The Lender Approval Letter is a crucial document in the Indonesian lending process, issued by banks and financial institutions following a successful loan application review. This document serves as the bank's formal commitment to provide financing, subject to specified terms and conditions. It is typically used after the credit assessment process and before the execution of detailed loan agreements. The letter includes essential information such as the approved facility amount, interest rates, tenure, security requirements, and conditions precedent. Under Indonesian banking regulations, particularly Law No. 10 of 1998 on Banking and relevant OJK regulations, the Lender Approval Letter must contain specific regulatory disclosures and comply with prescribed banking practices. It forms the foundation for the subsequent loan documentation and sets out the framework for the lending relationship between the financial institution and the borrower.
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1. Letter Header: Bank's letterhead, date, reference number, and recipient's details
2. Loan Application Reference: Reference to the loan application details including application date and any relevant reference numbers
3. Approval Declaration: Clear statement of approval and basic loan details (amount, purpose, type)
4. Key Loan Terms: Essential terms including interest rate, tenure, repayment schedule
5. Facility Details: Specific details about the approved credit facility including limits and purpose
6. Financial Conditions: Key financial terms, fees, and charges applicable to the loan
7. Validity Period: Period for which the approval remains valid
8. Next Steps: Instructions on how to proceed with the loan documentation
9. Contact Information: Details of the responsible bank officer or department for follow-up
10. Signature Block: Authorized signatory details and space for signature
1. Security Requirements: Required when the loan is secured - details of collateral or guarantee requirements
2. Special Conditions: Any specific conditions that must be met before loan disbursement
3. Insurance Requirements: Details of required insurance coverage, if applicable
4. Regulatory Disclaimers: Specific regulatory notices required for certain types of loans
5. Foreign Currency Provisions: Required for loans in foreign currency - exchange rate considerations and requirements
6. Drawdown Conditions: For facilities with multiple drawdown options - specific conditions for each drawdown
7. Covenant Requirements: Any ongoing financial or operational covenants required by the bank
1. Schedule of Fees: Detailed breakdown of all applicable fees and charges
2. Repayment Schedule: Detailed amortization schedule if applicable
3. Required Documents: List of documents required for loan documentation
4. Security Details: Detailed description of required security/collateral if applicable
5. Conditions Precedent: Comprehensive list of conditions to be fulfilled before loan disbursement
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