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1. Parties: Identification of the lender (bank) and borrower, including their complete legal details and authorized representatives
2. Background: Context of the agreement, including the purpose of the loan and brief description of the building project
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount, purpose, and any tranches or staged disbursements
5. Interest and Fees: Details of interest rate, calculation method, fees, and charges
6. Disbursement Terms: Conditions precedent for disbursement and disbursement mechanism
7. Repayment Terms: Repayment schedule, method, and prepayment provisions
8. Security and Collateral: Details of security arrangements, including mortgage (Hak Tanggungan) and other collateral
9. Construction Requirements: Building specifications, standards, and compliance requirements
10. Representations and Warranties: Standard representations and warranties from both parties
11. Covenants: Positive and negative covenants relating to both loan and construction aspects
12. Events of Default: Circumstances constituting default and consequences
13. Monitoring and Reporting: Requirements for progress reporting and bank's monitoring rights
14. Governing Law and Jurisdiction: Specification of Indonesian law as governing law and jurisdiction details
15. Notices: Communication methods and contact details for formal notices
16. Miscellaneous: Standard boilerplate provisions including amendments, assignments, and severability
1. Insurance: Detailed insurance requirements if not covered in covenants - used when specific insurance arrangements are complex
2. Third Party Guarantees: Details of any third-party guarantees - included when additional guarantors are involved
3. Green Building Requirements: Specific environmental and sustainability requirements - used for green building projects
4. Contractor Requirements: Specific provisions relating to contractors - used when the bank requires control over contractor selection
5. Force Majeure: Detailed force majeure provisions - used when standard provisions need expansion
6. Step-in Rights: Bank's rights to take control of the project - used in larger commercial projects
7. Multiple Currency Provisions: Currency conversion and handling - used when loan involves multiple currencies
1. Schedule 1 - Building Plans and Specifications: Detailed technical specifications and approved building plans
2. Schedule 2 - Disbursement Schedule: Detailed breakdown of disbursement tranches and conditions
3. Schedule 3 - Repayment Schedule: Amortization table and repayment details
4. Schedule 4 - Construction Timeline: Detailed construction milestones and completion deadlines
5. Schedule 5 - Form of Progress Report: Template for required progress reports
6. Schedule 6 - Required Permits and Licenses: List of required regulatory approvals and permits
7. Schedule 7 - Security Documents: Forms of security documents and collateral agreements
8. Appendix A - Property Documents: Land certificates and property ownership documents
9. Appendix B - Insurance Requirements: Detailed insurance specifications and requirements
10. Appendix C - Contractor Documentation: Contractor credentials and agreements
Banking & Financial Services
Real Estate Development
Construction
Property Development
Infrastructure
Commercial Real Estate
Residential Development
Industrial Development
Architecture & Engineering
Insurance
Legal
Finance
Risk Management
Compliance
Property Development
Project Management
Credit Assessment
Construction Management
Real Estate
Banking Operations
Chief Financial Officer
Finance Director
Project Finance Manager
Construction Manager
Property Development Director
Legal Counsel
Risk Manager
Compliance Officer
Project Manager
Bank Relationship Manager
Credit Risk Officer
Construction Finance Specialist
Property Development Manager
Corporate Lawyer
Banking Operations Manager
Real Estate Finance Manager
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