A Loan Facility Letter is a fundamental banking document used when a financial institution extends credit to a borrower in Malta. It serves as both an offer letter and, upon acceptance, the primary agreement governing the loan relationship. The document must comply with Malta's robust financial services regulatory framework, including the Banking Act and Financial Institutions Act, while also adhering to civil law requirements and consumer protection regulations where applicable. The letter typically includes essential terms such as facility amount, interest rates, repayment schedule, security requirements, and conditions precedent. It's particularly important in the Maltese context due to the jurisdiction's specific requirements for documentation of financial arrangements and its growing role as a financial services hub in the European Union.
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1. Letter Header: Bank's letterhead, date, reference number, and addressee details
2. Salutation: Formal greeting to the borrower
3. Facility Overview: Brief introduction stating the bank's offer to provide the facility
4. Facility Amount and Type: Clear statement of the loan amount and type of facility being offered
5. Interest Rate and Fees: Detailed breakdown of interest rate, calculation method, and all applicable fees
6. Repayment Terms: Repayment schedule, payment methods, and prepayment provisions
7. Security Requirements: Details of any required security or guarantees
8. Conditions Precedent: Conditions that must be satisfied before the facility becomes available
9. Representations and Warranties: Standard declarations required from the borrower
10. Covenants: Ongoing obligations of the borrower during the facility term
11. Events of Default: Circumstances that would trigger default and bank's remedies
12. Acceptance: Instructions for accepting the facility offer and signature blocks
1. Purpose of Facility: Required when the loan must be used for a specific purpose
2. Facility Review: Include for facilities with periodic review requirements
3. Insurance Requirements: Required when specific insurance coverage must be maintained
4. Cross-Default Provisions: Include when the borrower has other facilities with the bank
5. Tax Provisions: Required for large commercial facilities or when tax implications need clarification
6. Assignment and Transfer: Include for larger facilities that may be syndicated or transferred
7. Regulatory Compliance: Required for regulated borrowers or specific industry requirements
1. Schedule 1 - Definitions: Detailed definitions of terms used in the facility letter
2. Schedule 2 - Repayment Schedule: Detailed breakdown of repayment dates and amounts
3. Schedule 3 - Fee Schedule: Comprehensive list of all applicable fees and charges
4. Schedule 4 - Conditions Precedent Checklist: Detailed list of required documents and conditions
5. Schedule 5 - Security Details: Specific requirements and forms for security documentation
6. Appendix A - Standard Terms and Conditions: Bank's standard terms and conditions for facilities
7. Appendix B - Direct Debit Mandate: Form for setting up automatic payments
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