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Lending Loan Agreement
"I need a Lending Loan Agreement for a Rp 5 billion business loan from Bank Central Asia to my manufacturing company, with quarterly repayments over 3 years starting March 2025, secured by company equipment and inventory."
1. Parties: Identification of the lender and borrower with complete legal names and addresses
2. Background: Context of the loan agreement, relationship between parties, and purpose of the loan
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount, currency, and permitted use of funds
5. Interest Rate and Calculation: Details of interest rate, calculation method, and payment frequency
6. Disbursement Terms: Conditions precedent and process for loan disbursement
7. Repayment Terms: Schedule of repayments, payment methods, and prepayment provisions
8. Security and Collateral: Description of assets provided as security and perfection requirements
9. Representations and Warranties: Statements of fact and assurances from the borrower
10. Covenants: Positive and negative obligations of the borrower during the loan term
11. Events of Default: Circumstances constituting default and consequences thereof
12. Taxes and Costs: Allocation of tax liabilities and transaction costs
13. Notices: Communication methods and contact details for formal notices
14. Governing Law and Jurisdiction: Specification of Indonesian law as governing law and jurisdiction for disputes
15. Execution: Signature blocks and execution requirements
1. Guarantor Provisions: Include when there is a third-party guarantor for the loan
2. Insurance Requirements: Include when specific insurance coverage is required for secured assets
3. Special Drawing Conditions: Include for staged disbursements or special conditions for drawings
4. Currency Provisions: Include for loans involving foreign currency or multiple currencies
5. Assignment and Transfer: Include when transfer rights are granted to either party
6. Force Majeure: Include when specific force majeure provisions are needed beyond standard provisions
7. Appointment of Agent: Include in syndicated loans or when an agent is appointed
8. Environmental Compliance: Include for business loans where environmental compliance is relevant
1. Repayment Schedule: Detailed amortization table showing payment dates and amounts
2. Security Details: Detailed description and documentation of collateral assets
3. Conditions Precedent Checklist: List of documents and conditions required before disbursement
4. Form of Drawdown Notice: Template for requesting loan disbursements
5. Insurance Requirements: Detailed insurance specifications for secured assets
6. Permitted Security Interests: List of pre-approved security interests on borrower assets
7. Financial Covenants Calculations: Formulas and methods for calculating financial covenants
8. Form of Compliance Certificate: Template for periodic compliance certification
Authors
Banking and Financial Services
Real Estate
Manufacturing
Agriculture
Mining
Technology
Retail
Construction
Infrastructure
Transportation
Healthcare
Education
Hospitality
Energy
Telecommunications
Legal
Finance
Compliance
Risk Management
Credit Analysis
Treasury
Corporate Banking
Operations
Due Diligence
Documentation
Regulatory Affairs
Chief Financial Officer
Finance Director
Legal Counsel
Compliance Officer
Credit Risk Manager
Loan Officer
Corporate Banker
Treasury Manager
Financial Controller
Legal Director
Banking Operations Manager
Credit Analyst
Relationship Manager
Risk Assessment Officer
Corporate Secretary
Banking Attorney
Financial Analyst
Due Diligence Officer
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