The Credit Term Agreement is a fundamental financial document used in Malta when establishing formal lending arrangements between financial institutions and borrowers. It serves as the primary contract governing credit facilities, whether for corporate financing, business expansion, or other commercial purposes. The agreement must comply with Malta's robust financial services framework, including the Banking Act (Chapter 371), Consumer Credit Regulations, and relevant EU directives. This document typically includes comprehensive details about credit terms, interest calculations, security requirements, borrower obligations, and default provisions. It's particularly important in Malta's growing financial services sector, where clear and compliant credit documentation is essential for both domestic and international lending transactions.
Credit Term Agreement for Malta
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Key Requirements PROMPT example:
Credit Term Agreement
"I need a Credit Term Agreement for a 鈧2.5 million business loan to a Maltese technology company, with quarterly repayments over 5 years starting March 2025, secured by company assets and personal guarantees from directors."
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1. Parties: Identification of the credit provider and the borrower, including full legal names, registration numbers, and addresses
2. Background: Context of the credit agreement, relationship between parties, and purpose of the credit facility
3. Definitions: Definitions of key terms used throughout the agreement, including financial and technical terms
4. Credit Facility Details: Specific details of the credit facility including amount, purpose, and term
5. Interest and Fees: Interest rate (fixed or variable), calculation method, fees, charges, and total cost of credit
6. Repayment Terms: Repayment schedule, payment methods, and prepayment provisions
7. Conditions Precedent: Conditions that must be satisfied before the credit facility becomes available
8. Representations and Warranties: Statements of fact and assurances given by the borrower
9. Borrower Covenants: Ongoing obligations of the borrower during the term of the agreement
10. Events of Default: Circumstances that constitute default and their consequences
11. Security: Details of any security or guarantees required for the credit facility
12. Governing Law and Jurisdiction: Confirmation of Maltese law as governing law and jurisdiction for disputes
1. Insurance Requirements: Required when specific insurance coverage is mandatory for the credit facility
2. Additional Borrowers: Include when there are multiple borrowers or guarantors
3. Special Drawing Conditions: Used for credit facilities with multiple drawdown periods or special conditions
4. Set-off Rights: Include when the lender has the right to set off debts against other accounts
5. Assignment and Transfer: Include when either party may need to transfer rights under the agreement
6. Data Protection: Detailed section required when personal data processing goes beyond standard credit checking
7. Electronic Communications: Include when parties agree to use electronic communications for formal notices
1. Schedule 1 - Repayment Schedule: Detailed amortization table showing payment dates, amounts, and interest calculations
2. Schedule 2 - Fees and Charges: Comprehensive list of all applicable fees, charges, and their calculation methods
3. Schedule 3 - Conditions Precedent Documents: List of required documents and conditions to be met before drawdown
4. Schedule 4 - Drawing Notice Form: Template form for requesting drawdown under the credit facility
5. Schedule 5 - Security Documents: List and copies of security documents if applicable
6. Appendix A - Interest Rate Calculation Methodology: Detailed explanation of interest rate calculations and variables
7. Appendix B - Standard Terms and Conditions: General terms and conditions applicable to all credit facilities
Authors
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Commercial Real Estate
Retail
Manufacturing
Technology
Healthcare
Tourism and Hospitality
Import/Export
Construction
Professional Services
Transportation and Logistics
Relevant Teams
Legal
Finance
Compliance
Risk Management
Credit Operations
Corporate Banking
Treasury
Regulatory Affairs
Commercial Banking
Document Management
Relevant Roles
Credit Manager
Financial Controller
Legal Counsel
Compliance Officer
Risk Manager
Corporate Banker
Relationship Manager
Credit Analyst
Treasury Manager
Chief Financial Officer
Legal Director
Banking Operations Manager
Credit Risk Officer
Corporate Finance Manager
Regulatory Compliance Manager
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