The Bank Loan Agreement is a fundamental financial instrument used in Austrian banking transactions when a financial institution provides credit to individuals or businesses. This document is essential for any lending arrangement in Austria, whether for personal loans, business expansion, real estate purchases, or other financing needs. The agreement must comply with Austrian banking regulations, including the Banking Act (BWG), Consumer Credit Act (VKrG) for consumer loans, and relevant EU directives. It typically contains detailed provisions on loan disbursement, interest calculation, repayment terms, security requirements, events of default, and remedies. The document's structure and content are designed to protect both the lender's interests in securing repayment and the borrower's rights under Austrian consumer protection laws.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Your data doesn't train Genie's AI
You keep IP ownership聽of your docs
1. Parties: Identification of the lender (bank) and borrower(s), including full legal names, registration numbers, and addresses
2. Background: Context of the loan agreement, purpose of the loan, and any relevant preliminary discussions or arrangements
3. Definitions: Definitions of key terms used throughout the agreement
4. Facility Details: Loan amount, currency, purpose, and availability period
5. Interest: Interest rate (fixed or variable), calculation method, payment dates, and default interest provisions
6. Repayment Terms: Repayment schedule, installment amounts, and payment methods
7. Conditions Precedent: Conditions that must be satisfied before the loan is made available
8. Representations and Warranties: Borrower's confirmations regarding their legal status, capacity, and financial condition
9. Borrower Covenants: Ongoing obligations of the borrower during the loan term
10. Events of Default: Circumstances that would allow the bank to terminate the loan and demand immediate repayment
11. Bank's Rights and Remedies: Actions the bank can take in case of default or breach
12. Fees and Costs: All applicable fees, charges, and cost allocation
13. Communications: Methods and requirements for formal notices between parties
14. Data Protection: GDPR compliance provisions and data handling procedures
15. Governing Law and Jurisdiction: Confirmation of Austrian law governance and jurisdiction for disputes
1. Security Arrangements: Required for secured loans - details of collateral, guarantees, or other security
2. Insurance Requirements: Required when specific insurance coverage is mandatory for the loan
3. Special Drawing Conditions: Used for loans with multiple tranches or special drawing requirements
4. Financial Covenants: Required for corporate loans with financial performance requirements
5. Tax Provisions: Detailed tax clauses when complex tax implications exist
6. Co-Borrowers: Required when multiple borrowers are involved
7. Assignment and Transfer: Required when loan transferability is permitted
8. Currency Conversion: Required for multi-currency facilities or foreign currency loans
1. Repayment Schedule: Detailed amortization table showing payment dates and amounts
2. Conditions Precedent Documents: List of required documents and evidence to be provided before drawdown
3. Form of Drawdown Notice: Template for requesting loan disbursements
4. Security Documents: Forms and details of security arrangements
5. Fee Schedule: Detailed breakdown of all applicable fees and charges
6. Interest Calculation Examples: Illustrations of interest calculations under various scenarios
7. Required Insurance Coverage: Details of mandatory insurance requirements
8. Form of Compliance Certificate: Template for periodic compliance reporting
Find the exact document you need
Business Loan Agreement Form
An Austrian law-governed agreement establishing terms for a business loan between a financial institution and a business entity.
Download
Standard Loan Agreement Form
Austrian law-governed standard loan agreement template for institutional lending, compliant with ABGB and BWG requirements.
Download
Loan Waiver Agreement
An Austrian law-governed agreement documenting a lender's waiver of their right to collect an outstanding loan amount, either partially or in full.
Download
Loan Term Sheet
An Austrian law-governed preliminary document outlining key commercial and legal terms for a proposed loan facility, serving as the basis for the final loan agreement.
Download
Money Loan Agreement
An Austrian law-governed agreement establishing terms and conditions for a monetary loan between lender and borrower, including loan amount, interest, repayment terms, and security arrangements.
Download
Employee Loan Agreement Interest
Austrian law-governed agreement establishing terms for an employer-provided loan to an employee, including interest and repayment provisions.
Download
Overagreement
An Austrian law-governed framework agreement establishing general terms and conditions for future specific contracts between parties.
Download
Inter Corporate Loan Agreement
An Austrian law-governed agreement establishing loan terms between corporate entities, including financial terms, security arrangements, and regulatory compliance requirements.
Download
Simple Convertible Loan Agreement
An Austrian law-governed agreement providing for a loan that can convert into equity shares, typically used for startup financing and bridge funding rounds.
Download
Interest Loan Agreement
An Austrian law-governed agreement establishing terms for an interest-bearing loan, including principal, interest rates, and repayment conditions.
Download
Personal Loan Repayment Agreement
An Austrian law-governed agreement establishing terms and conditions for personal loan repayment between lender and borrower.
Download
Loan For Use Contract
An Austrian law agreement where one party allows another to temporarily use an item without charge, subject to return conditions under ABGB regulations.
