The Loan Agreement is a fundamental document in lending transactions, used whenever one party provides financial accommodation to another with the expectation of repayment. This contract type is essential for documenting the obligations of both lender and borrower, protecting the interests of all parties involved, and ensuring compliance with applicable U.S. regulations. The agreement typically includes detailed terms about the loan amount, interest calculations, payment schedules, events of default, and remedies. It must comply with federal regulations such as the Truth in Lending Act, Equal Credit Opportunity Act, and state-specific usury laws. The complexity and specific provisions of the Loan Agreement can vary significantly depending on whether it's for consumer, commercial, or specialized lending purposes.
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1. Parties: Identifies lender and borrower with full legal names and addresses
2. Background: Context of the loan and relationship between parties
3. Definitions: Key terms used throughout the agreement
4. Loan Amount and Purpose: Principal amount and intended use of funds
5. Interest Rate: Interest rate, calculation method, and payment terms
6. Repayment Terms: Payment schedule, amounts, and methods
7. Events of Default: Circumstances constituting default and consequences
8. Representations and Warranties: Statements of fact by borrower
9. Governing Law: Jurisdiction governing the agreement
1. Security: Details of collateral and security arrangements for secured loans
2. Guarantees: Terms and conditions of third-party guarantees when applicable
3. Insurance Requirements: Specific insurance coverage requirements for secured loans or risk mitigation
4. Covenants: Ongoing obligations of the borrower, typically for commercial loans or larger amounts
1. Repayment Schedule: Detailed payment amounts and dates
2. Security Details: Comprehensive description of collateral and security arrangements
3. Disclosure Statement: Required disclosures under Truth in Lending Act (TILA)
4. Fee Schedule: Comprehensive list of applicable fees and charges
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