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Investment Loan Agreement Template
"I need an Investment Loan Agreement Template under UAE law for a AED 50 million Sharia-compliant facility to finance a real estate development project in Dubai, with drawdown scheduled for March 2025 and including provisions for construction phase monitoring."
1. Parties: Identification of the lender, borrower, and any guarantors with their full legal names and addresses
2. Background: Context of the investment loan, purpose, and any relevant preliminary discussions or arrangements
3. Definitions and Interpretation: Detailed definitions of terms used throughout the agreement and rules of interpretation
4. The Facility: Details of the loan amount, purpose, and any tranching arrangements
5. Conditions Precedent: Prerequisites that must be satisfied before the loan can be drawn
6. Drawdown: Procedures and requirements for drawing down the loan
7. Interest: Interest rate, calculation method, payment dates, and default interest provisions
8. Repayment: Terms and schedule for repayment of the loan
9. Prepayment: Conditions and procedures for early repayment
10. Representations and Warranties: Statements of fact and assurances given by the borrower
11. Covenants: Positive and negative obligations of the borrower during the loan term
12. Events of Default: Circumstances constituting default and consequences
13. Security: Details of any security or collateral securing the loan
14. Costs and Expenses: Allocation of costs related to the loan and its administration
15. Notices: Communication procedures between parties
16. Assignment and Transfer: Rules regarding transfer of rights and obligations
17. Governing Law and Jurisdiction: Specification of UAE law as governing law and jurisdiction for disputes
1. Sharia Compliance: Required for Islamic financing structures, detailing compliance with Sharia principles
2. Syndication Provisions: Required for loans that may be syndicated to multiple lenders
3. Investment Conditions: Specific conditions relating to the investment purpose of the loan
4. Currency Provisions: Required for multi-currency facilities or where currency conversion is relevant
5. Tax Provisions: Detailed tax arrangements where cross-border elements exist
6. Political Risk Insurance: Required for large international investments or specific high-risk sectors
7. Environmental Compliance: Required for investments in sectors with environmental impact
8. Step-In Rights: Required for project finance or specific investment scenarios
1. Schedule 1 - Conditions Precedent: Detailed list of all required conditions precedent documents
2. Schedule 2 - Form of Drawdown Notice: Template for borrower to request loan disbursement
3. Schedule 3 - Repayment Schedule: Detailed amortization schedule if applicable
4. Schedule 4 - Form of Compliance Certificate: Template for periodic compliance certification
5. Schedule 5 - Security Documents: List and copies of all security documents
6. Schedule 6 - Permitted Investments: Detailed list of approved investment categories if applicable
7. Schedule 7 - Financial Covenants: Detailed financial ratios and calculations
8. Appendix A - Form of Legal Opinions: Template legal opinions required from counsel
9. Appendix B - Know Your Customer Requirements: List of required KYC documentation under UAE law
Authors
Banking and Financial Services
Real Estate and Construction
Infrastructure Development
Technology and Innovation
Healthcare
Education
Manufacturing
Retail and Consumer
Energy and Utilities
Telecommunications
Hospitality and Tourism
Transport and Logistics
Legal
Finance
Credit Risk
Compliance
Treasury
Corporate Banking
Investment Banking
Project Finance
Islamic Banking
Operations
Chief Financial Officer
Finance Director
Legal Counsel
Investment Manager
Corporate Banker
Relationship Manager
Credit Risk Manager
Compliance Officer
Treasury Manager
Investment Analyst
Corporate Finance Manager
Managing Director
Senior Banker
Project Finance Manager
Transaction Manager
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