A Loan Agreement with Security is a fundamental document in secured financing transactions under Indonesian law. It is typically used when a lender requires security over the borrower's assets as collateral for a loan, providing the lender with preferential rights over secured assets in case of default. The agreement must comply with Indonesian civil law principles and specific regulations governing security interests, including registration requirements with relevant authorities. This document is essential for both domestic and cross-border lending transactions, requiring careful consideration of Indonesian banking regulations, security perfection requirements, and enforcement procedures. The agreement typically includes detailed provisions on the security package, which may comprise various types of security interests recognized under Indonesian law, such as fiduciary security, land mortgages, pledges, or hypothecs.
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1. Parties: Identification of the lender and borrower with complete legal names and addresses
2. Background: Context of the loan arrangement and security provision
3. Definitions and Interpretation: Definitions of key terms and interpretation rules
4. The Facility: Loan amount, purpose, and availability
5. Interest: Interest rate, calculation method, and payment terms
6. Repayment: Repayment schedule, prepayment terms, and payment mechanics
7. Security: Description of security assets and creation of security interest
8. Representations and Warranties: Standard and transaction-specific representations
9. Covenants: Positive and negative undertakings of the borrower
10. Events of Default: Circumstances constituting default and consequences
11. Security Enforcement: Rights and procedures for enforcing security under Indonesian law
12. Costs and Expenses: Allocation of transaction costs and enforcement expenses
13. Notices: Communication methods and contact details
14. Governing Law and Jurisdiction: Indonesian law as governing law and jurisdiction provisions
1. Tax Provisions: Include when cross-border element exists or specific tax arrangements needed
2. Currency Provisions: Required for foreign currency loans, addressing exchange rate risks
3. Multiple Lenders: Required when more than one lender is involved
4. Security Agent: Include when security is held by an agent on behalf of multiple lenders
5. Registration Requirements: Detailed registration obligations for specific security types
6. Insurance: Required when secured assets must be insured
7. Guarantee: Include when third-party guarantee is part of security package
8. Assignment and Transfer: Include when loan/security rights may be transferred
1. Conditions Precedent: List of required documents and conditions before loan drawdown
2. Repayment Schedule: Detailed amortization schedule if installment repayment
3. Security Assets Schedule: Detailed description of all assets subject to security
4. Form of Drawdown Notice: Template for borrower to request loan disbursement
5. Security Documents: Forms of specific security documents required under Indonesian law
6. Insurance Requirements: Details of required insurance coverage for secured assets
7. Financial Covenants: Detailed financial ratios and calculations
8. Form of Transfer Certificate: Template for transferring loan/security rights if applicable
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Real Estate
Manufacturing
Infrastructure
Energy
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Agriculture
Construction
Retail
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Healthcare
Transportation
Hospitality
Relevant Teams
Legal
Finance
Treasury
Compliance
Risk Management
Credit
Corporate Secretariat
Banking
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Relevant Roles
Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Corporate Lawyer
Compliance Officer
Risk Manager
Credit Manager
Loan Officer
Security Trustee
Corporate Secretary
Financial Controller
Banking Relationship Manager
Investment Manager
Chief Legal Officer
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