The Line of Credit Loan Agreement is a fundamental financial instrument used in New Zealand's lending landscape, designed to provide flexible access to credit for both business and individual borrowers. This agreement is particularly suitable when a borrower requires ongoing access to funds rather than a one-time loan disbursement. The document encompasses all essential elements required by New Zealand law, including CCCFA compliance, disclosure requirements, and responsible lending obligations. It establishes the framework for the credit facility, including the credit limit, drawdown mechanisms, interest calculations, repayment terms, and any security arrangements. The agreement can be customized to suit various lending scenarios while maintaining compliance with New Zealand's regulatory requirements, making it a versatile tool for financial institutions and borrowers alike.
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1. Parties: Identifies and defines the Lender and Borrower with full legal names and addresses
2. Background: Explains the context of the agreement and the parties' intention to enter into a line of credit arrangement
3. Definitions and Interpretation: Defines key terms used throughout the agreement and sets out interpretation rules
4. Facility Details: Specifies the credit limit, availability period, and purpose of the facility
5. Drawdown and Repayment: Sets out the conditions and procedures for accessing the credit and making repayments
6. Interest and Fees: Details the interest rate(s), calculation method, and all applicable fees
7. Representations and Warranties: States the borrower's confirmations about their financial situation and capacity
8. Borrower Covenants: Lists ongoing obligations of the borrower during the term of the facility
9. Events of Default: Defines circumstances that constitute default and the lender's rights in such events
10. General Provisions: Contains standard contract clauses including notices, amendments, and governing law
1. Security: Required if the facility is secured by any assets or guarantees
2. Guarantor Provisions: Include when there are personal or corporate guarantors for the facility
3. Insurance Requirements: Include when specific insurance coverage is required for the facility
4. Special Drawing Conditions: Include when there are specific conditions or restrictions on drawing the facility
5. Financial Covenants: Include for business borrowers where financial ratio maintenance is required
6. Review Events: Include when periodic review of the facility terms is required
7. Multiple Borrower Provisions: Include when there are multiple borrowers sharing the facility
1. Facility Terms Schedule: Detailed terms including credit limit, interest rates, fees, and repayment terms
2. Drawing Notice Form: Template form for requesting drawdowns under the facility
3. Fee Schedule: Comprehensive list of all fees and charges applicable to the facility
4. Security Details: Description of any security assets and related terms (if applicable)
5. Disclosure Statement: CCCFA-compliant initial disclosure statement for consumer lending
6. Direct Debit Authority: Form for setting up automatic payment arrangements
7. Guarantor Acknowledgment: Required acknowledgments and confirmations from guarantors (if applicable)
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Small Business
Real Estate
Construction
Retail
Manufacturing
Professional Services
Agriculture
Healthcare
Relevant Teams
Legal
Credit
Risk Management
Compliance
Operations
Commercial Banking
Retail Banking
Credit Administration
Treasury
Document Management
Customer Service
Relevant Roles
Credit Manager
Loan Officer
Commercial Banking Manager
Risk Manager
Legal Counsel
Compliance Officer
Relationship Manager
Credit Analyst
Operations Manager
Treasury Manager
Financial Controller
Business Development Manager
Branch Manager
Credit Administrator
Underwriter
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