The Loan Agreement With Notary is a critical legal document used in the United Arab Emirates when parties wish to establish a formal, notarized lending arrangement. This document is particularly important for significant loans or when additional security and enforceability are required under UAE law. The agreement comprehensively covers loan terms, security arrangements, repayment schedules, and obligations of all parties, while meeting UAE Central Bank regulations and local legal requirements. The notarization process, mandatory under certain circumstances in the UAE, provides additional legal protection and easier enforcement. This type of agreement is commonly used in commercial lending, real estate financing, and business expansion scenarios, where formal documentation and enhanced legal certainty are essential.

1. Parties: Identification of the lender and borrower with full legal names, addresses, and registration details as required by UAE law

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, currency, and permitted purpose of the loan

5. Interest Rate and Calculation: Details of interest rate (or profit rate for Islamic structures), calculation method, and payment periods

6. Repayment Terms: Schedule of repayments, payment methods, and account details

7. Security and Guarantees: Details of any collateral, guarantees, or security provided for the loan

8. Representations and Warranties: Standard declarations by the borrower about their legal and financial status

9. Covenants: Ongoing obligations of the borrower during the loan term

10. Events of Default: Circumstances constituting default and consequences

11. Notarization Requirements: Specific provisions required for UAE notarization

12. Governing Law and Jurisdiction: Confirmation of UAE law governance and jurisdiction of UAE courts