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Personal Loan Contract With Collateral

Personal Loan Contract With Collateral Template for Malaysia

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Key Requirements PROMPT example:

Personal Loan Contract With Collateral

"I need a Personal Loan Contract with Collateral for a RM150,000 loan secured by residential property in Kuala Lumpur, with a 5-year term starting March 1, 2025, including special provisions for early repayment without penalties."

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Document background
The Personal Loan Contract With Collateral is a crucial document used in Malaysian lending transactions where an individual borrower provides specific assets as security for a personal loan. This document is essential when financial institutions require additional security beyond the borrower's income and credit standing. It must comply with Malaysian banking regulations, particularly the Financial Services Act 2013 and the Contracts Act 1950. The agreement details the loan terms, describes the collateral, establishes the security interest, and outlines the rights and remedies of both parties. It's particularly important in situations where the loan amount is substantial or when the borrower's creditworthiness requires additional security measures. The document includes specific provisions for collateral valuation, maintenance, and enforcement procedures in accordance with Malaysian law.
Suggested Sections

1. Parties: Identification of the lender and borrower with complete details including name, ID/registration number, and address

2. Background: Context of the loan agreement, including the borrower's request for the loan and the lender's agreement to provide it subject to collateral

3. Definitions: Definitions of key terms used throughout the agreement

4. Loan Amount and Purpose: Specification of the loan amount, purpose, and disbursement details

5. Interest Rate and Charges: Details of interest rate, calculation method, and other applicable charges

6. Repayment Terms: Schedule of repayments, payment methods, and prepayment provisions

7. Collateral Details: Description of the collateral, its value, and conditions for maintenance

8. Security Arrangements: Terms regarding the creation, perfection, and maintenance of security interest in the collateral

9. Representations and Warranties: Standard declarations by the borrower regarding their capacity, authority, and financial condition

10. Events of Default: Circumstances constituting default and consequences thereof

11. Enforcement Rights: Lender's rights and remedies in case of default, including collateral disposal

12. General Provisions: Standard clauses including notices, amendments, governing law, and jurisdiction

Optional Sections

1. Insurance: Required when the collateral needs to be insured or when loan insurance is required

2. Guarantor Provisions: Included when there is a guarantor in addition to the collateral

3. Cross-Default: Used when the borrower has other loans or financial obligations with the lender

4. Assignment and Transfer: Included when the lender wants the right to assign or transfer the loan

5. Special Conditions: For any additional conditions specific to the particular loan or borrower

Suggested Schedules

1. Schedule 1 - Loan Details: Detailed breakdown of loan amount, interest rate, tenure, and repayment schedule

2. Schedule 2 - Collateral Description: Detailed description and valuation of the collateral, including any identifying numbers or marks

3. Schedule 3 - Fees and Charges: Comprehensive list of all applicable fees and charges

4. Appendix A - Repayment Schedule: Amortization table showing all scheduled repayments

5. Appendix B - Security Documents: List of all security documents executed in relation to the collateral

6. Appendix C - Condition Report: Current condition and valuation report of the collateral

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions








































Clauses




























Relevant Industries

Banking

Financial Services

Consumer Finance

Retail Banking

Asset Management

Wealth Management

Legal Services

Real Estate

Insurance

Relevant Teams

Legal

Credit

Risk Management

Compliance

Collections

Documentation

Client Relations

Operations

Loan Processing

Security Administration

Relevant Roles

Loan Officer

Credit Manager

Legal Counsel

Compliance Officer

Risk Manager

Credit Analyst

Banking Manager

Collections Manager

Relationship Manager

Document Controller

Contract Administrator

Mortgage Specialist

Security Documentation Officer

Industries







Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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