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The Real Estate Loan Agreement is a fundamental document in German property financing transactions, used when providing secured financing for property acquisition, construction, or refinancing. This document type must comply with strict German regulatory requirements, including the German Civil Code (BGB), Banking Act (KWG), and consumer protection laws. It contains essential provisions regarding loan terms, security arrangements, borrower obligations, and lender rights, while incorporating mandatory consumer protection elements required under German law. The agreement serves as the primary contractual framework governing the lending relationship and includes crucial details about the property security, making it essential for both residential and commercial real estate transactions in Germany.

1. Parties: Identification of the lender (credit institution) and borrower(s), including full legal names, addresses, and registration details

2. Background: Context of the loan, purpose (property purchase/refinancing), and brief description of the property

3. Definitions: Definitions of key terms used throughout the agreement, including technical banking and real estate terminology

4. Loan Amount and Purpose: Specification of the loan amount, currency, and confirmed purpose of the loan

5. Interest Rate and Calculations: Detailed terms of interest rate (fixed/variable), calculation method, and effective annual rate (APR)

6. Term and Repayment: Loan duration, repayment schedule, installment amounts, and early repayment provisions

7. Security and Mortgage: Details of the property mortgage, ranking, and additional security requirements

8. Disbursement Conditions: Prerequisites for loan disbursement, including required documentation and conditions precedent

9. Borrower Representations: Borrower's confirmations regarding financial status, property ownership, and accuracy of provided information

10. Borrower Covenants: Ongoing obligations including property maintenance, insurance, and financial reporting requirements

11. Events of Default: Circumstances constituting default and consequences thereof

12. Bank's Rights and Remedies: Lender's rights in case of default, including enforcement and acceleration provisions

13. Costs and Fees: All costs associated with the loan, including processing fees, notary costs, and enforcement expenses

14. General Provisions: Standard clauses including notices, amendments, governing law, and jurisdiction