demand " clause , and the relevant provisions tie the right of the mortgage lender to demand immediate repayment from the mortgagor to the specified events of default 有见及此，标准按揭契据并没有独立的按要求随时还款条款。按揭贷款人可要求按揭人即时还款的权利只与特定的违约事件挂。
Most mortgage deeds typically used by the mortgage lender do not specify the default rate of interest charged by the mortgage lender on overdue instalment payment , and provide that this will be charged at such rate as the mortgage lender may from time to time determine at " its absolute discretion " 按揭贷款人使用的大部分按揭契据一般不会注明按揭贷款人就过期供款收取的违约利率，只列明按揭贷款人有绝对酌情权不时决定就过期供款收取的利率。
