The Credit Loan Agreement serves as the primary documentation for lending transactions in Singapore, establishing the legal framework for credit provision. It is commonly used by banks, financial institutions, and licensed moneylenders when extending credit to individuals or businesses. The agreement must comply with Singapore's robust regulatory framework, including the Moneylenders Act and MAS guidelines, which set strict requirements for interest rates, disclosure, and fair lending practices. The document typically includes comprehensive terms covering loan amount, interest calculations, repayment schedules, security arrangements, and enforcement mechanisms.
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1. Parties: Identification and details of lender and borrower
2. Background: Context of the loan arrangement and relationship between parties
3. Definitions: Key terms used throughout the agreement including interest rate calculations, payment periods, and default provisions
4. Loan Amount and Purpose: Specification of loan amount, drawdown conditions, and intended use of funds
5. Interest Rate and Calculations: Interest rate specifications, calculation methodology, and compliance with Moneylenders Act caps
6. Repayment Terms: Schedule, method, and conditions of repayment including payment dates and methods
7. Events of Default: Circumstances constituting default and consequences thereof
8. Representations and Warranties: Statements of fact and assurances by borrower regarding their capacity and financial condition
1. Security Provisions: Details of collateral or security arrangements, including creation and enforcement of security interests
2. Guarantor Provisions: Terms relating to guarantors including their obligations and enforcement rights
3. Insurance Requirements: Required insurance coverage for secured assets and assignment of policies
4. Prepayment Provisions: Terms and conditions for early repayment including any penalties or fees
1. Schedule 1 - Repayment Schedule: Detailed payment dates, amounts, and breakdown of principal and interest
2. Schedule 2 - Security Details: Comprehensive description of security/collateral including valuation and maintenance requirements
3. Schedule 3 - Conditions Precedent: List of conditions to be satisfied before loan disbursement
4. Schedule 4 - Fee Schedule: Breakdown of all applicable fees, charges, and computation methods
5. Schedule 5 - Insurance Requirements: Detailed insurance specifications including types of coverage, amounts, and insurers
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