The Credit Application Agreement serves as the foundational document for establishing a credit relationship between parties under English and Welsh law. This document is essential when any form of credit facility is being requested, whether for personal loans, business financing, or specific asset funding. It captures crucial information about the borrower's creditworthiness, intended use of funds, and ability to repay, while ensuring compliance with UK financial regulations and consumer protection laws. The agreement includes mandatory disclosures, interest calculations, repayment schedules, and default provisions, providing both parties with clear understanding of their rights and obligations.
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1. Parties: Identification of lender and borrower with full legal details
2. Background: Context of the credit application and relationship between parties
3. Definitions: Key terms used throughout the agreement
4. Credit Facility Details: Amount, purpose, and type of credit being applied for
5. Interest and Charges: Interest rates, calculation methods, and applicable fees
6. Repayment Terms: Payment schedule, methods, and conditions
7. Representations and Warranties: Statements of fact by the borrower
8. Default Provisions: Consequences of payment default or breach
1. Security Provisions: Details of any collateral or guarantees - include when credit is secured
2. Insurance Requirements: Mandatory insurance coverage details - include when insurance is required for the credit facility
3. Joint Borrower Provisions: Terms specific to multiple borrowers - include when there are multiple applicants
1. Schedule 1 - Payment Schedule: Detailed breakdown of payment dates and amounts
2. Schedule 2 - Interest Rate Calculation: Detailed method of interest calculation
3. Appendix A - Required Documentation: List of documents required for application
4. Appendix B - Credit Check Authorization: Consent form for credit checks
5. Appendix C - Direct Debit Mandate: Payment authorization form
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