To: Pan Asian Mortgage Co., Ltd. (“Pan Asian Mortgage”)
Form 1 - Consent relating to mortgage data
For the purpose of setting up a comprehensive database by the Credit Reference Agencies for mortgage data sharing among all credit providers in Hong Kong, I am invited to expressly consent to all the uses of my data set out in this form. I understand that my refusal to give the consent will not necessarily result in my application (whether as a borrower, mortgagor or guarantor) to Pan Asian Mortgage for the mortgage loan under application being denied or not being processed at all.
“Credit Provider" means a credit provider in Hong Kong approved for participation in the Multiple Credit Reference Agencies Model.
“Credit Reference Agency" means a credit reference agency in Hong Kong approved for participation in the Multiple Credit Reference Agencies Model.
“Multiple Credit Reference Agencies Model” refers to a new initiative developed by the Hong Kong Association of Banks, the DTC Association and the Hong Kong SAR Licensed Money Lenders Association to enable Credit Providers to share and use consumer credit data through more than one Credit Reference Agency.
“Existing Mortgage Loan(s)” refers to any or all outstanding loans secured by real properties (loans secured by real properties are defined as "mortgage loans" and each a "mortgage loan") that have been granted by Pan Asian Mortgage and/or any other credit providers in Hong Kong to me (whether as a borrower, mortgagor or guarantor, and whether in my sole name or in joint names with others) with respect to applications made by me on or before 31st March 2011.
“Mortgage Data” refers to my personal data in relation to my Existing Mortgage Loan(s), and such data only consist of the following (and shall include any updated data of the following items from time to time):
(a) my full name;
(b) my capacity in respect of each mortgage (as borrower, mortgagor or guarantor);
(c) my Hong Kong Identity Card Number or travel document number;
(d) my date of birth;
(e) my correspondence address;
(f) my mortgage account number in respect of each mortgage;
(g) type of the facility in respect of each mortgage;
(h) my mortgage account status in respect of each mortgage (e.g., active, closed, write-off); and
(i) if any, my mortgage account closed date in respect of each mortgage.
“Mortgage Count” refers to the total number of outstanding mortgage loans held by me with credit providers in Hong Kong (whether as a borrower, mortgagor or guarantor, and whether in my sole name or in joint names with others) from time to time (including my Existing Mortgage Loan(s)).
“Relevant Credit Providers” refers to any or all credit providers in Hong Kong with whom I have Existing Mortgage Loan(s).
This consent is given by me to Pan Asian Mortgage on its own behalf, and on behalf of, and as agent for, Credit Reference Agencies and all other credit providers in Hong Kong for the following uses of my Mortgage Data and Mortgage Count:
(a) the transfer to Credit Reference Agencies by Pan Asian Mortgage of my Mortgage Data (if any) that is currently held by Pan Asian Mortgage or, if I have no Existing Mortgage Loan(s) with Pan Asian Mortgage, the transfer of my full name, Hong Kong Identity Card Number (or if applicable travel document number) and date of birth, and in each case the fact that I have made a new application for mortgage loan (whether as a borrower, mortgagor or guarantor) with Pan Asian Mortgage;
(b) Credit Reference Agencies checking if my Mortgage Count is on the Credit Reference Agencies’ database and, if it is not, Credit Reference Agencies making enquiries with all Credit Providers other than Pan Asian Mortgage by disclosing my full name, Hong Kong Identity Card Number (or if applicable travel document number) and date of birth to all other Credit Providers to check if there are any existing mortgage loans held by me (whether as a borrower, mortgagor or guarantor) with any other Credit Providers, and each Credit Reference Agency may use my full name, Hong Kong Identity Card Number (or if applicable travel document number) and date of birth for the above purposes more than once;
(c) releasing my Mortgage Data to Credit Reference Agencies by each of the Relevant Credit Providers;
(d) Credit Reference Agencies uploading all my Mortgage Data obtained from Pan Asian Mortgage and each of the Relevant Credit Providers onto the Credit Reference Agencies database and compiling my Mortgage Count;
(e) Credit Reference Agencies providing my Mortgage Count to Pan Asian Mortgage and each of the Relevant Credit Providers for the purposes of:
(1) considering mortgage loan application(s) made by me (whether as a borrower, mortgagor or guarantor) from time to time;
(2) reviewing or renewing any mortgage loans granted to me;
(3) reviewing any credit facility (including mortgage loan) granted or to be granted to me (whether as a borrower, mortgagor or guarantor) which is in default for a period of more than 60 days with a view to putting in place any debt restructuring, rescheduling or other modification of the terms of such credit facility by the credit provider;
(4) reviewing any credit facility (including mortgage loan) granted or to be granted to me (whether as a borrower, mortgagor or guarantor) where there is in place any debt restructuring, rescheduling or other modification of the terms of such credit facility between the credit provider and me consequent upon a default in the repayment of such credit facility for implementing such arrangement; and/or
(5) reviewing any credit facility (including mortgage loan) granted or to be granted to me (whether as a borrower, mortgagor or guarantor) with a view to putting in place any scheme of arrangement, debt restructuring, rescheduling or other modification of the terms of any credit facility initiated by my request;
(6) considering my application for credit facility (other than mortgage loan) and/or reviewing or renewing any facility (other than mortgage loan) granted or to be granted to me (whether as a borrower or guarantor), in each case where such facility is in an amount not less than such level or to be determined by a mechanism as prescribed or approved by the Privacy Commissioner for Personal Data from time to time; and
(f) Pan Asian Mortgage disclosing my Mortgage Count to any co-borrower, co-mortgagor, co-guarantor (if any) of the mortgage loan under application.
