The Personal Loan Agreement is a fundamental document used in Belgian consumer lending transactions to formalize the lending relationship between a financial institution or private lender and an individual borrower. It serves as the primary contract documenting the terms of the loan, including essential elements required by Belgian law such as the Annual Percentage Rate (APR), repayment schedule, and consumer rights. The agreement must comply with strict Belgian consumer protection regulations, including the Consumer Credit Act and relevant EU directives. This document is particularly important in the Belgian context as it must incorporate specific local requirements such as language laws (potentially requiring versions in French, Dutch, or German depending on the region), mandatory cooling-off periods, and maximum interest rate restrictions. The agreement is designed to protect both the lender's interests in securing repayment and the borrower's rights under Belgian consumer protection legislation.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Your data doesn't train Genie's AI
You keep IP ownership of your docs
1. Parties: Identification of the Lender and Borrower with full legal names and addresses
2. Background: Brief context of the loan request 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 intended use of funds
5. Interest Rate and APR: Clear statement of interest rate, APR, and calculation method as required by Belgian law
6. Repayment Terms: Details of repayment schedule, payment amounts, and payment methods
7. Consumer Rights: Mandatory section outlining consumer protections under Belgian law, including cooling-off period
8. Default and Consequences: Conditions constituting default and resulting consequences
9. Representations and Warranties: Basic declarations by the borrower regarding their capacity to enter into the agreement
10. Term and Termination: Duration of the agreement and conditions for early termination
11. Notices: How formal communications between parties should be made
12. Governing Law: Confirmation of Belgian law as governing law and jurisdiction
13. Execution: Signature blocks and date of agreement
1. Security: Required if the loan is secured by any assets or guarantees
2. Insurance Requirements: Include if borrower must maintain specific insurance coverage
3. Early Repayment: Details of early repayment options and any associated fees or calculations
4. Co-signer Provisions: Required if there is a co-signer or guarantor for the loan
5. Purpose Restrictions: Include if there are specific restrictions on how loan funds may be used
6. Data Protection: Detailed GDPR compliance section if extensive personal data processing is involved
1. Schedule 1 - Repayment Schedule: Detailed amortization table showing payment dates, amounts, and interest allocation
2. Schedule 2 - Fee Schedule: Comprehensive list of all applicable fees and charges
3. Schedule 3 - Direct Debit Authorization: If applicable, direct debit payment authorization forms
4. Appendix A - Standard European Consumer Credit Information: Mandatory standardized information sheet required under EU consumer credit regulations
5. Appendix B - Withdrawal Form: Standard form for exercising the right of withdrawal during cooling-off period
Find the exact document you need
Standard Form Of Contract In (Construction)
Standard form construction contract under Belgian law, establishing comprehensive framework for construction projects with compliance to Belgian civil code and EU regulations.
Download
Non Binding Contract
A Belgian law-governed non-binding contract establishing preliminary understanding between parties while avoiding legal obligations.
Download
Professional Services Agreement
Belgian law-governed agreement for professional services provision, defining service terms, obligations, and compliance requirements.
Download
Subcontractor Agreement Form
A Belgian law-governed agreement establishing terms and conditions between a contractor and subcontractor for the provision of specified services or works.
Download
Basic Ordering Agreement
A Belgian law framework agreement establishing terms and conditions for future orders of goods or services, providing flexibility while ensuring legal compliance.
Download
Partnership Agreement Form
A Belgian law-governed agreement establishing the terms and conditions of a business partnership, including operational, financial, and management arrangements.
Download
Legal Binding Contract
A legally binding contract compliant with Belgian law and the Belgian Civil Code, structured to create enforceable obligations between contracting parties.
Download
Side Agreement
A Belgian law-governed supplementary agreement that modifies or clarifies terms of a primary contract between parties.
Download
Incorporation Agreement
A legally binding agreement under Belgian law that establishes a new company and defines its foundational structure and governance framework.
Download
Business Transfer Agreement
Belgian law agreement for transferring business ownership, assets, and operations from one entity to another, including all necessary legal and regulatory compliance elements.
Download
Tooling Agreement
A Belgian law-governed agreement establishing terms for industrial tooling supply, ownership, and maintenance between manufacturers and suppliers.
Download
Representation Agreement
Belgian law-governed agreement establishing terms for commercial representation between a Principal and Representative, including rights, obligations, and compensation terms.
Download
Preliminary Agreement
A Belgian law-governed framework document establishing initial terms and conditions for business negotiations, including both binding and non-binding provisions.
