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Lender Approval Letter

Lender Approval Letter Template for Indonesia

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Key Requirements PROMPT example:

Lender Approval Letter

"I need a Lender Approval Letter for a corporate loan of IDR 50 billion to PT Sejahtera Manufacturing for factory expansion in Jakarta, with disbursement planned for March 2025 and requiring real estate collateral."

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Document background
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.
Suggested Sections

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

Optional Sections

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

Suggested Schedules

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

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant Industries

Banking and Financial Services

Real Estate

Manufacturing

Retail

Agriculture

Mining

Construction

Technology

Healthcare

Transportation and Logistics

Hospitality

Education

Infrastructure

Small and Medium Enterprises

Relevant Teams

Legal

Finance

Treasury

Credit

Risk Management

Compliance

Corporate Banking

Retail Banking

Operations

Documentation

Business Development

Relationship Management

Relevant Roles

Chief Financial Officer

Finance Director

Treasury Manager

Financial Controller

Credit Manager

Loan Officer

Relationship Manager

Risk Manager

Compliance Officer

Legal Counsel

Corporate Secretary

Financial Analyst

Credit Analyst

Branch Manager

Account Manager

Business Development Manager

Industries
Indonesian Civil Code (Kitab Undang-undang Hukum Perdata): Provides the fundamental legal framework for contracts and agreements in Indonesia, including provisions on formation and enforcement of contracts
Law No. 7 of 1992 on Banking as amended by Law No. 10 of 1998: Primary banking law that regulates banking activities including lending operations and requirements for loan approval
Bank Indonesia Regulation No. 17/12/PBI/2015: Regulates the implementation of risk management in commercial banks, including credit risk management and approval processes
Law No. 24 of 1999 on Foreign Exchange Flow and Exchange Rate System: Governs foreign currency transactions and requirements for cross-border lending if applicable
Financial Services Authority (OJK) Regulation No. 40/POJK.03/2019: Regulates the assessment of commercial bank asset quality, including standards for loan classification and approval
Law No. 42 of 1999 on Fiduciary Security: Relevant for secured lending arrangements and collateral requirements in loan agreements
Bank Indonesia Regulation on Loan to Value Ratio: Sets requirements for loan-to-value ratios in various types of lending, affecting loan approval criteria
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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