This Loan Contract template is designed for use in Malaysia and complies with local financial and banking regulations, including both conventional and Islamic banking frameworks. It is suitable for various lending scenarios, from corporate financing to personal loans, and can be customized based on the specific requirements of the transaction. The document includes essential provisions required under Malaysian law, such as those stipulated in the Contracts Act 1950 and Financial Services Act 2013. It covers crucial elements including loan amount, interest calculations, repayment terms, security arrangements, events of default, and enforcement mechanisms. The agreement can be used by financial institutions, licensed moneylenders, and other authorized lenders, incorporating necessary safeguards to protect both lender and borrower interests while ensuring regulatory compliance.
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1. Parties: Identification of lender and borrower with complete details including registration/ID numbers
2. Background: Context of the loan agreement and relationship between parties
3. Definitions and Interpretation: Definitions of key terms and interpretation rules for the agreement
4. Loan Amount and Purpose: Specification of the loan amount and permitted use of funds
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 loan disbursement
8. Representations and Warranties: Statements of fact and assurances given by the borrower
9. Borrower's Covenants: Ongoing obligations and restrictions on the borrower
10. Events of Default: Circumstances constituting default and consequences thereof
11. Remedies: Lender's rights and remedies upon default
12. Notices: Method and addresses for formal communications
13. General Provisions: Standard contractual provisions including governing law, amendments, and assignment
1. Security: Required when loan is secured by collateral, detailing the assets and security arrangements
2. Guarantee: Include when there are guarantors, specifying their obligations and liabilities
3. Insurance: Required when insurance of collateral or life insurance is mandatory
4. Islamic Banking Provisions: Include for Shariah-compliant loans, specifying relevant Islamic banking structures
5. Cross Default: Include when borrower has other facilities with the lender or related entities
6. Change of Circumstances: Include provisions for market disruption or changes in law affecting the loan
7. Assignment and Transfer: Include detailed provisions if loan may be syndicated or transferred
8. Joint and Several Liability: Required when there are multiple borrowers
1. Schedule 1 - Loan Details: Detailed breakdown of loan amount, interest rates, and payment schedule
2. Schedule 2 - Conditions Precedent Documents: List of required documents and conditions for loan disbursement
3. Schedule 3 - Repayment Schedule: Detailed amortization table showing payment dates and amounts
4. Schedule 4 - Security Details: Detailed description of collateral and security arrangements if applicable
5. Schedule 5 - Form of Drawdown Notice: Template for requesting loan disbursement
6. Schedule 6 - Fees and Charges: Breakdown of all applicable fees, charges, and costs
7. Appendix A - Standard Terms and Conditions: General terms and conditions applicable to all loans of this type
8. Appendix B - Compliance Documents: Required regulatory and compliance declarations
Relevant legal definitions
Clauses
Relevant Industries
Banking & Financial Services
Real Estate
Commercial Lending
Consumer Finance
Islamic Banking
Manufacturing
Retail
Construction
Agriculture
Small and Medium Enterprises
Corporate Finance
Property Development
Relevant Teams
Legal
Finance
Compliance
Risk Management
Credit
Corporate Banking
Retail Banking
Islamic Banking
Treasury
Operations
Company Secretarial
Documentation
Relevant Roles
Chief Financial Officer
Finance Manager
Legal Counsel
Compliance Officer
Risk Manager
Credit Analyst
Loan Officer
Corporate Banker
Relationship Manager
Treasury Manager
Financial Controller
Company Secretary
Credit Risk Officer
Legal Manager
Banking Executive
Islamic Banking Officer
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