This Loan Agreement template is designed for use in the United Arab Emirates, incorporating all necessary elements required under UAE law and banking regulations. It serves as the primary document for documenting lending arrangements between financial institutions and borrowers, whether for corporate financing, project finance, or general commercial purposes. The agreement includes mandatory provisions required by the UAE Civil Code and Commercial Transactions Law, with flexibility to accommodate both conventional and Islamic financing structures. When implementing this Loan Agreement, parties must ensure compliance with UAE Central Bank regulations, particularly regarding interest rates and banking practices. The document can be customized for various transaction types, from simple bilateral loans to complex syndicated facilities, while maintaining compliance with UAE legal requirements.
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1. Parties: Identification of the lender(s) and borrower(s) with full legal names and addresses
2. Background: Context of the loan arrangement and brief description of the transaction
3. Definitions: Definitions of key terms used throughout the agreement
4. Facility Details: Amount, purpose, and type of loan facility being provided
5. Conditions Precedent: Conditions that must be satisfied before the loan can be drawn
6. Drawdown Mechanics: Procedures and requirements for drawing down the loan
7. Interest and Fees: Interest rate, calculation method, payment dates, and applicable fees
8. Repayment Terms: Repayment schedule, prepayment provisions, and payment mechanics
9. Representations and Warranties: Statements of fact and assurances given by the borrower
10. Covenants: Positive and negative obligations of the borrower during the loan term
11. Events of Default: Circumstances that trigger default and lender's enforcement rights
12. Remedies: Lender's rights and remedies upon occurrence of an event of default
13. Governing Law and Jurisdiction: UAE law as governing law and jurisdiction for disputes
14. Notices: Process and requirements for formal communications between parties
15. Miscellaneous: Standard boilerplate provisions including amendments, waivers, and severability
1. Security: Required for secured loans - details of collateral and security arrangements
2. Guarantees: Required when third-party guarantees are part of the credit support
3. Islamic Finance Provisions: Required for Sharia-compliant loans - includes specific structural requirements
4. Syndication Provisions: Required for syndicated loans - includes mechanics for multiple lenders
5. Tax Provisions: Detailed tax provisions required for cross-border loans or complex structures
6. Currency Provisions: Required for multi-currency facilities or foreign currency loans
7. Assignment and Transfer: Detailed provisions required if loan is intended to be transferable
8. Agency Provisions: Required for syndicated loans with an administrative agent
9. Account Bank Provisions: Required when specific account maintenance and control requirements exist
1. Form of Drawdown Request: Standard form for borrower to request loan disbursement
2. Repayment Schedule: Detailed amortization or repayment schedule
3. Conditions Precedent Documents: List of required documents and conditions for initial drawdown
4. Security Details: Detailed description of security assets and perfection requirements
5. Fee Schedule: Detailed breakdown of all applicable fees and charges
6. Form of Compliance Certificate: Template for periodic compliance reporting by borrower
7. Authorized Signatories: List of persons authorized to act on behalf of each party
8. Notice Details: Detailed contact information for notices to all parties
9. Form of Transfer Certificate: Standard form for transferring loan participations if applicable
Relevant legal definitions
Clauses
Relevant Industries
Banking & Financial Services
Real Estate & Construction
Manufacturing & Industrial
Energy & Utilities
Healthcare
Retail & Consumer
Technology
Transportation & Logistics
Hospitality & Tourism
Education
Agriculture
Mining & Resources
Telecommunications
Media & Entertainment
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Corporate Banking
Credit
Operations
Islamic Banking
Corporate Finance
Documentation
Portfolio Management
Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Compliance Officer
Credit Risk Manager
Relationship Manager
Corporate Banking Officer
Financial Controller
Investment Manager
Corporate Finance Manager
Loan Officer
Credit Analyst
Legal Director
Company Secretary
Banking Operations Manager
Islamic Finance Specialist
Portfolio Manager
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