The Lending Loan Agreement is a crucial document used in the United Arab Emirates for establishing legally binding lending arrangements between financial institutions and borrowers. This document is essential when any form of financial lending occurs, whether for corporate financing, project development, or personal loans. The agreement must comply with UAE Federal Laws, including Civil Code (Federal Law No. 5 of 1985) and Commercial Transactions Law (Federal Law No. 18 of 1993), while also adhering to UAE Central Bank regulations. The Lending Loan Agreement typically includes comprehensive details about loan amount, interest rates, repayment terms, security arrangements, and default provisions, all structured to be enforceable under UAE law. It may also incorporate Shariah-compliant structures when required, reflecting the UAE's dual banking system that accommodates both conventional and Islamic financing.
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1. Parties: Identification of lender and borrower with full legal names and addresses
2. Background: Context of the loan arrangement and brief description of the parties' intentions
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount, currency, and permitted purpose of the loan
5. Interest Rate and Calculations: Details of interest rate, calculation method, and payment periods
6. Repayment Terms: Schedule of repayments, payment methods, and prepayment provisions
7. Conditions Precedent: Conditions that must be satisfied before the loan is disbursed
8. Representations and Warranties: Statements of fact and assurances given by the borrower
9. Borrower Covenants: Positive and negative obligations of the borrower during the loan term
10. Events of Default: Circumstances constituting default and consequences thereof
11. Security: Overview of security arrangements and enforcement rights
12. Costs and Expenses: Allocation of costs, fees, and expenses related to the loan
13. Notices: Process and requirements for formal communications between parties
14. Governing Law and Jurisdiction: Specification of UAE law as governing law and jurisdiction for disputes
15. Execution: Signature blocks and execution requirements
1. Islamic Finance Provisions: Required for Shariah-compliant loans, including specific structures and profit-sharing mechanisms
2. Guarantor Provisions: Required when a third party guarantees the loan
3. Assignment and Transfer: Include when loan transfer rights are contemplated
4. Syndication Provisions: Required for loans involving multiple lenders
5. Tax Provisions: Detailed tax provisions when cross-border elements exist
6. Change of Control: Include for corporate borrowers where ownership changes may affect the loan
7. Insurance Requirements: Detailed insurance obligations when specific insurance coverage is required
8. Account Bank Arrangements: Required when specific bank account structures are needed
1. Repayment Schedule: Detailed amortization table showing payment dates and amounts
2. Form of Drawdown Notice: Template for borrower to request loan disbursement
3. Security Details: Detailed description of all security assets and arrangements
4. Conditions Precedent Documents: List of required documents and conditions for loan disbursement
5. Fee Schedule: Breakdown of all applicable fees and charges
6. Form of Compliance Certificate: Template for periodic compliance reporting
7. Permitted Security: List of security interests permitted to exist
8. Specimen Signatures: Authorized signatures for loan administration
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