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1. Parties: Identification of the lender and borrower with full legal names and addresses
2. Background: Context of the loan agreement and brief description of the purpose
3. Definitions: Definitions of key terms used throughout the agreement
4. Facility Details: Amount, purpose, and type of loan facility being provided
5. Profit Rate and Fees: Specification of the profit rate (interest), calculation method, and applicable fees in compliance with Sharia principles
6. Drawdown Conditions: Conditions precedent and procedures for drawing down the loan
7. Repayment Terms: Payment schedule, method of payment, and prepayment provisions
8. Representations and Warranties: Statements of fact and assurances given by the borrower
9. Covenants: Positive and negative obligations of the borrower during the loan term
10. Events of Default: Circumstances that constitute default and consequences thereof
11. Security: Details of any security or collateral provided for the loan
12. Governing Law and Jurisdiction: Specification of UAE law as governing law and jurisdiction for disputes
1. Guarantees: Required when there is a third-party guarantor for the loan
2. Islamic Finance Provisions: Detailed Sharia-compliance provisions when the loan is structured as an Islamic finance product
3. Insurance: Required when specific insurance coverage is mandatory for the loan
4. Assignment and Transfer: Include when the lender wishes to reserve the right to assign or transfer the loan
5. Multiple Lenders: Required for syndicated loans with multiple lenders
6. Cross-Default: Include when the loan should be linked to other financial obligations
7. Security Trustee: Required when security is held by a trustee on behalf of multiple lenders
8. Change of Control: Include for borrowers where ownership stability is important
1. Facility Details Schedule: Detailed breakdown of the loan facility, including amounts, profit rates, and payment schedules
2. Conditions Precedent: List of all documents and conditions required before drawdown
3. Form of Drawdown Notice: Template for the borrower to request loan disbursements
4. Security Documents: List and copies of all security documents
5. Repayment Schedule: Detailed amortization schedule showing all payment dates and amounts
6. Financial Covenants: Detailed financial ratios and requirements to be maintained
7. Form of Compliance Certificate: Template for periodic compliance reporting
8. Permitted Security Interests: List of pre-approved security interests that may exist or be created
Banking & Financial Services
Islamic Banking
Commercial Lending
Corporate Finance
Small and Medium Enterprises
Real Estate
Manufacturing
Trading
Technology
Healthcare
Construction
Retail
Hospitality
Professional Services
Legal
Finance
Corporate Banking
Risk Management
Compliance
Treasury
Credit Assessment
Islamic Banking
Commercial Lending
Business Development
Operations
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Banking Relationship Manager
Credit Risk Manager
Compliance Officer
Treasury Manager
Financial Controller
Business Development Manager
Islamic Finance Specialist
Corporate Banking Officer
Risk Assessment Officer
Commercial Finance Manager
Legal Operations Manager
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