The Loan Purchase And Sale Agreement is a critical document used in Indonesian financial markets when one financial institution wishes to transfer loan assets to another. This document is particularly relevant in scenarios involving portfolio restructuring, strategic asset sales, or non-performing loan disposals. It must comply with specific Indonesian regulatory requirements, including OJK regulations and Bank Indonesia guidelines, while addressing both civil law and banking law considerations. The agreement typically covers single loans or loan portfolios and includes detailed provisions for the transfer of all associated rights, security interests, and obligations. It's essential for various transactions in the Indonesian banking sector, from routine loan trading to complex portfolio restructurings, and requires careful consideration of local regulatory notifications, approvals, and compliance requirements.
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1. Parties: Identifies the seller and purchaser of the loan(s), including their complete legal names, registration numbers, and addresses
2. Background: Explains the context of the transaction, including brief details about the original loan(s) and the parties' intention to transfer them
3. Definitions: Defines key terms used throughout the agreement, including technical banking terms and transaction-specific terminology
4. Sale and Purchase: Details the core transaction terms, including identification of loans being sold and purchase price
5. Purchase Price and Payment: Specifies the purchase price, payment method, timing, and any adjustments
6. Conditions Precedent: Lists conditions that must be satisfied before the transfer becomes effective
7. Completion: Details the completion process, including timing, location, and actions required from each party
8. Representations and Warranties: Sets out the seller's and purchaser's representations regarding their capacity, authority, and the loan assets
9. Seller's Covenants: Outlines the seller's ongoing obligations regarding the loans and transfer process
10. Transfer and Assignment: Specifies the legal mechanism for transferring the loans and related rights
11. Notice Requirements: Details requirements for notifying borrowers and other relevant parties about the transfer
12. Confidentiality: Establishes confidentiality obligations regarding the transaction and loan information
13. Costs and Expenses: Allocates responsibility for transaction costs, taxes, and related expenses
14. Governing Law and Jurisdiction: Specifies Indonesian law as governing law and sets jurisdiction for disputes
15. General Provisions: Includes standard boilerplate provisions like notices, amendments, and severability
1. Foreign Currency Provisions: Required when the loans are denominated in foreign currency, addressing exchange rate risks and Bank Indonesia requirements
2. Security Transfer: Needed when the loans are secured and security interests need to be transferred
3. Syndication Provisions: Required for syndicated loans, addressing consortium member rights and obligations
4. Regulatory Compliance: Special compliance requirements for specific types of loans or regulated entities
5. Data Protection: Enhanced data protection provisions when dealing with personal loans or consumer data
6. Anti-Money Laundering: Additional AML provisions for high-risk transactions or when required by regulators
7. Post-Completion Servicing: Required when the seller will continue servicing the loans after transfer
8. Step-In Rights: Optional provisions allowing purchaser to step into seller's position in certain circumstances
1. Schedule 1 - Loan Details: Detailed list of loans being transferred, including principal amounts, interest rates, and maturity dates
2. Schedule 2 - Form of Transfer Notices: Template notices to borrowers and other relevant parties regarding the transfer
3. Schedule 3 - Completion Requirements: Detailed checklist of documents and actions required for completion
4. Schedule 4 - Security Details: List of security interests, guarantees, and collateral associated with the loans
5. Schedule 5 - Due Diligence Results: Summary of due diligence findings and any identified issues
6. Appendix A - Loan Documentation: Copies of original loan agreements and related documentation
7. Appendix B - Regulatory Approvals: Copies of required regulatory approvals and licenses
8. Appendix C - Power of Attorney: Form of power of attorney for executing transfer documents
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Investment Management
Asset Management
Debt Collection
Legal Services
Private Equity
Insurance
Real Estate Finance
Corporate Finance
Special Situation Investments
Distressed Assets
Financial Technology
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Credit Administration
Portfolio Management
Investment
Asset Management
Loan Operations
Due Diligence
Regulatory Affairs
Transaction Management
Corporate Finance
Relevant Roles
Chief Financial Officer
Head of Treasury
Portfolio Manager
Credit Risk Manager
Legal Counsel
Compliance Officer
Investment Manager
Asset Manager
Director of Finance
Banking Operations Manager
Loan Operations Manager
Risk Assessment Officer
Transaction Manager
Corporate Finance Manager
Debt Collection Manager
Due Diligence Officer
Regulatory Compliance Manager
Portfolio Restructuring Specialist
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