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1. Parties: Identifies and defines the Lender and the Borrower with their complete details
2. Background: Explains the context of the loan agreement and confirms the Borrower's property ownership
3. Definitions and Interpretation: Defines key terms used throughout the agreement and sets rules for interpretation
4. Loan Amount and Purpose: Specifies the loan amount, purpose, and conditions precedent for disbursement
5. Interest Rate and Charges: Details the interest rate, calculation method, and any additional charges or fees
6. Repayment Terms: Specifies the repayment schedule, method of payment, and prepayment provisions
7. Security and Property Details: Describes the property being offered as security and creates the charge/mortgage
8. Borrower's Representations and Warranties: Lists the Borrower's declarations regarding their capacity, property ownership, and other material facts
9. Borrower's Covenants: Details the Borrower's ongoing obligations regarding property maintenance, insurance, and loan compliance
10. Events of Default: Lists circumstances that constitute default and their consequences
11. Lender's Rights and Remedies: Outlines the Lender's rights in case of default, including property enforcement
12. General Provisions: Includes standard clauses on notices, amendments, governing law, and dispute resolution
1. Guarantor Provisions: Required when a third party guarantees the loan, detailing guarantor's obligations and liability
2. Insurance Requirements: Detailed insurance obligations when specific insurance coverage is mandatory
3. Property Valuation and Inspection: Specific provisions for periodic property valuation and inspection rights
4. Assignment and Transfer: Required when the lender wants the right to assign or transfer the loan
5. Additional Security: Used when additional collateral or security is required beyond the primary property
6. Cross-Default Provisions: Included when the borrower has other loans with the same lender
7. Force Majeure: Optional provisions for unforeseen circumstances affecting loan performance
1. Property Description Schedule: Detailed description of the mortgaged property including title details and location
2. Payment Schedule: Detailed amortization schedule showing payment dates, principal, and interest breakup
3. Conditions Precedent: List of documents and conditions to be satisfied before loan disbursement
4. Fee Schedule: Detailed breakdown of all applicable fees and charges
5. Insurance Requirements: Specific insurance requirements and minimum coverage amounts
6. Form of Notice: Standard formats for various notices under the agreement
7. Property Documents: List of property ownership and title documents provided by the Borrower
Property
Loan Amount
Security
Charge
Borrower
Lender
Guarantor
Interest Rate
Default Rate
Repayment Date
Repayment Schedule
Business Day
Certificate of Occupancy
Conditions Precedent
Default Event
Encumbrance
Enforcement Notice
Financial Indebtedness
Governor's Consent
Insurance Policy
Land Registry
Legal Charge
Material Adverse Effect
Mortgage
Outstanding Amount
Permitted Security Interest
Property Documents
Secured Obligations
Security Period
Title Documents
Valuation Report
Working Day
Applicable Law
Authorisation
Disbursement Date
Due Date
Facility
Interest Period
Legal Expenses
Notice
Parties
Perfection
Principal Amount
Processing Fee
Release Date
Tenor
Term
Transaction Documents
Loan Facility
Security Creation
Property Description
Interest and Charges
Repayment Terms
Conditions Precedent
Representations and Warranties
Borrower Covenants
Property Maintenance
Insurance
Events of Default
Enforcement Rights
Assignment and Transfer
Notices
Governing Law
Dispute Resolution
Force Majeure
Severability
Entire Agreement
Amendment
Confidentiality
Registration and Stamp Duty
Further Assurance
Indemnification
Set-off Rights
Guarantor Obligations
Property Inspection
Title Covenants
Environmental Compliance
Cross-Default
Acceleration
Costs and Expenses
Banking & Financial Services
Real Estate
Insurance
Legal Services
Property Development
Construction
Retail
Manufacturing
Healthcare
Hospitality
Education
Legal
Credit
Risk Management
Compliance
Operations
Real Estate
Collections
Documentation
Client Relations
Property Services
Loan Processing
Security
Corporate Banking
Legal Counsel
Loan Officer
Credit Manager
Risk Assessment Manager
Property Valuation Officer
Compliance Officer
Banking Relationship Manager
Documentation Specialist
Credit Risk Analyst
Recovery Officer
Branch Manager
Mortgage Specialist
Real Estate Manager
Security Documentation Officer
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