Interest and Default Interest利息及违约利息条款是Facility Agreement信贷协议中的基本条款，

对贷款利息的计算、支付以及违约利息等进行了规定。此条款在合同中出现时，一般内容较多，规定的比较具体。以下为一些常见示例：

 

（此条款呈现的内容较为全面）

1. Interest

  利息

1.1 Calculation of interest

The rate of interest on each Loan for each Interest Period is the percentage rate per annum which is the aggregate of:

(a)the Margin; and

(b)the applicable HIBOR for that Interest Period.

利息计算

每笔贷款每一计息期的年利率为下列适用利率的总和：

(a)息差；以及

(b)该计息期适用的香港银行同业拆借利率。

 

1.2 Payment of interest

The Borrower shall pay accrued interest on that Loan on the last day of each Interest Period relating to that Loan.

利息支付

借款人应当在相关贷款各计息期的最后一日支付该笔贷款的应计利息。

 

1.3 Default interest

(a) If an Obligor fails to pay any amount payable by it under a Finance Document on its due date, interest shall accrue on the Unpaid Sum from the due date up to the date of actual payment (both before and after judgment) at a rate which, subject to paragraph (b) below, is 5% per annum above the rate which would have been payable if the Unpaid Sum had, during the period of non-payment, constituted a Loan in the currency of the Unpaid Sum for successive Interest Periods, each of a duration selected by the Lender. Any interest accruing under this Clause 8.3 shall be immediately payable by the Obligor on demand by the Lender.

违约利息

(a) 如果任何义务人未能在到期日支付其在融资文件项下应当支付的任何款项，有关未付款项应计付利息，计息期间为从到期日起计至实际支付日期至（包括判定债项之前及之后），在遵守下文(b)款规定的前提下，利率采用如果该笔未付款项在尚未支付的期间按该笔未付款项所用货币构成一笔贷款而就连续计息期原本应当支付的利率上浮5%每年（前述期间均由贷款人选定）。义务人应当在贷款人提出要求时，即时支付第8.3条项下累计的任何利息。

(b)If any Unpaid Sum consists of all or part of a Loan which became due on a day which was not the last day of an Interest Period relating to that Loan:

(i)the first Interest Period for that Unpaid Sum shall have a duration equal to the unexpired portion of the current Interest Period relating to that Loan; and

(ii)the rate of interest applying to the Unpaid Sum during that first Interest Period shall be 5% per annum above the rate which would have applied if the Unpaid Sum had not become due.

(b)如果任何未付款项包含其到期日不是其有关计息期最后一日的某笔贷款全部或部分：

(i)该笔未付款项的首个计息期应当等于该笔贷款当前计息期的剩余部分；并且

(ii)该笔未付款项在前述首个计息期适用的利率为假如该笔未付款项仍未到期而原本应当适用的利率加5%每年。

 

(c)Default interest (if unpaid) arising on an Unpaid Sum will be compounded with the Unpaid Sum at the end of each Interest Period applicable to that Unpaid Sum but will remain immediately due and payable.

(c)未付款项所产生的违约利息（如未付）在该笔未付款项适用的每一计息期结束时与未付款项合并计算复利，但是应当继续构成即时到期应付金额。

 

1.4 Notification of rates of interest

The Lender shall promptly notify the Borrower of the determination of a rate of interest under this Agreement.

利率通知

贷款人应尽快将其在本协议项下确定的利率通知借款人。

 

（此条款基本框架如上，但具体规定内容及表达可能会有所差别，以下为一些补充。）

2.  Calculation of interest

The rate of interest on each Loan is the Interest Rate.

利率计算

利率为每笔贷款的利率。

 

3.  Interest Period

The Interest Period for any Loan shall be six Months. Each Interest Period for a Loan shall start on the first Utilisation Date or (if a Loan has already been made) on the last day of the preceding Interest Period of such Loan.

计息期

任何贷款的计息期应为六个月。贷款的每一计息期应自首次提款日期始或（如果已经进行贷款）自该贷款的上一计息期的最后一日始。

 

4.  Break Costs

The Borrower must pay to the Lender its Break Costs. The Lender shall provide a certificate confirming the amount of its Break Costs for any Interest Period in which they accrue.

    违约金

借款人必须向贷款人支付其违约金。贷款人应提供证明，以确认在任何计息期内产生的提前违约金数额。

（Break Costs, 一般可译为违约金，英文有时也会用fixed rate exit fees来表达。固定利率贷款期限内，借款人若出于各种原因额外还款或提前还款，则将会给贷款人带来一定的经济损失，因此贷款人需要向借款人收取一定的违约金以弥补损失。）

 

【Notes】

HIBOR (Hongkong InterBank Offered Rate) 香港银行同行业拆借利率

Interest Period 计息期

Borrower 借款人

Lender 贷款人

Obligor 义务人

  Finance Document 融资文件

  Utilisation Date 提款日期

  Break Costs 违约金

 

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