¶¶Òõ¶ÌÊÓƵ

1. Security: Required if the loan is secured against any assets, detailing the security arrangement

2. Guarantee: Include when a guarantor is providing additional security for the loan

3. Insurance Requirements: Include when insurance of secured assets or loan payments is required

4. Early Repayment: Include to specify terms and any fees for early loan repayment

5. Draw Down Conditions: Include for loans with specific conditions that must be met before funds are released

6. Special Conditions: Include when there are unique terms specific to this loan arrangement

7. Financial Covenants: Include for business loans requiring maintenance of specific financial ratios or conditions

1. Schedule 1 - Loan Details: Key financial terms including loan amount, interest rate, term, and payment schedule

2. Schedule 2 - Repayment Schedule: Detailed breakdown of payment dates and amounts

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

4. Schedule 4 - Security Details: Description of any secured assets and their valuation

5. Schedule 5 - Disclosure Statement: Mandatory disclosure information required under NZ consumer credit law

6. Appendix A - Direct Debit Authority: Form for setting up automatic payment arrangements

7. Appendix B - Guarantor Details: Information about guarantors if applicable