The Debt Agreement serves as a crucial legal instrument in Malaysian financial transactions, establishing the terms and conditions under which one party lends money to another. This document is essential for both institutional and private lending arrangements, requiring careful consideration of Malaysian financial regulations, particularly the Moneylenders Act 1951 and Financial Services Act 2013. The agreement is commonly used in various contexts, from corporate financing to personal loans, and must comply with Malaysian interest rate regulations and security requirements. It typically includes detailed provisions for loan disbursement, repayment schedules, security arrangements, events of default, and enforcement mechanisms. The Debt Agreement's structure ensures protection for both lender and borrower while maintaining compliance with Malaysian banking and financial services regulations.

1. Parties: Identification of the lender and borrower with full legal names and addresses

2. Background: Context of the loan arrangement and purpose of the agreement

3. Definitions: Definitions of key terms used throughout the agreement

4. Loan Amount and Purpose: Specification of the principal amount and stated purpose of the loan

5. Interest Rate and Calculations: Details of interest rate, calculation method, and compliance with Malaysian interest rate regulations

6. Repayment Terms: Payment schedule, method of payment, and prepayment provisions

7. Security: Details of any collateral or security provided for the loan

8. Representations and Warranties: Standard declarations by both parties regarding their capacity and authority

9. Borrower's Covenants: Ongoing obligations and restrictions on the borrower

10. Events of Default: Circumstances constituting default and consequences

11. Enforcement and Remedies: Lender's rights and remedies upon default

12. Notices: Process for formal communications between parties

13. Governing Law and Jurisdiction: Specification of Malaysian law and jurisdiction

14. Execution: Signature blocks and execution requirements