The Loan Confirmation Certificate is a critical document in Canadian lending practices that serves as formal confirmation of the terms agreed upon between a lender and borrower. It is typically issued following the approval of a loan application and the completion of necessary due diligence. The certificate details essential loan information including the principal amount, interest rate, repayment schedule, and any security arrangements. This document is particularly important in the Canadian context as it helps ensure compliance with federal legislation such as the Interest Act and provincial consumer protection laws. The Loan Confirmation Certificate is commonly used in conjunction with master loan agreements or as standalone documentation for simpler loan arrangements, providing clear evidence of the loan terms and conditions while meeting regulatory requirements for loan documentation.
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1. Date and Reference Number: The date of the confirmation certificate and any relevant reference numbers for the loan
2. Parties: Identification of the lender and borrower, including full legal names and addresses
3. Reference to Master Agreement: Reference to any master loan agreement or facility agreement under which this loan is being made
4. Loan Details: Key terms of the loan including principal amount, currency, and purpose
5. Interest Rate: Specification of the interest rate, including whether it's fixed or floating, and the calculation method
6. Payment Terms: Repayment schedule, payment amounts, and payment methods
7. Drawdown Details: The date and method of advancing the loan funds
8. Confirmations: Standard confirmations including that conditions precedent have been met
9. Signature Block: Space for authorized signatures from both parties
1. Security Details: Include when the loan is secured, specifying the nature and terms of the security
2. Guarantor Details: Include when there is a guarantor for the loan
3. Special Conditions: Any special conditions or covenants specific to this loan
4. Regulatory Disclosures: Additional disclosures required by applicable laws depending on the nature of the borrower and the purpose of the loan
5. Fee Schedule: Include when there are multiple fees or complex fee arrangements that need to be detailed
6. Insurance Requirements: Include when specific insurance must be maintained by the borrower
1. Repayment Schedule: Detailed schedule of repayment dates and amounts, particularly for term loans with multiple payments
2. Fee Schedule: Detailed breakdown of all applicable fees and charges
3. Conditions Precedent Checklist: List confirming all required conditions have been met before drawdown
4. Security Details: Details of any security or collateral provided for the loan
5. Required Forms: Any standard forms required by the lender or regulatory authorities that form part of the loan documentation
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