The Loan Agreement is a fundamental financing document used in Qatar to facilitate lending transactions between financial institutions and borrowers. It serves as the primary contract documenting the terms and conditions of the loan, including facility amount, pricing, repayment terms, and security arrangements. The agreement must comply with Qatar law, including the Qatar Civil Code, Qatar Central Bank regulations, and where applicable, Shari'ah principles. It can be adapted for various financing structures, from simple bilateral loans to complex syndicated facilities, and can accommodate both conventional and Islamic financing requirements. The document is particularly important in Qatar's growing economy, where significant financing is required for infrastructure development, real estate projects, and business expansion.

1. Parties: Identification of lender(s) and borrower(s) with full legal names and addresses

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

3. Definitions and Interpretation: Defined terms, interpretation rules, and currency conventions

4. The Facility: Details of the loan amount, purpose, and availability period

5. Conditions Precedent: Documents and conditions required before drawdown

6. Drawdown: Procedures and requirements for utilizing the loan

7. Interest: Interest rate, calculation methods, and payment periods

8. Repayment: Repayment schedule, prepayment terms, and final maturity

9. Representations and Warranties: Borrower's confirmations regarding its status and capacity

10. Covenants: Positive and negative obligations of the borrower during the loan term

11. Events of Default: Circumstances allowing lender to demand immediate repayment

12. Security: Core security arrangements and enforcement rights

13. Payments: Payment mechanics, currency, and tax provisions

14. Changes to Parties: Assignment and transfer provisions

15. Notices: Communication methods and contact details

16. Governing Law and Jurisdiction: Qatar law as governing law and jurisdiction arrangements

17. Execution: Signature blocks and execution formalities