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1. Parties: Identification of the finance provider and the customer (borrower)
2. Background: Context of the agreement including purpose of the financing
3. Definitions: Definitions of key terms used throughout the agreement
4. Vehicle Details: Specific description of the financed vehicle including make, model, VIN, registration number
5. Financial Terms: Details of the financing including principal amount, interest rate, total amount payable
6. Payment Terms: Payment schedule, method of payment, and payment obligations
7. Security and Title: Provisions regarding vehicle ownership, registration, and security interests
8. Insurance Requirements: Mandatory insurance requirements and responsibilities
9. Customer Representations: Customer's declarations regarding their financial situation and ability to pay
10. Default and Remedies: Consequences of default and lender's remedies including repossession rights
11. Termination: Conditions and process for early termination or completion of the agreement
12. Data Protection: Handling of personal data in compliance with GDPR/AVG
13. Governing Law: Specification of Dutch law as governing law and jurisdiction
1. Guarantor Provisions: Required when a guarantor is involved in securing the finance agreement
2. Balloon Payment Terms: Include when the financing structure includes a balloon payment at the end of the term
3. Vehicle Maintenance: Optional section detailing specific maintenance requirements if linked to warranty or value guarantees
4. Cross-Border Use: Required when the vehicle may be used outside the Netherlands regularly
5. Additional Services: Include when additional services like maintenance packages or insurance are bundled with the financing
6. Electronic Communications: Include when parties agree to electronic documentation and communications
1. Schedule 1 - Payment Schedule: Detailed breakdown of all payments including dates, amounts, and allocation between principal and interest
2. Schedule 2 - Vehicle Specification: Detailed technical specifications and condition report of the vehicle
3. Schedule 3 - Insurance Requirements: Detailed insurance specifications and minimum coverage requirements
4. Appendix A - Direct Debit Authorization: Form for setting up automatic payment arrangements
5. Appendix B - Vehicle Handover Protocol: Document recording the condition and accessories at vehicle handover
6. Appendix C - Early Termination Calculations: Formula and examples for calculating early termination amounts
Annual Percentage Rate (APR)
Balloon Payment
Borrower
Business Day
Collections
Commencement Date
Consumer Credit Act
Contract Documents
Credit Limit
Default
Default Interest
Early Termination
Event of Default
Finance Provider
Financial Terms
Guarantor
Insurance Policy
Interest Rate
Late Payment
Lender
Loan
Material Adverse Change
Monthly Payment
Payment Date
Payment Schedule
Personal Data
Principal Amount
Purchase Price
Registered Keeper
Repayment Period
Security Interest
Term
Total Amount Payable
Vehicle
Vehicle Documents
Vehicle Identification Number (VIN)
Vehicle Registration Document
Vehicle Value
Interpretation
Financial Terms
Payment Obligations
Security Interest
Title Retention
Vehicle Registration
Insurance Requirements
Representations and Warranties
Customer Obligations
Lender Obligations
Default
Enforcement
Termination
Early Repayment
Assignment and Transfer
Data Protection
Notices
Force Majeure
Entire Agreement
Severability
Amendments
Governing Law
Jurisdiction
Consumer Rights
Vehicle Maintenance
Repossession Rights
Interest and Charges
Indemnification
Confidentiality
Financial Services
Automotive
Banking
Insurance
Consumer Finance
Retail
Leasing
Legal
Finance
Compliance
Risk Management
Sales
Customer Service
Collections
Credit Assessment
Operations
Document Management
Business Development
Regulatory Affairs
Legal Counsel
Finance Manager
Credit Risk Officer
Compliance Officer
Sales Manager
Contract Administrator
Financial Services Director
Account Manager
Collections Manager
Risk Assessment Officer
Customer Service Representative
Business Development Manager
Auto Finance Specialist
Regulatory Compliance Manager
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