The Official Loan Agreement serves as a legally binding document used in Malaysia to formalize lending arrangements between parties, whether they are financial institutions, corporations, or individuals. This document is essential when establishing formal credit facilities and must comply with Malaysian banking and financial services regulations, including the Financial Services Act 2013, Moneylenders Act 1951, and Contracts Act 1950. The agreement typically includes detailed terms covering loan amount, interest calculations, repayment schedules, security arrangements, events of default, and remedies available to the lender. It's particularly important for regulated lending activities in Malaysia and requires careful attention to local legal requirements, including proper stamping under the Stamp Act 1949 to ensure enforceability.
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1. Parties: Identification and details of the lender and borrower, including registration numbers for companies or IC numbers for individuals
2. Background: Context of the loan arrangement and brief description of the purpose
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specific amount being lent and permitted usage of the loan funds
5. Interest Rate and Calculations: Interest rate, calculation method, and payment periods
6. Repayment Terms: Schedule of repayments, payment methods, and prepayment provisions
7. Conditions Precedent: Conditions that must be satisfied before the loan is disbursed
8. Representations and Warranties: Statements of fact and assurances given by the borrower
9. Covenants: Positive and negative obligations of the borrower during the loan term
10. Events of Default: Circumstances that constitute default and consequences thereof
11. Fees and Expenses: All charges, fees, and costs associated with the loan
12. Notices: Process and addresses for formal communications between parties
13. Governing Law and Jurisdiction: Specification of Malaysian law as governing law and jurisdiction for disputes
1. Security Arrangements: Details of any collateral or security provided - include when loan is secured
2. Guarantee Provisions: Terms of any guarantee - include when there are guarantors
3. Insurance Requirements: Required insurance coverage for secured assets - include for secured loans
4. Assignment and Transfer: Rights to assign or transfer the loan - include for transferable loans
5. Change of Circumstances: Provisions for material changes affecting the loan - include for longer-term loans
6. Set-off Rights: Bank's right to set off against other accounts - include for financial institution lenders
7. Multiple Borrowers: Joint and several liability provisions - include when there are multiple borrowers
1. Schedule 1 - Loan Details: Detailed breakdown of loan amount, interest rates, and payment schedule
2. Schedule 2 - Conditions Precedent Documents: List of required documents and conditions to be met before disbursement
3. Schedule 3 - Repayment Schedule: Detailed amortization table showing payment dates and amounts
4. Schedule 4 - Security Details: Description of security or collateral (if applicable)
5. Schedule 5 - Forms: Standard forms for drawdown requests, notices, or other regular communications
6. Schedule 6 - Fees Schedule: Detailed breakdown of all applicable fees and charges
7. Appendix A - Calculation Examples: Examples of interest calculations and payment scenarios
Relevant legal definitions
Clauses
Relevant Industries
Banking and Financial Services
Real Estate
Manufacturing
Construction
Retail
Technology
Agriculture
Healthcare
Education
Transportation
Energy
Telecommunications
Professional Services
Relevant Teams
Legal
Finance
Compliance
Risk Management
Treasury
Credit Administration
Corporate Banking
Operations
Company Secretarial
Business Development
Relevant Roles
Chief Financial Officer
Finance Director
Legal Counsel
Compliance Officer
Credit Manager
Loan Officer
Risk Manager
Corporate Banker
Financial Controller
Treasury Manager
Company Secretary
Legal Director
Banking Relationship Manager
Credit Analyst
Financial Analyst
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