至：宏亞按揭證券有限公司（「宏亞按揭」）
表格一 - 有關按揭資料的同意
為助信貸資料機構設立一個全面資料庫，以使香港所有信貸提供者能共享按揭資料，本人獲邀就使用有關本人資料作本表格內所述全部用途作出明示同意。本人明白即使本人拒絕給予同意亦未必會導致本人於宏亞按揭的按揭貸款申請（不論以借款人、按揭人或擔保人身分）遭拒絕或不獲處理。
「信貸提供者」指在香港獲核准加入多家個人信貸資料服務機構模式的信貸提供者。
「信貸資料服務機構」指在香港獲核准加入多家個人信貸資料服務機構模式的信貸資料服務機構。
「多家個人信貸資料服務機構模式」指由香港銀行公會、香港有限制牌照銀行及接受存款公司公會及香港持牌放債人公會推行的新措施，使信貸提供者能透過多家信貸資料服務機構共享和使用客戶的信貸資料。
「現存按揭貸款」指任何或全部宏亞按揭及/或任何香港其他信貸提供者就本人在2011年3月31日或以前提出的申請而向本人（不論以借款人、按揭人或擔保人身分，以及不論以本人單名或與其他人士聯名方式）提供以物業作抵押的未償還貸款（以物業作抵押貸款定義為「按揭貸款」）。
「按揭資料」指有關本人現存按揭貸款的本人的個人資料，而該等資料只包括下述各項（以及其可能不時更新的任何資料）：
(a) 本人的全名；
(b) 本人就每宗按揭的身分（即作為借款人、按揭人或擔保人）；
(c) 本人的香港身分證號碼或旅遊證件號碼；
(d) 本人的出生日期；
(e) 本人的通訊地址；
(f) 本人就每宗按揭的按揭帳戶號碼；
(g) 就每宗按揭的信貸種類；
(h) 本人就每宗按揭的按揭帳戶狀況（如：生效、已結束、已撇帳）；及
(i) 就每宗按揭的按揭帳戶結束日期（如適用）。
「按揭宗數」指本人（不論以借款人、按揭人或擔保人身分，以及不論以本人單名或與其他人士聯名方式）在香港信貸提供者不時持有的未償還按揭貸款合計宗數（包括本人的現存按揭貸款）。
「相關信貸提供者」指本人持有現存按揭貸款的全部或任何香港信貸提供者。
本同意書由本人給予宏亞按揭本身及透過宏亞按揭作為其代表和代理的身分不時給予所有信貸資料服務機構及所有其他信貸提供者，同意彼等將本人按揭資料及本人按揭宗數作下述用途：
(a) 由宏亞按揭將其現時持有本人的按揭資料（如有），或若本人並無在宏亞按揭持有現存按揭貸款，將本人的全名、香港身分證號碼（或如適用，旅遊證件號碼）及出生日期及在各情況下本人（不論以借款人、按揭人或擔保人身分）向宏亞按揭作出新按揭貸款申請的事實轉移予信貸資料服務機構（包括任何其所使用的中央數據庫）；
(b) 信貸資料服務機構查閱信貸資料服務機構數據庫（包括以其名義維持的任何數據庫）是否存有本人的按揭宗數，如否，信貸資料服務機構過向其不包括宏亞按揭在內的所有其他信貸提供者披露本人的全名、香港身分證號碼（或如適用，旅遊證件號碼）及出生日期，向所有的信貸提供者查詢，藉此查核本人是否持有信貸資料服務機構任何其他成員任何現存按揭貸款（不論以借款人、按揭人或擔保人身分）。信貸資料服務機構為上述目的可多於一次使用本人的全名、香港身分證號碼（或如適用，旅遊證件號碼）及出生日期；
(c) 每個相關信貸提供者向信貸資料服務機構提供本人的按揭資料；
(d) 信貸資料服務機構將其從宏亞按揭及每個相關信貸提供者取得的所有本人的按揭資料上載至信貸資料服務機構的數據庫（包括任何其所使用的中央數據庫）及統計本人的按揭宗數；
(e) 信貸資料服務機構向宏亞按揭及每個相關信貸提供者提供本人的按揭宗數作下述用途：
(1) 考慮本人（不論以借款人、按揭人或擔保人身分）不時的按揭貸款申請；
(2) 檢討或更新已向本人提供的任何按揭貸款；
(3) 如出現拖欠還款超過60日的欠帳，檢討任何已向本人（不論以借款人、按揭人或擔保人身分）提供或擬提供的信貸安排（包括按揭貸款），以便信貸提供者就該信貸安排制訂債務重組或重新安排或其他任何性質的還款條件修訂；
(4) 當本人與信貸提供者因本人就信貸安排拖欠還款而已制訂任何債務重組或重新安排或其他任何性質的還款條件修訂時，檢討任何已向本人（不論以借款人、按揭人或擔保人身分）提供或擬提供的信貸安排（包括按揭貸款），以便推行上述債務重組安排；及/或
(5) 檢討任何已向本人（不論以借款人、按揭人或擔保人身分）提供或擬提供的信貸安排（包括按揭貸款），以便制訂由本人提出的任何償還債務安排、債務重組或重新安排或其他任何性質的還款條件修訂；
(6) 考慮本人作出的信貸安排（不包括按揭貸款）申請，及/或檢討或續批已向本人（不論以借款人或擔保人身分）提供或擬提供的任何信貸安排（不包括按揭貸款），但前題是該等信貸安排的額度不少於一個由個人資料私隱專員不時指定或決定的水平或機制釐定的水平；
(f) 就此按揭貸款申請，宏亞按揭向按揭貸款的任何共同借款人、共同按揭人及共同擔保人（如有）披露本人的按揭宗數。
