The Informal Loan Agreement is designed for use in the United Arab Emirates when parties wish to document a lending arrangement in a straightforward yet legally compliant manner. It provides a framework for both personal and small business loans while ensuring adherence to UAE Civil Code requirements and Islamic finance principles. This document type is particularly useful for situations where parties have a pre-existing relationship and need a simpler alternative to formal bank financing, while still maintaining legal protection. The agreement includes essential elements required by UAE law such as clear identification of parties, loan amount, repayment terms, and any profit-sharing arrangements (as alternatives to conventional interest), making it suitable for various lending scenarios while remaining enforceable under UAE jurisdiction.
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1. Parties: Identification of the lender and borrower with full legal names and contact details
2. Background: Brief context of the loan arrangement and relationship between parties
3. Definitions: Key terms used in the agreement defined for clarity
4. Loan Amount and Purpose: Specific amount being loaned and its intended use
5. Disbursement: When and how the loan amount will be provided to the borrower
6. Repayment Terms: Payment schedule, amount of installments, and method of payment
7. Interest/Profit Rate: Terms of any interest or profit-sharing arrangement, ensuring compliance with UAE law and Sharia principles
8. Events of Default: Circumstances that constitute default and consequences
9. Representations and Warranties: Basic statements of fact and promises made by both parties
10. Governing Law and Jurisdiction: Specification of UAE law as governing law and relevant courts
1. Security: Details of any collateral or security provided for the loan - include if the loan is secured
2. Guarantor Provisions: Terms relating to any guarantor of the loan - include if there is a guarantor
3. Early Repayment: Terms for early loan repayment - include if early repayment is allowed
4. Insurance: Requirements for insurance on any secured assets - include if security is provided
5. Assignment: Rights to assign or transfer the loan - include if transfer rights are needed
6. Force Majeure: Provisions for unforeseen circumstances - include for longer-term loans
1. Repayment Schedule: Detailed schedule of repayment dates and amounts
2. Security Details: Description of any security or collateral (if applicable)
3. Form of Notice: Template for any formal notices required under the agreement
4. Guarantor Declaration: Standard form for guarantor's declaration and commitment (if applicable)
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