The Commercial Loan Agreement is essential for businesses seeking financing in Singapore's commercial environment. It serves as the primary document governing the relationship between lenders and commercial borrowers, outlining all material terms of the loan arrangement. This agreement must comply with Singapore's comprehensive regulatory framework, including the Banking Act, MAS guidelines, and relevant financial services legislation. It typically includes detailed provisions on facility limits, interest calculations, security requirements, representations and warranties, and events of default, ensuring both parties' interests are protected under Singapore law.
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1. Parties: Identification and details of the lender and borrower
2. Background: Context of the loan arrangement and relationship between parties
3. Definitions: Key terms used throughout the agreement including defined terms from relevant Singapore legislation
4. Facility Details: Loan amount, purpose, and drawdown conditions in compliance with Banking Act requirements
5. Interest and Fees: Interest rate, calculation method, and applicable fees in accordance with Civil Law Act provisions
6. Repayment Terms: Schedule and method of repayment including prepayment provisions
7. Representations and Warranties: Statements of fact and assurances by borrower including compliance with Companies Act requirements
8. Events of Default: Circumstances constituting default and consequences, including remedies under Singapore law
9. Governing Law: Singapore law as governing law and jurisdiction provisions
1. Security Arrangements: Details of collateral or guarantees, compliance with Securities and Futures Act if applicable
2. Insurance Requirements: Required insurance coverage for secured assets and assignment of insurance policies
3. Financial Covenants: Financial ratios and requirements to be maintained, particularly for regulated lending
4. Assignment and Transfer: Rights to assign or transfer the loan, subject to MAS regulations
5. Data Protection: Provisions relating to Personal Data Protection Act compliance
1. Drawdown Notice: Form for requesting loan disbursement with required certifications
2. Repayment Schedule: Detailed schedule of repayment dates and amounts
3. Security Documents: List and copies of security documentation required under Singapore law
4. Conditions Precedent: List of required documents and conditions before drawdown, including regulatory approvals
5. Fee Schedule: Detailed breakdown of all applicable fees and charges
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