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The Promissory Note Loan Agreement is commonly used in Qatar's financial and commercial sectors when parties seek to combine the detailed terms of a loan agreement with the enhanced enforceability of a promissory note. This document type is particularly valuable in the Qatar market as it provides additional security to lenders through the promissory note component, which is considered a negotiable instrument under Qatar's Commercial Code. The agreement must comply with Qatar's Civil Code, Commercial Code, and banking regulations, including potential Sharia compliance requirements. It typically includes comprehensive loan terms, interest calculations (where applicable), repayment schedules, and default provisions, while the promissory note component provides a straightforward mechanism for enforcement. This structure is especially useful for corporate lending, commercial transactions, and structured finance arrangements in Qatar.

1. Parties: Identification of the Lender and Borrower with full legal names and addresses

2. Background: Brief context of the loan arrangement and purpose

3. Definitions: Key terms used throughout the agreement including 'Loan Amount', 'Interest Rate', 'Maturity Date', etc.

4. Loan Terms: Principal amount, currency, and disbursement details

5. Interest and Charges: Interest calculation method, payment schedule, and any permitted fees or charges in compliance with Qatar law

6. Promissory Note Terms: Specific terms related to the promissory note including issuance, form, and presentation requirements

7. Repayment Terms: Payment schedule, method of payment, and prepayment provisions

8. Representations and Warranties: Standard declarations by the Borrower regarding legal capacity, authority, and financial condition

9. Events of Default: Circumstances constituting default and consequences

10. Governing Law and Jurisdiction: Explicit reference to Qatar law and jurisdiction

11. Notices: Communication methods and contact details for formal notices

12. Execution: Signature blocks and execution requirements