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Money Lending Contract

Money Lending Contract Template for New Zealand

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Key Requirements PROMPT example:

Money Lending Contract

"I need a Money Lending Contract for a secured business loan of NZD 500,000 to a manufacturing company, with quarterly interest payments and a 5-year term starting March 2025, including personal guarantees from two company directors."

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Document background
The Money Lending Contract is a crucial legal document used in New Zealand for establishing and formalizing financial lending arrangements between parties. It is designed to comply with New Zealand's regulatory framework, particularly the Credit Contracts and Consumer Finance Act 2003 (CCCFA), the Financial Service Providers Act, and other relevant legislation. This document is essential for both consumer and commercial lending transactions, providing clear terms for loan amount, interest calculations, repayment schedules, and security arrangements. It includes mandatory disclosure requirements and can be customized for various lending scenarios, from simple personal loans to complex commercial financing arrangements. The contract ensures protection for both lenders and borrowers while maintaining compliance with New Zealand's consumer protection laws and financial regulations.
Suggested Sections

1. Parties: Identifies and defines the Lender and Borrower with full legal names and addresses

2. Background: Outlines the context of the loan agreement and the parties' intentions

3. Definitions: Defines key terms used throughout the agreement

4. Loan Amount and Purpose: Specifies the principal amount and permitted use of the loan funds

5. Interest Rate and Calculations: Details the interest rate, calculation method, and frequency

6. Repayment Terms: Specifies payment amounts, frequency, and duration of repayments

7. Fees and Charges: Lists all applicable fees including establishment fees, ongoing charges, and default fees

8. Events of Default: Defines circumstances constituting default and consequences

9. Representations and Warranties: Statements of fact and promises made by the borrower

10. Borrower's Obligations: Details ongoing obligations of the borrower during the loan term

11. General Provisions: Standard contract clauses including notices, amendments, and governing law

12. Execution: Signature blocks and execution requirements

Optional Sections

1. Security: Required when the loan is secured against assets or property

2. Guarantees: Required when there are personal or corporate guarantors for the loan

3. Insurance Requirements: Required when specific insurance must be maintained over secured assets

4. Early Repayment: Details early repayment terms and any associated fees or benefits

5. Draw Down Conditions: Required for loans with multiple draw downs or specific conditions for access to funds

6. Special Conditions: For any unique terms specific to the particular lending arrangement

7. Corporate Borrower Provisions: Required when the borrower is a company, including director's certificates and corporate warranties

Suggested Schedules

1. Schedule 1 - Initial Disclosure Statement: Mandatory CCCFA disclosure information including key information about the loan

2. Schedule 2 - Repayment Schedule: Detailed breakdown of all payments including principal and interest components

3. Schedule 3 - Fees Schedule: Comprehensive list of all fees and charges applicable to the loan

4. Schedule 4 - Security Details: Description of any secured assets including registration numbers and values

5. Appendix A - Direct Debit Authority: Form for setting up automatic payments if applicable

6. Appendix B - Guarantor Acknowledgment: Independent legal advice certificates for guarantors if applicable

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok成人版 | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions


















































Clauses






























Relevant Industries

Financial Services

Banking

Consumer Finance

Corporate Finance

Real Estate

Small Business

Professional Services

Construction

Manufacturing

Retail

Agriculture

Technology

Relevant Teams

Legal

Finance

Credit

Risk Management

Compliance

Operations

Treasury

Collections

Business Development

Customer Relations

Documentation

Relevant Roles

Chief Financial Officer

Finance Manager

Credit Manager

Legal Counsel

Compliance Officer

Risk Manager

Loan Officer

Credit Analyst

Financial Controller

Business Development Manager

Relationship Manager

Contract Administrator

Collections Manager

Treasury Manager

Company Secretary

Industries







Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks, 聽Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination, 聽Severance Pay, Governing Law, Entire Agreemen

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