Download
Loan Agreement Between Director And Company
An Austrian law-governed loan agreement between a company director and their company, setting out loan terms and ensuring compliance with Austrian corporate law requirements.
Download
No Loan Agreement
An Austrian law-governed agreement documenting that a financial arrangement between parties does not constitute a loan relationship.
Download
Mortgage Loan Contract
An Austrian law-governed agreement establishing terms for a property-secured loan, compliant with local banking and mortgage regulations.
Download
Fixed Sum Loan Agreement
An Austrian law-governed agreement for a fixed sum loan with specified terms, interest rates, and repayment schedule.
Download
Person To Person Loan Agreement
An Austrian law-governed loan agreement between private individuals, establishing terms for personal lending in compliance with the ABGB.
Download
Mortgage Agreement
An Austrian law-governed agreement creating a security interest in real property as collateral for a loan, requiring Land Registry registration.
Download
Home Loan Agreement
An Austrian-law governed Home Loan Agreement establishing terms and conditions for a property-secured loan, compliant with Austrian banking and consumer protection regulations.
Download
Finance Agreement
An Austrian law-governed agreement establishing terms and conditions for financial facilities between lender and borrower, compliant with Austrian banking and civil law requirements.
Download
Cash Loan Contract
An Austrian law-governed agreement documenting the terms of a cash loan between lender and borrower, including repayment and interest terms.
Download
Car Payment Agreement
An Austrian law-compliant agreement establishing terms and payment schedule for vehicle purchase, including ownership transfer conditions and party obligations.
Download
Bank Loan Agreement
An Austrian-law governed agreement between a bank and borrower establishing terms for a loan facility, including amount, interest, repayment, and security arrangements.
Download
Private Money Lender Contract
An Austrian law-governed agreement establishing terms and conditions for private lending arrangements, ensuring compliance with Austrian civil and banking regulations.
Download
Building Loan Contract
An Austrian law-governed loan agreement between a building society and borrower for property financing, subject to the Bausparkassengesetz and banking regulations.
Download
Car Loan Contract Between Friends
An Austrian-law governed car loan agreement template for use between friends, covering vehicle financing terms and maintenance responsibilities.
Download
Loan Agreement Between Lender Borrower And Guarantor
An Austrian law-governed agreement establishing loan terms between lender, borrower, and guarantor, including loan conditions and guarantee obligations.
Download
Mortgage Agreement Form
Austrian law-compliant Mortgage Agreement Form establishing terms for a property-secured loan arrangement with associated land register requirements.
Download
Joint Loan Agreement
An Austrian law agreement establishing terms for multiple borrowers to jointly obtain and be liable for a loan, compliant with Austrian banking and civil law requirements.
Download
Cash Advance Loan Agreement
Austrian law-governed loan agreement for cash advances, incorporating mandatory consumer protection provisions and banking regulations.
Download
Default Loan Agreement
An Austrian law-governed loan agreement template establishing standard lending terms between a financial institution and borrower, compliant with Austrian banking and civil laws.
Download
Parallel Loan Agreement
An Austrian law-governed agreement establishing terms for multiple lenders to provide coordinated parallel loans to a single borrower.
Download
Mortgage Purchase Contract
Austrian law agreement for the transfer of mortgage rights between parties, including necessary provisions for land register registration and regulatory compliance.
Download
Loan Contract With Collateral
An Austrian law-governed agreement establishing a secured loan facility with detailed collateral arrangements and enforcement provisions.
Download
Loan Lease Agreement
An Austrian law-governed agreement combining loan financing and lease arrangements for assets, structured under Austrian civil and banking regulations.
Download
Memorandum Of Understanding For Loan Agreement
A preliminary document under Austrian law outlining proposed loan terms and conditions, serving as a framework for negotiating and finalizing a formal loan agreement.
Download
Personal Loan Contract Between Friends
An Austrian law-governed contract formalizing a personal loan agreement between individuals who have a personal relationship, establishing loan terms and repayment conditions.
Download
Directors Loan Agreement
An Austrian law-governed agreement setting out terms and conditions for a loan between a company and its director, including loan amount, interest, and repayment terms.
Download
Interest Bearing Loan Agreement
Austrian law-governed agreement setting out terms for an interest-bearing loan, including principal, interest, repayment, and security provisions.
Download
Consent To Mortgage Form
An Austrian legal document providing formal authorization for mortgage registration in the Land Registry (Grundbuch), subject to Austrian property and banking laws.
Download
骋别苍颈别鈥檚 Security Promise
Genie is the safest place to draft. Here鈥檚 how we prioritise your privacy and security.
Your documents are private:
We do not train on your data; 骋别苍颈别鈥檚 AI improves independently
All data stored on Genie is private to your organisation
Your documents are protected:
Your documents are protected by ultra-secure 256-bit encryption
We are ISO27001 certified, so your data is secure
Organizational security:
You retain IP ownership of your documents and their information
You have full control over your data and who gets to see it
.png)