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1. Parties: Details of the Credit Provider and the Customer (including registration/ID numbers, addresses, and contact details)
2. Background: Context of the agreement, including the customer's application for vehicle financing and the credit provider's agreement to provide such financing
3. Definitions and Interpretation: Definitions of key terms used in the agreement and rules of interpretation
4. Vehicle Details: Comprehensive description of the financed vehicle including make, model, year, VIN, engine number, and registration number
5. Financial Terms: Details of the purchase price, deposit, amount financed, interest rate, term of agreement, and installment amounts
6. Payment Terms: Payment schedule, method of payment, and consequences of late or missed payments
7. Insurance Requirements: Mandatory insurance requirements and specifications
8. Vehicle Use and Maintenance: Conditions for vehicle use, maintenance obligations, and territorial restrictions
9. Security and Ownership: Retention of title clauses, security interests, and transfer of ownership conditions
10. Default and Termination: Events of default, remedies, and termination procedures
11. General Terms: Standard contractual provisions including notices, amendments, and governing law
1. Balloon Payment: Terms for final lump sum payment, used when the finance agreement includes a balloon payment structure
2. Trade-in Vehicle: Details and terms relating to a vehicle being traded in as part of the transaction
3. Co-Debtor Details: Information and obligations of any co-debtors or guarantors
4. Tracking Device Requirements: Terms relating to mandatory vehicle tracking systems, if required by the credit provider
5. Extended Warranty: Terms of any extended warranty or service plan included in the financing
6. Cross-Border Usage: Terms for using the vehicle outside South Africa, if permitted
1. Schedule A - Vehicle Specification: Detailed technical specifications and features of the vehicle
2. Schedule B - Payment Schedule: Detailed breakdown of all payments including dates, amounts, and allocation between capital and interest
3. Schedule C - Insurance Requirements: Detailed insurance specifications and minimum coverage requirements
4. Schedule D - Pre-inspection Report: Document detailing the condition of the vehicle at time of sale
5. Appendix 1 - Statutory Notices: Mandatory notices required under the National Credit Act
6. Appendix 2 - Cost of Credit: Detailed breakdown of all costs associated with the credit agreement as required by legislation
Financial Services
Automotive
Insurance
Banking
Vehicle Retail
Asset Finance
Consumer Credit
Vehicle Manufacturing
Legal
Compliance
Credit Operations
Sales
Risk Management
Collections
Document Management
Vehicle Finance
Contract Administration
Customer Service
Finance and Insurance
Credit Assessment
Credit Manager
Finance and Insurance Manager
Legal Counsel
Compliance Officer
Vehicle Finance Specialist
Sales Manager
Contract Administrator
Risk Manager
Credit Analyst
Vehicle Finance Consultant
Collections Manager
Dealership Manager
Financial Services Representative
Document Controller
Credit Operations Manager
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