The Loan Agreement With Notary is a specialized legal instrument used in Nigeria when parties require an enhanced level of security and authenticity in their lending arrangements. This document type is particularly relevant for significant financial transactions, secured loans, or when either party requires additional legal protection. The agreement combines standard loan provisions with notarial certification requirements under Nigerian law, specifically adhering to the Notary Public Act of 1963 and relevant banking regulations. It's commonly used in commercial lending, real estate transactions, and business expansion financing where the involvement of a notary public adds an extra layer of verification and enforceability. The document includes comprehensive terms covering loan disbursement, repayment, security arrangements, and default provisions, all authenticated through notarial certification to prevent future disputes about document authenticity or execution.
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1. Parties: Identification of lender and borrower with full legal names and addresses
2. Background: Context of the loan agreement and relationship between parties
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount and intended use of funds
5. Interest Rate: Details of interest rate, calculation method, and payment terms
6. Repayment Terms: Schedule of repayments, payment methods, and prepayment provisions
7. Conditions Precedent: Conditions that must be met before the loan is disbursed
8. Representations and Warranties: Statements of fact by the borrower about their status and capacity
9. Covenants: Ongoing obligations of the borrower during the loan term
10. Events of Default: Circumstances constituting default and consequences
11. Remedies: Lender's rights and remedies upon default
12. Notarial Requirements: Specific provisions required for notarization under Nigerian law
13. Governing Law: Specification of Nigerian law as governing law
14. Execution: Signature blocks with notarial attestation requirements
1. Security: Details of any collateral or security for the loan - include when loan is secured
2. Guarantees: Terms of any guarantees - include when there are guarantors
3. Insurance: Requirements for insurance of collateral - include for secured loans
4. Assignment and Transfer: Rights to assign or transfer the loan - include for transferable loans
5. Tax Provisions: Allocation of tax responsibilities - include when tax implications are significant
6. Force Majeure: Provisions for unforeseen circumstances - include when requested by parties
7. Debt Service Reserve: Requirements for maintaining reserve funds - include for larger commercial loans
8. Registration Requirements: Provisions for registration with relevant authorities - include when registration is required
1. Repayment Schedule: Detailed amortization schedule showing payment dates and amounts
2. Collateral Description: Detailed description of any security or collateral for the loan
3. Conditions Precedent Checklist: List of documents and conditions required before loan disbursement
4. Form of Drawdown Notice: Template for requesting loan disbursement
5. Form of Compliance Certificate: Template for periodic compliance certification
6. Notarial Certificate: Standard form of notarial attestation required under Nigerian law
7. Required Insurance: Details of required insurance coverage for secured assets
Relevant legal definitions
Agreement
Applicable Law
Borrower
Business Day
Collateral
Conditions Precedent
Default Interest Rate
Default Notice
Drawdown Date
Drawdown Notice
Effective Date
Event of Default
Facility
Final Repayment Date
Financial Indebtedness
Financial Statements
Governing Law
Grace Period
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan Amount
Material Adverse Effect
Maturity Date
Notary Public
Notice
Outstanding Amount
Party/Parties
Permitted Purpose
Principal
Repayment Date
Repayment Schedule
Security
Security Documents
Signing Date
Tax
Term
Transaction Documents
Working Day
Applicable Law
Borrower
Business Day
Collateral
Conditions Precedent
Default Interest Rate
Default Notice
Drawdown Date
Drawdown Notice
Effective Date
Event of Default
Facility
Final Repayment Date
Financial Indebtedness
Financial Statements
Governing Law
Grace Period
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan Amount
Material Adverse Effect
Maturity Date
Notary Public
Notice
Outstanding Amount
Party/Parties
Permitted Purpose
Principal
Repayment Date
Repayment Schedule
Security
Security Documents
Signing Date
Tax
Term
Transaction Documents
Working Day
Clauses
Loan Amount and Purpose
Interest Rate
Repayment Terms
Security
Conditions Precedent
Representations and Warranties
Covenants
Events of Default
Remedies
Notarial Requirements
Assignment
Force Majeure
Governing Law
Jurisdiction
Notices
Confidentiality
Amendments
Severability
Entire Agreement
Further Assurance
Counterparts
Waiver
Set-off
Indemnification
Costs and Expenses
Tax
Insurance
Information Undertakings
Payment Mechanics
Change of Control
Anti-Money Laundering
Acceleration
Default Interest
Cross Default
Material Adverse Change
Interest Rate
Repayment Terms
Security
Conditions Precedent
Representations and Warranties
Covenants
Events of Default
Remedies
Notarial Requirements
Assignment
Force Majeure
Governing Law
Jurisdiction
Notices
Confidentiality
Amendments
Severability
Entire Agreement
Further Assurance
Counterparts
Waiver
Set-off
Indemnification
Costs and Expenses
Tax
Insurance
Information Undertakings
Payment Mechanics
Change of Control
Anti-Money Laundering
Acceleration
Default Interest
Cross Default
Material Adverse Change
Relevant Industries
Banking & Finance
Real Estate
Agriculture
Manufacturing
Oil & Gas
Construction
Small & Medium Enterprises
Retail
Technology
Healthcare
Education
Transportation & Logistics
Relevant Teams
Legal
Finance
Compliance
Risk Management
Treasury
Corporate Secretariat
Credit Administration
Business Development
Contract Administration
Relevant Roles
Legal Counsel
Finance Manager
Chief Financial Officer
Credit Risk Officer
Compliance Officer
Corporate Secretary
Banking Officer
Loan Officer
Contract Manager
Treasury Manager
Risk Manager
Business Development Manager
Company Director
Financial Controller
Legal Administrator
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