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Promissory Note For Personal Loan

Promissory Note For Personal Loan Template for Ireland

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Key Requirements PROMPT example:

Promissory Note For Personal Loan

"I need a Promissory Note For Personal Loan to document a €25,000 family loan from my father, with monthly repayments over 3 years starting March 2025, including a 3% annual interest rate."

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Document background
The Promissory Note For Personal Loan is a crucial legal document used in Irish lending practices when individuals engage in personal loan arrangements. It serves as a legally binding promise to repay a specific sum of money under defined terms and conditions. This document type is particularly relevant when formalizing personal loans between parties, whether in a private capacity or through financial institutions. The note must comply with Irish law, including the Consumer Credit Act 1995 and European Communities (Consumer Credit Agreements) Regulations 2010, ensuring proper consumer protection and legal enforceability. It includes essential elements such as loan amount, interest rate, payment terms, and default provisions, providing security for the lender while clearly outlining the borrower's obligations.
Suggested Sections

1. Heading and Date: Title of document as 'Promissory Note' with the date of execution

2. Parties: Full legal names and addresses of the lender and borrower

3. Promise to Pay: Clear statement of the unconditional promise to pay, including the principal amount in both numbers and words

4. Loan Terms: Interest rate, payment schedule, and maturity date

5. Payment Details: Method of payment, payment location or account details, and currency

6. Default Provisions: Consequences of missing payments and definition of events of default

7. Governing Law: Statement that the note is governed by Irish law

8. Signature Block: Space for signatures of borrower and witness, with date

Optional Sections

1. Security: Details of any collateral securing the loan, used when the loan is secured

2. Guarantor Provisions: Terms relating to guarantors, included when there is a third-party guarantee

3. Prepayment Terms: Conditions for early repayment, included when early repayment is allowed with specific terms

4. Late Payment Fees: Specific penalties for late payments, included when additional fees will be charged

5. Assignment Clause: Terms regarding the transfer of the note, included when the note may be assigned to other parties

Suggested Schedules

1. Schedule A - Payment Schedule: Detailed amortization schedule showing payment dates, amounts, and breakdown of principal and interest

2. Schedule B - Security Details: Detailed description of any collateral or security (if applicable)

3. Appendix 1 - Definitions: Definitions of key terms used in the promissory note, if needed for clarity

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions
























Clauses




















Relevant Industries

Financial Services

Banking

Private Lending

Credit Unions

Legal Services

Consumer Finance

Wealth Management

Personal Banking

Microfinance

Relevant Teams

Legal

Credit Operations

Compliance

Risk Management

Personal Banking

Collections

Documentation

Consumer Finance

Private Client Services

Loan Administration

Relevant Roles

Legal Counsel

Loan Officer

Credit Manager

Financial Advisor

Compliance Officer

Risk Manager

Personal Banking Manager

Debt Collection Officer

Legal Administrator

Documentation Specialist

Consumer Credit Officer

Private Client Manager

Industries







Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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