The Loan Agreement Between Two Parties is a fundamental legal document used in the United Arab Emirates for documenting lending arrangements between two parties, whether individuals or corporate entities. This agreement is essential for any lending transaction in the UAE and must comply with UAE Federal Law No. 5 of 1985 (Civil Code) and Federal Law No. 18 of 1993 (Commercial Code). It can be structured to accommodate both conventional lending and Islamic financing principles, making it versatile for various business needs. The document typically includes comprehensive details about the loan amount, repayment terms, security arrangements, and the rights and obligations of both parties. It's particularly important in the UAE context as it must account for local legal requirements, including potential Sharia compliance and UAE Central Bank regulations. This template is commonly used for business loans, personal lending, and corporate financing arrangements within the UAE jurisdiction.
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1. Parties: Identification of the lender and borrower with full legal names and addresses
2. Background: Context of the loan agreement and relationship between parties
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount and its intended use
5. Disbursement: Terms and conditions for disbursement of the loan
6. Interest and Profit Rate: Interest rate or profit rate (for Islamic finance) and calculation method
7. Repayment Terms: Schedule and method of repayment, including installment details
8. Security: Details of any security or collateral provided for the loan
9. Representations and Warranties: Statements of fact and assurances from the borrower
10. Borrower's Covenants: Ongoing obligations and commitments of the borrower
11. Events of Default: Circumstances constituting default and consequences
12. Remedies: Lender's rights and remedies in case of default
13. Governing Law and Jurisdiction: Specification of UAE law and jurisdiction
14. Notices: Process for formal communications between parties
15. Execution: Signature blocks and execution requirements
1. Islamic Finance Compliance: Required if the loan needs to be Sharia-compliant, including specific provisions for Islamic financing structures
2. Guarantor Provisions: Required if there is a third-party guarantor for the loan
3. Assignment and Transfer: Include if either party may need to transfer their rights or obligations
4. Joint and Several Liability: Required if there are multiple borrowers
5. Currency Provisions: Include if the loan involves multiple currencies or foreign exchange considerations
6. Insurance Requirements: Include if specific insurance coverage is required for the loan or collateral
7. Early Repayment: Include if early repayment is permitted and any associated penalties
8. Force Majeure: Optional clause addressing unforeseen circumstances affecting loan performance
1. Repayment Schedule: Detailed schedule of repayment dates and amounts
2. Security Details: Detailed description of security or collateral assets
3. Conditions Precedent: List of conditions to be satisfied before loan disbursement
4. Form of Drawdown Notice: Template for requesting loan disbursement
5. Form of Compliance Certificate: Template for periodic compliance reporting
6. Security Documents: List and copies of security documentation
7. Know Your Customer Requirements: List of required KYC documentation
8. Fees and Charges: Detailed breakdown of all applicable fees and charges
Relevant legal definitions
Agreement
Applicable Law
Authorized Representative
Business Day
Collateral
Conditions Precedent
Default Interest Rate
Default Notice
Drawdown
Drawdown Date
Drawdown Notice
Effective Date
Event of Default
Facility
Final Repayment Date
Financial Indebtedness
Financial Statements
Governing Law
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Notice
Outstanding Amount
Party/Parties
Permitted Purpose
Profit Rate
Repayment Date
Repayment Schedule
Security
Security Documents
Sharia Compliant
Tax
UAE
UAE Dirham/AED
Working Day
Applicable Law
Authorized Representative
Business Day
Collateral
Conditions Precedent
Default Interest Rate
Default Notice
Drawdown
Drawdown Date
Drawdown Notice
Effective Date
Event of Default
Facility
Final Repayment Date
Financial Indebtedness
Financial Statements
Governing Law
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Notice
Outstanding Amount
Party/Parties
Permitted Purpose
Profit Rate
Repayment Date
Repayment Schedule
Security
Security Documents
Sharia Compliant
Tax
UAE
UAE Dirham/AED
Working Day
Clauses
Interpretation
Loan Facility
Purpose
Conditions Precedent
Drawdown
Interest
Profit Rate
Repayment
Prepayment
Security
Representations and Warranties
Covenants
Information Undertakings
Financial Covenants
Events of Default
Acceleration
Set-off
Assignment and Transfer
Costs and Expenses
Indemnities
Notices
Amendments and Waivers
Severability
Counterparts
Confidentiality
Force Majeure
Governing Law
Jurisdiction
Dispute Resolution
Islamic Finance Compliance
Currency
Anti-Money Laundering
Sanctions Compliance
Third Party Rights
Loan Facility
Purpose
Conditions Precedent
Drawdown
Interest
Profit Rate
Repayment
Prepayment
Security
Representations and Warranties
Covenants
Information Undertakings
Financial Covenants
Events of Default
Acceleration
Set-off
Assignment and Transfer
Costs and Expenses
Indemnities
Notices
Amendments and Waivers
Severability
Counterparts
Confidentiality
Force Majeure
Governing Law
Jurisdiction
Dispute Resolution
Islamic Finance Compliance
Currency
Anti-Money Laundering
Sanctions Compliance
Third Party Rights
Relevant Industries
Banking & Financial Services
Real Estate
Construction
Trading & Commerce
Manufacturing
Professional Services
Retail
Technology
Healthcare
Education
Hospitality
Transportation & Logistics
Energy
Small & Medium Enterprises
Relevant Teams
Legal
Finance
Treasury
Risk Management
Compliance
Credit
Corporate Secretariat
Business Development
Operations
Commercial
Investment
Corporate Banking
Administration
Relevant Roles
Chief Financial Officer
Finance Director
Legal Counsel
Corporate Lawyer
Finance Manager
Credit Manager
Risk Manager
Compliance Officer
Treasury Manager
Business Development Manager
Account Manager
Banking Relationship Manager
Financial Controller
Company Secretary
Managing Director
Chief Executive Officer
Small Business Owner
Investment Manager
Loan Officer
Contract Administrator
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