The Loan Participation Agreement is a crucial document used in financial transactions where an entity wishes to acquire an economic interest in a loan without becoming a direct lender of record. This arrangement is common in Malta's financial services sector and must comply with both Maltese law and applicable EU regulations. The document is typically used when banks want to distribute risk, when investors seek exposure to specific loans, or when regulatory or administrative constraints make direct assignment impractical. The agreement comprehensively addresses participation percentages, payment mechanisms, information rights, and risk allocation, while ensuring compliance with Maltese banking regulations and financial services laws. It's particularly relevant in scenarios involving international financial institutions operating under Maltese jurisdiction and includes specific provisions required by Maltese law regarding banking operations and financial institutions.
Loan Participation Agreement for Malta
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Key Requirements PROMPT example:
Loan Participation Agreement
"I need a Loan Participation Agreement under Maltese law for a 30% participation in a €50 million commercial real estate loan, where my bank will act as the original lender with a major investment fund as participant, with special provisions for voting rights and elevation options."
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1. Parties: Identifies the original lender and the participant(s)
2. Background: Sets out the context of the underlying loan and the purpose of the participation arrangement
3. Definitions and Interpretation: Defines key terms used throughout the agreement and establishes interpretation rules
4. Participation: Defines the nature and extent of the participation, including participation percentage and effective date
5. Purchase Price and Payment: Specifies the participation fee and payment terms
6. Rights and Obligations of the Parties: Details the respective rights and duties of the original lender and participant
7. Payments and Distributions: Mechanisms for sharing payments received under the underlying loan
8. Information Rights: Participant's rights to receive information about the underlying loan
9. Administration of the Underlying Loan: Original lender's rights and obligations in managing the underlying loan
10. Representations and Warranties: Standard representations and warranties from both parties
11. Tax Provisions: Addresses tax implications and allocates tax responsibilities
12. Confidentiality: Confidentiality obligations regarding the agreement and underlying loan
13. Termination: Circumstances and procedures for terminating the participation
14. Governing Law and Jurisdiction: Specifies Maltese law as governing law and jurisdiction for disputes
1. Transfer Provisions: Include when transfers of the participation interest are to be permitted
2. Elevation Rights: Include when the participant has the right to convert the participation into a direct loan assignment
3. Voting Rights: Include when the participant has rights to vote on certain matters relating to the underlying loan
4. Risk Retention: Include when dealing with securitization transactions subject to EU risk retention rules
5. Multiple Participants: Include when there are multiple participants to address their relationship
6. Security Arrangements: Include when specific security or collateral arrangements apply to the participation
7. Force Majeure: Include when specific force majeure provisions are required beyond standard provisions
1. Details of the Underlying Loan: Key terms, conditions and details of the underlying loan agreement
2. Form of Transfer Certificate: Standard form for documenting transfers of participation interests
3. Payment Administration: Detailed procedures for calculating and making payments
4. Contact Details: Contact information for notices and operational matters
5. Form of Confidentiality Undertaking: Standard form for confidentiality agreements with potential transferees
6. Underlying Loan Documents: List and copies of all relevant underlying loan documentation
7. Conditions Precedent: List of documents and conditions required before effectiveness
Authors
Relevant legal definitions
Acceleration Event
Administrative Agent
Affected Lender
Affiliate
Applicable Law
Borrower
Business Day
Calculation Date
Default
Default Interest
Disruption Event
Distribution
Effective Date
Elevation
Elevation Right
Event of Default
Facility Agreement
Facility Agent
Fee Letter
Financial Indebtedness
Guarantor
Information
Interest Period
Lead Bank
Lender of Record
Loan Documents
Material Adverse Effect
Maltese Banking Laws
Participation
Participation Amount
Participation Fee
Participation Percentage
Payment Date
Permitted Transferee
Purchase Price
Qualifying Bank
Recovered Amount
Regulatory Requirement
Relevant Interest
Security
Security Documents
Security Interest
Security Trustee
Seller's Share
Settlement Date
Syndication
Tax
Tax Deduction
Transfer Certificate
Transfer Date
Underlying Loan
Underlying Loan Agreement
Voting Rights
Administrative Agent
Affected Lender
Affiliate
Applicable Law
Borrower
Business Day
Calculation Date
Default
Default Interest
Disruption Event
Distribution
Effective Date
Elevation
Elevation Right
Event of Default
Facility Agreement
Facility Agent
Fee Letter
Financial Indebtedness
Guarantor
Information
Interest Period
Lead Bank
Lender of Record
Loan Documents
Material Adverse Effect
Maltese Banking Laws
Participation
Participation Amount
Participation Fee
Participation Percentage
Payment Date
Permitted Transferee
Purchase Price
Qualifying Bank
Recovered Amount
Regulatory Requirement
Relevant Interest
Security
Security Documents
Security Interest
Security Trustee
Seller's Share
Settlement Date
Syndication
Tax
Tax Deduction
Transfer Certificate
Transfer Date
Underlying Loan
Underlying Loan Agreement
Voting Rights
Clauses
Participation Purchase
Payment Terms
Risk Allocation
Information Rights
Representations and Warranties
Covenants
Administration
Assignment and Transfer
Confidentiality
Tax
Indemnification
Default
Termination
Elevation Rights
Voting Rights
Anti-Money Laundering
Regulatory Compliance
Security Interest
Set-Off Rights
Force Majeure
Notices
Amendments
Governing Law
Dispute Resolution
Severability
Entire Agreement
Counterparts
Further Assurance
Costs and Expenses
Waiver
Time of Essence
Payment Terms
Risk Allocation
Information Rights
Representations and Warranties
Covenants
Administration
Assignment and Transfer
Confidentiality
Tax
Indemnification
Default
Termination
Elevation Rights
Voting Rights
Anti-Money Laundering
Regulatory Compliance
Security Interest
Set-Off Rights
Force Majeure
Notices
Amendments
Governing Law
Dispute Resolution
Severability
Entire Agreement
Counterparts
Further Assurance
Costs and Expenses
Waiver
Time of Essence
Relevant Industries
Banking
Financial Services
Investment Management
Private Equity
Real Estate
Infrastructure
Energy
Manufacturing
Healthcare
Telecommunications
Transportation
Commercial Lending
Project Finance
Relevant Teams
Legal
Finance
Risk Management
Compliance
Treasury
Credit
Investment
Portfolio Management
Syndications
Documentation
Corporate Banking
Transaction Management
Relevant Roles
Legal Counsel
Finance Director
Credit Risk Manager
Compliance Officer
Treasury Manager
Investment Manager
Loan Officer
Portfolio Manager
Corporate Banker
Syndications Manager
Financial Controller
Risk Officer
Transaction Manager
Documentation Manager
Relationship Manager
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