This Loan Agreement template is designed for use in New Zealand financial transactions, complying with local legislation including the Credit Contracts and Consumer Finance Act 2003. It serves as a legally binding document between lenders and borrowers, whether for commercial, personal, or specialized lending purposes. The agreement can be customized for various loan types including secured and unsecured facilities, incorporating appropriate security arrangements and guarantees where required. It contains all essential elements required under New Zealand law, including mandatory disclosure requirements, interest calculation methods, and borrower protections. This template is suitable for financial institutions, private lenders, and businesses engaging in lending activities within New Zealand's jurisdiction.
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1. Parties: Identification of lender and borrower with full legal names and addresses
2. Background: Context of the loan agreement and purpose of the facility
3. Definitions: Defined terms used throughout the agreement
4. Loan Facility: Details of the loan amount, purpose, and drawdown conditions
5. Interest: Interest rate, calculation method, and payment terms
6. Repayment: Repayment schedule, method, and terms
7. Borrower Representations: Borrower's warranties and representations regarding their capacity and financial status
8. Borrower Covenants: Ongoing obligations of the borrower during the loan term
9. Events of Default: Circumstances constituting default and consequences
10. Lender's Rights: Rights and remedies available to the lender
11. General Provisions: Standard contract clauses including notices, amendments, governing law
1. Security: Required for secured loans - details of assets provided as security
2. Guarantees: Include when there are personal or corporate guarantors
3. Insurance Requirements: Mandatory for secured loans against insurable assets
4. Special Conditions: For loans with unique terms or requirements
5. Early Repayment: Include if early repayment is permitted with specific terms
6. Multiple Borrowers: Required when there is more than one borrower to specify joint liability
7. Assignment and Transfer: Include if the loan may be assigned or transferred
8. Financial Covenants: For corporate borrowers with specific financial requirements
1. Repayment Schedule: Detailed payment dates and amounts
2. Security Details: Comprehensive description of security assets and registration details
3. Drawdown Conditions: Specific conditions and documentation required for drawdown
4. Fee Schedule: Breakdown of all applicable fees and charges
5. Initial Disclosure Statement: Required under CCCFA for consumer loans
6. Guarantor Agreements: If applicable, separate deeds of guarantee
7. Insurance Requirements: Specific insurance types and coverage required
Relevant legal definitions
Clauses
Relevant Industries
Banking & Financial Services
Real Estate
Commercial Property
Agriculture
Manufacturing
Retail
Technology
Construction
Professional Services
Healthcare
Education
Transport & Logistics
Relevant Teams
Legal
Finance
Credit
Compliance
Risk Management
Commercial
Business Development
Treasury
Operations
Documentation
Relevant Roles
Legal Counsel
Finance Manager
Credit Manager
Loan Officer
Compliance Officer
Risk Manager
Commercial Manager
Business Development Manager
Financial Controller
Chief Financial Officer
Company Secretary
Credit Analyst
Relationship Manager
Treasury Manager
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