The Credit Loan Agreement is a fundamental financial instrument used in Danish lending transactions, essential for both consumer and commercial credit arrangements. It serves as the primary contractual document establishing the relationship between credit providers and borrowers under Danish law. The agreement must comply with strict regulatory requirements, including the Danish Credit Agreements Act, Financial Business Act, and EU Consumer Credit Directive. It contains mandatory disclosures about interest rates, fees, and the Annual Percentage Rate (APR), along with comprehensive terms covering loan disbursement, repayment obligations, default provisions, and security arrangements. This document is crucial for financial institutions operating in Denmark and must reflect both Danish-specific legal requirements and broader EU consumer protection standards.
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Key Requirements PROMPT example:
Credit Loan Agreement
I need a Credit Loan Agreement under Danish law for a secured business loan of 2 million DKK to a medium-sized manufacturing company, with quarterly repayments over 5 years starting March 2025, including standard security provisions and financial covenants.
1. Parties: Identification of the lender and borrower with full legal names, addresses, and registration numbers/ID details
2. Background: Context of the loan agreement and purpose of the credit facility
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the credit amount, currency, and permitted use of the loan
5. Interest Rate and APR: Details of interest rate, calculation method, Annual Percentage Rate (APR), and total cost of credit
6. Repayment Terms: Payment schedule, method of payments, and repayment structure
7. Fees and Charges: All applicable fees, charges, and costs associated with the loan
8. Conditions Precedent: Conditions that must be satisfied before the loan is made available
9. Representations and Warranties: Borrower's confirmations regarding their financial status, legal capacity, and accuracy of provided information
10. Borrower's Obligations: Ongoing obligations of the borrower during the term of the loan
11. Events of Default: Circumstances that constitute default and their consequences
12. Early Repayment: Terms and conditions for early repayment and any associated fees
13. Notices: Communication methods and contact details for formal notices
14. Governing Law and Jurisdiction: Confirmation of Danish law as governing law and jurisdiction for disputes
1. Security: Details of any collateral or security provided for the loan - used when the loan is secured
2. Guarantees: Terms of any guarantees provided - included when there are third-party guarantors
3. Insurance Requirements: Mandatory insurance requirements - included when specific insurance coverage is required
4. Co-borrower Provisions: Additional terms for co-borrowers - used when there are multiple borrowers
5. Draw-down Mechanics: Procedures for drawing down the loan - used for facilities with multiple draw-downs
6. Special Repayment Terms: Any special repayment arrangements - used for non-standard repayment structures
7. Data Protection: Specific data protection and privacy terms - recommended for consumer loans
8. Assignment and Transfer: Terms for transferring or assigning the loan - used when transfer rights are important to the lender
1. Repayment Schedule: Detailed amortization table showing payment dates, amounts, and breakdown of principal and interest
2. Fee Schedule: Comprehensive list of all applicable fees and charges
3. Standard European Consumer Credit Information: Standardized information sheet required by EU regulations
4. Direct Debit Authorization: Form for setting up automatic payment arrangements
5. Security Documents: Details of any security arrangements and related documentation
6. Key Information Document: Summary of key terms and conditions as required by Danish consumer protection laws
7. Contact Details: List of relevant contact points for both parties
8. Complaint Procedures: Information about complaint handling and dispute resolution procedures
Authors
Relevant legal definitions
Agreement
Annual Percentage Rate (APR)
Banking Day
Borrower
Business Day
Conditions Precedent
Credit Limit
Default Interest Rate
Default Event
Disbursement Date
Due Date
Early Repayment
Effective Date
Event of Default
Facility
Fee Schedule
Final Maturity Date
Financial Indebtedness
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan Amount
Material Adverse Effect
Nominal Interest Rate
Outstanding Amount
Parties
Payment Date
Permitted Purpose
Principal
Repayment Schedule
Security
Security Documents
Security Provider
Signing Date
Total Amount Payable
Total Cost of Credit
Transaction Documents
Utilization
Annual Percentage Rate (APR)
Banking Day
Borrower
Business Day
Conditions Precedent
Credit Limit
Default Interest Rate
Default Event
Disbursement Date
Due Date
Early Repayment
Effective Date
Event of Default
Facility
Fee Schedule
Final Maturity Date
Financial Indebtedness
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan Amount
Material Adverse Effect
Nominal Interest Rate
Outstanding Amount
Parties
Payment Date
Permitted Purpose
Principal
Repayment Schedule
Security
Security Documents
Security Provider
Signing Date
Total Amount Payable
Total Cost of Credit
Transaction Documents
Utilization
Clauses
Loan Amount
Interest Rate
Fees and Charges
Repayment Terms
Security
Conditions Precedent
Representations and Warranties
Covenants
Events of Default
Remedies
Early Repayment
Payment Mechanics
Set-off Rights
Assignment and Transfer
Amendments and Waivers
Force Majeure
Notices
Confidentiality
Data Protection
Anti-Money Laundering
Sanctions Compliance
Severability
Entire Agreement
Third Party Rights
Counterparts
Dispute Resolution
Governing Law
Jurisdiction
Insurance Requirements
Information Undertakings
Financial Covenants
Acceleration Rights
Default Interest
Costs and Expenses
Indemnification
Term and Termination
Interest Rate
Fees and Charges
Repayment Terms
Security
Conditions Precedent
Representations and Warranties
Covenants
Events of Default
Remedies
Early Repayment
Payment Mechanics
Set-off Rights
Assignment and Transfer
Amendments and Waivers
Force Majeure
Notices
Confidentiality
Data Protection
Anti-Money Laundering
Sanctions Compliance
Severability
Entire Agreement
Third Party Rights
Counterparts
Dispute Resolution
Governing Law
Jurisdiction
Insurance Requirements
Information Undertakings
Financial Covenants
Acceleration Rights
Default Interest
Costs and Expenses
Indemnification
Term and Termination
Relevant Industries
Banking
Financial Services
Consumer Finance
Real Estate
Commercial Lending
Retail Banking
Investment Banking
Asset Finance
Corporate Finance
Mortgage Lending
Relevant Teams
Legal
Compliance
Credit Risk
Commercial Banking
Retail Banking
Documentation
Treasury
Finance
Risk Management
Operations
Customer Relations
Credit Administration
Relevant Roles
Credit Manager
Loan Officer
Legal Counsel
Compliance Officer
Financial Controller
Risk Manager
Credit Analyst
Relationship Manager
Branch Manager
Treasury Manager
Documentation Specialist
Underwriter
Chief Financial Officer
Chief Legal Officer
Credit Administration Officer
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