A Refinance Agreement is commonly used when borrowers seek to modify their existing debt obligations, typically to secure more favorable terms such as lower interest rates, extended repayment periods, or different security arrangements. Under Singapore law, these agreements must comply with strict regulatory requirements, including MAS guidelines on Total Debt Servicing Ratio (TDSR) and fair dealing principles. The document typically includes details of both the existing and new facilities, security arrangements, conditions precedent, and ongoing obligations of all parties involved.
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1. Parties: Identification of all parties involved in the refinancing agreement
2. Background: Context of the refinancing, including details of existing facility being refinanced
3. Definitions: Key terms used throughout the agreement
4. Facility Terms: New loan amount, interest rate, tenure, and repayment terms
5. Conditions Precedent: Conditions that must be satisfied before refinancing takes effect
6. Security Arrangements: Details of collateral and security documents
7. Representations and Warranties: Statements of fact by borrower regarding their situation
8. Events of Default: Circumstances constituting default and consequences
1. Insurance Requirements: Required when specific insurance coverage is mandatory for property-backed refinancing
2. Guarantor Provisions: Terms relating to guarantors when third-party guarantees are involved
3. Property Covenants: Specific terms relating to property maintenance and use for property-backed refinancing
1. Schedule 1 - Existing Facility Details: Details of the facility being refinanced
2. Schedule 2 - Security Documents: List and copies of security documents
3. Schedule 3 - Repayment Schedule: Detailed breakdown of repayment structure
4. Appendix A - Property Details: For property-backed refinancing
5. Appendix B - Required Insurance Coverage: Details of mandatory insurance requirements
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