Download
Notary Rent Agreement
A notarially authenticated rental agreement under Belgian law establishing terms and conditions for property lease, providing enhanced legal security through official notarial verification.
Download
Model Tenancy Agreement
Belgian-law compliant residential tenancy agreement template incorporating mandatory provisions and regional requirements.
Download
Common Terms Agreement
A Belgian law-governed agreement establishing standard terms for syndicated lending arrangements, defining the relationship between borrowers, lenders, and other finance parties.
Download
Enforceable Contract
A Belgian law-compliant contract template designed to create legally binding obligations between parties, incorporating all essential elements required under Belgian Civil Code.
Download
Employee Agreement Form
A standardized employment contract compliant with Belgian labor law, establishing the terms and conditions of employment between employer and employee.
Download
Catering Contract
Belgian law-governed agreement establishing terms and conditions for catering services, incorporating local food safety regulations and EU directives.
Download
Business Cooperation Agreement
A Belgian law-governed agreement establishing terms and conditions for business cooperation between two or more parties.
Download
Confidentiality And Non Disclosure Agreement
Belgian law-governed NDA for protecting confidential information and trade secrets, compliant with Belgian and EU regulations.
Download
Lodger Agreement
A Belgian law-governed agreement between a homeowner and lodger for shared residential accommodation, defining rights, obligations, and living arrangements.
Download
Consulting Agreement
Belgian law-governed agreement establishing terms and conditions for consulting services between a client and an independent consultant.
Download
Head Of Terms Agreement
A preliminary agreement under Belgian law outlining key terms and conditions of a proposed transaction, establishing the framework for detailed negotiations while distinguishing between binding and non-binding provisions.
Download
Supply Contract Form
Belgian law-governed supply contract establishing terms for product supply relationships, incorporating local and EU regulatory requirements.
Download
Business Contract
Belgian law-governed business contract template for establishing commercial relationships between business entities, incorporating essential Belgian legal requirements and commercial terms.
Download
Dispute Resolution Agreement
Belgian law-governed agreement establishing comprehensive dispute resolution procedures including negotiation, mediation, and arbitration frameworks.
Download
Umbrella Agreement
Belgian law-governed master agreement establishing framework terms for future specific agreements between parties.
Download
Tripartite Contract
A Belgian law-governed agreement establishing rights and obligations between three parties, structured to manage complex multi-party business relationships.
Download
Transfer Of Ownership Agreement
A Belgian law-governed agreement facilitating the legal transfer of property ownership from one party to another, including terms, conditions, and completion requirements.
Download
Transfer Of Business Ownership Agreement
A Belgian law-governed agreement facilitating the complete transfer of business ownership between parties, ensuring compliance with local corporate, employment, and tax regulations.
Download
Trading Agreement
Belgian law-governed agreement establishing terms and conditions for commercial trading relationships between business parties.
Download
Trade Contract
Belgian law-governed trade contract establishing terms for commercial transactions, compliant with Belgian and EU regulations.
Download
Tender Agreement
A Belgian law-governed agreement establishing the framework and requirements for a competitive tender process, aligned with national and EU procurement regulations.
Download
Simple Contractor Agreement
A Belgian law-governed agreement establishing and regulating the relationship between a company and an independent contractor, outlining key terms and obligations.
Download
Teaming Agreement
Belgian law-governed agreement establishing collaboration terms between multiple parties for joint business opportunities or projects.
Download
Suretyship Agreement
A Belgian law contract where a surety guarantees the obligations of a debtor to a creditor, establishing terms and enforcement mechanisms under Belgian law.
Download
Supplier Agreement
Belgian law-governed agreement regulating the commercial relationship between customer and supplier for goods/services provision.
Download
Supplemental Agreement
A Belgian law-governed document that modifies or adds to an existing agreement between parties, ensuring compliance with Belgian civil and commercial law requirements.
Download
Subscription Contract
A Belgian law subscription agreement governing recurring service arrangements, incorporating local consumer protection and EU regulatory requirements.
Download
Genie’s Security Promise
Genie is the safest place to draft. Here’s how we prioritise your privacy and security.
Your documents are private:
We do not train on your data; Genie’s AI improves independently
All data stored on Genie is private to your organisation
Your documents are protected:
Your documents are protected by ultra-secure 256-bit encryption
We are ISO27001 certified, so your data is secure
Organizational security:
You retain IP ownership of your documents and their information
You have full control over your data and who gets to see it
.png)
.png)