The Loan With Collateral Agreement is essential for secured lending transactions in Singapore's financial market. This document is used when a lender requires security for a loan, whether in corporate financing, property lending, or asset-based lending. The agreement must comply with Singapore's robust financial regulatory framework, including the Moneylenders Act and Banking Act. It typically includes detailed provisions about the collateral, its valuation, maintenance, and the lender's rights to enforce against it in case of default. This type of agreement provides greater security for lenders while offering potentially better terms for borrowers compared to unsecured loans.
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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 under Singapore law
4. Loan Amount and Disbursement: Specification of loan amount, disbursement terms and conditions
5. Interest and Repayment: Interest rate, calculation method, repayment schedule in compliance with Singapore usury laws
6. Collateral: Description of security, perfection requirements, maintenance obligations
7. Representations and Warranties: Statements of fact and assurances from both parties
8. Events of Default: Circumstances constituting default and consequences
9. Enforcement Rights: Lender's rights and remedies upon default under Singapore law
10. Governing Law: Specification of Singapore law as governing law and jurisdiction
1. Insurance: Requirements for insuring collateral and maintaining insurance coverage
2. Security Trustee: Appointment and powers of security trustee for syndicated loans
3. Guarantees: Terms of any additional guarantees provided by third parties
4. Cross-Default: Provisions linking default to other agreements of the borrower
1. Repayment Schedule: Detailed payment dates and amounts over the loan term
2. Collateral Description: Detailed description and valuation of collateral assets
3. Form of Disbursement Request: Template for requesting loan disbursement
4. Security Documents: Related security agreements and perfection documents
5. Insurance Requirements: Detailed insurance specifications for collateral
6. Conditions Precedent Documents: List of required documents prior to disbursement
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