鋑聯控股(459)通过间接全资附属公司駿聯信貸有限公司，与一名主要从事煤炭业务的个人（同时为借款人及按揭人）订立按揭贷款协议，涉及本金1600万港元，年利率为10%，期限12个月。该笔贷款将由集团内部资源拨付，并以香港蓝田一处住宅物业及停车位作为按揭抵押，独立估值师此前对该物业作出约2783万港元的估值。
根据公告，借款人需每月偿还利息，贷款到期时归还本金；若在第九期还款日前提前还款，需支付提前还款额2%的费用。逾期未还款将按年利率15%按日计息。董事会指出，该笔贷款授予主要参考了借款人的还款能力及抵押物估值，风险相对可控，同时可为集团带来额外利息收入。
由于贷款规模的适用百分比率超过5%但低于25%，此次发放贷款构成须予披露交易，需遵守上市规则第14章的申报及公告规定。公告显示，駿聯信貸乃在香港注册成立的有限公司，持有放债人牌照，属鋑聯控股(459)的间接全资附属公司。
Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.