Money Lending Contract Template for Belgium

The Money Lending Contract is a crucial legal instrument used in Belgian financial transactions to formalize and document the terms of a loan agreement between a lender and borrower. This document is essential when any party wishes to lend or borrow money under Belgian law, whether in a commercial, consumer, or private context. It addresses key requirements under Belgian financial regulations, including consumer protection measures, interest rate restrictions, and anti-money laundering provisions. The contract typically includes detailed terms about the loan amount, interest calculations, repayment schedules, security arrangements, and default provisions. It's designed to protect both lender and borrower interests while ensuring compliance with Belgian Civil Code and financial services regulations. This document is particularly important given Belgium's strict financial services regulatory framework and the need for clear documentation in lending transactions.

1. Parties: Identification and details of the lender and borrower, including registration numbers and addresses

2. Background: Context of the loan agreement and purpose of the facility

3. Definitions: Definitions of key terms used throughout the agreement

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

5. Interest Rate and Calculations: Interest rate specifications, calculation methods, and payment schedules

6. Repayment Terms: Details of repayment schedule, methods, and prepayment provisions

7. Conditions Precedent: Conditions that must be satisfied before the loan is advanced

8. Representations and Warranties: Statements of fact and assurances given by the borrower

9. Borrower Covenants: Ongoing obligations and restrictions on the borrower

10. Events of Default: Circumstances that constitute default and consequences

11. Fees and Costs: Details of all fees, charges, and cost allocation

12. Notices: Communication requirements and contact details

13. Governing Law and Jurisdiction: Confirmation of Belgian law application and jurisdiction