The Debt Agreement Contract is a fundamental legal document used in Indonesian business and financial transactions to formalize lending relationships between parties. This document is essential when one party (the lender) agrees to provide financial assistance to another party (the borrower) under specific terms and conditions. The agreement must comply with Indonesian Civil Code requirements and relevant financial regulations, including those issued by Bank Indonesia and the Financial Services Authority (OJK). It is particularly important for documenting loan terms, securing parties' rights and obligations, and establishing enforcement mechanisms under Indonesian law. The document typically includes detailed provisions on interest calculations, repayment schedules, events of default, and remedies, making it suitable for both commercial and private lending arrangements. This type of agreement is commonly used in various contexts, from simple bilateral loans to complex corporate financing structures, and can be adapted to include security interests and guarantees as required.
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1. Parties: Identifies and provides full details of the Lender and Borrower, including their legal names, addresses, and any registration numbers
2. Background: Explains the context of the loan and the parties' intention to enter into the debt agreement
3. Definitions: Defines key terms used throughout the agreement to ensure clear interpretation
4. Loan Amount and Purpose: Specifies the principal amount being lent and the agreed purpose for which the loan may be used
5. Interest Rate and Calculations: Details the applicable interest rate, calculation method, and payment frequency
6. Repayment Terms: Specifies the repayment schedule, payment amounts, and method of payment
7. Representations and Warranties: States the facts and assurances each party makes to the other
8. Borrower's Covenants: Lists the borrower's ongoing obligations and promises throughout the loan term
9. Events of Default: Defines circumstances that constitute default and the consequences thereof
10. Remedies: Outlines the lender's rights and remedies in case of default
11. Governing Law and Jurisdiction: Specifies that Indonesian law governs the agreement and establishes jurisdiction for disputes
12. Notices: Specifies how formal communications between parties should be made and delivered
13. Execution: Signature blocks and execution formalities
1. Security and Collateral: Include when the loan is secured by specific assets or guarantees
2. Guarantor Provisions: Include when there is a third-party guarantor for the loan
3. Insurance Requirements: Include when specific insurance coverage is required for secured assets or the borrower
4. Prepayment Terms: Include when early repayment is allowed, specifying any penalties or conditions
5. Assignment and Transfer: Include when either party may need to transfer their rights or obligations
6. Force Majeure: Include when parties want to address circumstances beyond their control affecting performance
7. Confidentiality: Include when there are specific requirements for keeping loan terms private
8. Tax Provisions: Include when specific tax implications need to be addressed
1. Repayment Schedule: Detailed schedule of payment dates, amounts, and breakdown of principal and interest
2. Asset Schedule: Detailed description of any assets provided as security for the loan
3. Conditions Precedent: List of conditions that must be satisfied before the loan is disbursed
4. Form of Notice: Standard templates for various notices required under the agreement
5. Calculation Examples: Examples of interest calculations and payment scenarios
6. Required Documents: List of documents required from the borrower, such as financial statements or permits
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