This Revolving Credit Contract template is designed for use by financial institutions operating in New Zealand to establish ongoing credit facilities with borrowers. The document ensures compliance with the Credit Contracts and Consumer Finance Act 2003 (CCCFA) and other relevant New Zealand legislation, including mandatory disclosure requirements and consumer protections. It is suitable for various credit arrangements where borrowers need flexible access to funds up to a predetermined limit, with the ability to draw down and repay funds multiple times. The contract includes comprehensive terms covering credit limits, interest calculations, fee structures, repayment obligations, and default provisions, while incorporating necessary regulatory safeguards and disclosure requirements specific to New Zealand's consumer credit regime.
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1. Parties: Identification of the lender and borrower with full legal names and addresses
2. Background: Context of the agreement and purpose of the revolving credit facility
3. Definitions: Definitions of key terms used throughout the agreement
4. Credit Limit and Nature of Facility: Specification of the credit limit and description of the revolving nature of the facility
5. Drawing and Repayment: Terms for how the borrower can draw down funds and make repayments
6. Interest: Interest rate(s), calculation method, and charging periods
7. Fees and Charges: All fees and charges applicable to the facility
8. Payments: Payment obligations, minimum payments, and payment methods
9. Events of Default: Circumstances constituting default and consequences
10. Term and Termination: Duration of the agreement and termination provisions
11. General Terms: Standard contract terms including amendments, notices, and governing law
1. Security: Required if the credit facility is secured by any assets or guarantees
2. Insurance: Include if credit-related insurance is required or offered
3. Guarantor Provisions: Required if there are guarantors for the facility
4. Credit Cards: Include if the facility includes credit card access
5. Electronic Banking: Include if online banking or electronic access is provided
6. Joint Borrowers: Required if there are multiple borrowers
7. Special Conditions: Include if there are any customer-specific terms or variations
1. Schedule 1 - Initial Disclosure Statement: Mandatory CCCFA disclosure information including all fees, charges, and interest rates
2. Schedule 2 - Direct Debit Authority: Direct debit setup and authorization forms
3. Schedule 3 - Fee Schedule: Detailed breakdown of all fees and charges
4. Schedule 4 - Security Details: Details of any security provided (if applicable)
5. Appendix A - Standard Terms and Conditions: Detailed terms and conditions that may be updated from time to time
6. Appendix B - Privacy Statement: Details of how personal information will be collected, used, and disclosed
Relevant legal definitions
Account
Account Statement
Agreement
Annual Interest Rate
Applicable Law
Available Credit
Banking Day
Borrower
Business Day
CCCFA
Credit Limit
Default Interest Rate
Default Event
Direct Debit
Disclosure Statement
Draw Down
Due Date
Electronic Banking
Establishment Fee
Event of Default
Facility
Fees
Financial Institution
GST
Guarantee
Guarantor
Initial Disclosure
Interest
Interest Rate
Late Payment Fee
Lender
Minimum Payment
Outstanding Balance
Overdue Amount
Payment Date
Personal Information
Privacy Act
Related Company
Repayment
Review Date
Security
Security Interest
Statement Period
Term
Termination Date
Transaction
Unpaid Balance
Variation
Account Statement
Agreement
Annual Interest Rate
Applicable Law
Available Credit
Banking Day
Borrower
Business Day
CCCFA
Credit Limit
Default Interest Rate
Default Event
Direct Debit
Disclosure Statement
Draw Down
Due Date
Electronic Banking
Establishment Fee
Event of Default
Facility
Fees
Financial Institution
GST
Guarantee
Guarantor
Initial Disclosure
Interest
Interest Rate
Late Payment Fee
Lender
Minimum Payment
Outstanding Balance
Overdue Amount
Payment Date
Personal Information
Privacy Act
Related Company
Repayment
Review Date
Security
Security Interest
Statement Period
Term
Termination Date
Transaction
Unpaid Balance
Variation
Clauses
Credit Facility
Interest
Fees and Charges
Payments
Credit Limit
Drawdown Rights
Repayment Obligations
Security
Default
Termination
Representations and Warranties
Borrower Obligations
Lender Obligations
Disclosure
Privacy
Anti-Money Laundering
Variation
Assignment
Notices
Electronic Communications
Direct Debit
Insurance
Guarantee
Set-off Rights
Indemnity
Force Majeure
Governing Law
Dispute Resolution
Severability
Entire Agreement
Interest
Fees and Charges
Payments
Credit Limit
Drawdown Rights
Repayment Obligations
Security
Default
Termination
Representations and Warranties
Borrower Obligations
Lender Obligations
Disclosure
Privacy
Anti-Money Laundering
Variation
Assignment
Notices
Electronic Communications
Direct Debit
Insurance
Guarantee
Set-off Rights
Indemnity
Force Majeure
Governing Law
Dispute Resolution
Severability
Entire Agreement
Relevant Industries
Banking
Financial Services
Consumer Finance
Retail Banking
Commercial Banking
Credit Unions
Building Societies
Alternative Lending
FinTech
Relevant Teams
Legal
Compliance
Risk Management
Credit Operations
Retail Banking
Commercial Banking
Product Development
Customer Service
Credit Assessment
Documentation
Operations
Relevant Roles
Credit Manager
Legal Counsel
Compliance Officer
Risk Manager
Credit Analyst
Financial Services Manager
Lending Manager
Product Manager
Retail Banking Manager
Commercial Banking Manager
Credit Operations Manager
Loan Officer
Customer Service Manager
Credit Risk Officer
Documentation Specialist
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