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A Letter of Intent Bank Loan is commonly used in the United Arab Emirates as a preliminary step in the loan application and approval process. It serves as a formal expression of interest from a financial institution to provide financing to a potential borrower. The document is typically issued after initial discussions and preliminary assessment of the borrower's requirements and creditworthiness, but before detailed due diligence and final loan documentation. While non-binding in nature, it provides a framework for further negotiations and sets out key commercial terms such as proposed facility amount, tenure, pricing, and main conditions. The document must align with UAE banking regulations and may need to consider both conventional and Islamic banking principles. It is particularly important in complex financing transactions where parties need to demonstrate serious intent before investing significant resources in due diligence and documentation.

1. Bank Details and Date: Full legal name and address of the issuing bank, and date of the letter

2. Addressee Details: Full legal name and address of the potential borrower

3. Purpose Statement: Clear statement that this is a Letter of Intent regarding a proposed loan facility

4. Proposed Loan Terms: Key financial terms including proposed amount, tenure, and indicative interest rate/profit rate

5. Conditions Precedent: Key conditions that must be met before the bank will proceed with the loan

6. Non-Binding Statement: Clear statement that the letter is non-binding and subject to final documentation

7. Validity Period: Period for which the indicated terms remain valid

8. Confidentiality: Statement regarding confidentiality of the terms and discussions

9. Governing Law: Statement that the letter is governed by UAE law

10. Signature Block: Space for authorized bank signatory's name, title, and signature