The Personal Loan Agreement is a fundamental document used in Belgian consumer lending transactions to formalize the lending relationship between a financial institution or private lender and an individual borrower. It serves as the primary contract documenting the terms of the loan, including essential elements required by Belgian law such as the Annual Percentage Rate (APR), repayment schedule, and consumer rights. The agreement must comply with strict Belgian consumer protection regulations, including the Consumer Credit Act and relevant EU directives. This document is particularly important in the Belgian context as it must incorporate specific local requirements such as language laws (potentially requiring versions in French, Dutch, or German depending on the region), mandatory cooling-off periods, and maximum interest rate restrictions. The agreement is designed to protect both the lender's interests in securing repayment and the borrower's rights under Belgian consumer protection legislation.
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1. Parties: Identification of the Lender and Borrower with full legal names and addresses
2. Background: Brief context of the loan request and relationship between parties
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount and intended use of funds
5. Interest Rate and APR: Clear statement of interest rate, APR, and calculation method as required by Belgian law
6. Repayment Terms: Details of repayment schedule, payment amounts, and payment methods
7. Consumer Rights: Mandatory section outlining consumer protections under Belgian law, including cooling-off period
8. Default and Consequences: Conditions constituting default and resulting consequences
9. Representations and Warranties: Basic declarations by the borrower regarding their capacity to enter into the agreement
10. Term and Termination: Duration of the agreement and conditions for early termination
11. Notices: How formal communications between parties should be made
12. Governing Law: Confirmation of Belgian law as governing law and jurisdiction
13. Execution: Signature blocks and date of agreement
1. Security: Required if the loan is secured by any assets or guarantees
2. Insurance Requirements: Include if borrower must maintain specific insurance coverage
3. Early Repayment: Details of early repayment options and any associated fees or calculations
4. Co-signer Provisions: Required if there is a co-signer or guarantor for the loan
5. Purpose Restrictions: Include if there are specific restrictions on how loan funds may be used
6. Data Protection: Detailed GDPR compliance section if extensive personal data processing is involved
1. Schedule 1 - Repayment Schedule: Detailed amortization table showing payment dates, amounts, and interest allocation
2. Schedule 2 - Fee Schedule: Comprehensive list of all applicable fees and charges
3. Schedule 3 - Direct Debit Authorization: If applicable, direct debit payment authorization forms
4. Appendix A - Standard European Consumer Credit Information: Mandatory standardized information sheet required under EU consumer credit regulations
5. Appendix B - Withdrawal Form: Standard form for exercising the right of withdrawal during cooling-off period
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