The Loan Agreement And Promissory Note is a crucial document used in Singapore for both commercial and private lending arrangements. It serves a dual purpose by combining the detailed terms of a loan with a formal promise to pay, making it particularly useful for secured and unsecured lending transactions. This document type is commonly used when parties need a comprehensive lending arrangement that includes both detailed loan terms and a negotiable instrument. It must comply with Singapore's strict regulatory framework, including the Moneylenders Act and related legislation, making it suitable for various lending scenarios while providing strong legal protection for all parties involved.
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1. Parties: Identification of lender and borrower with full legal names and addresses
2. Background: Context of the loan arrangement and relationship between parties
3. Definitions: Key terms used throughout the agreement
4. Loan Amount and Purpose: Specific amount being borrowed and intended use
5. Interest Rate: Agreed interest rate, calculation method, and payment schedule
6. Repayment Terms: Schedule, method, and conditions of repayment
7. Events of Default: Circumstances constituting default and consequences
8. Representations and Warranties: Standard declarations by borrower regarding capacity and authority
1. Security: Details of any collateral or security provided - use when loan is secured by assets or guarantees
2. Insurance: Requirements for insurance coverage - use when specific insurance is required to protect the loan
3. Prepayment Provisions: Terms for early repayment - use when early repayment is allowed
4. Guarantor Provisions: Terms applying to guarantors - use when loan includes third-party guarantors
1. Repayment Schedule: Detailed breakdown of payment dates and amounts
2. Security Details: Detailed description of any security or collateral
3. Promissory Note: Standard form promissory note
4. Guarantee Agreement: If applicable, terms of guarantee
Relevant legal definitions
Agreement
Applicable Law
Banking Day
Borrower
Business Day
Collateral
Default
Default Interest Rate
Default Notice
Drawdown Date
Effective Date
Event of Default
Final Repayment Date
Financial Indebtedness
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Outstanding Amount
Parties
Payment Date
Permitted Purpose
Principal Amount
Promissory Note
Repayment Date
Repayment Schedule
Security
Security Documents
Security Interest
SGD
Singapore Dollars
Taxes
Term
Transaction Documents
Applicable Law
Banking Day
Borrower
Business Day
Collateral
Default
Default Interest Rate
Default Notice
Drawdown Date
Effective Date
Event of Default
Final Repayment Date
Financial Indebtedness
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Amount
Material Adverse Effect
Maturity Date
Outstanding Amount
Parties
Payment Date
Permitted Purpose
Principal Amount
Promissory Note
Repayment Date
Repayment Schedule
Security
Security Documents
Security Interest
SGD
Singapore Dollars
Taxes
Term
Transaction Documents
Clauses
Loan Amount and Disbursement
Interest Rate and Calculation
Repayment Terms
Security and Collateral
Representations and Warranties
Covenants
Conditions Precedent
Events of Default
Remedies
Prepayment
Payment Mechanics
Set-off Rights
Tax Provisions
Costs and Expenses
Indemnification
Assignment and Transfer
Notices
Confidentiality
Force Majeure
Amendments and Waivers
Severability
Governing Law
Dispute Resolution
Electronic Execution
Counterparts
Entire Agreement
Third Party Rights
Time of Essence
Further Assurance
Guarantor Provisions
Default Interest
Cross Default
Interest Rate and Calculation
Repayment Terms
Security and Collateral
Representations and Warranties
Covenants
Conditions Precedent
Events of Default
Remedies
Prepayment
Payment Mechanics
Set-off Rights
Tax Provisions
Costs and Expenses
Indemnification
Assignment and Transfer
Notices
Confidentiality
Force Majeure
Amendments and Waivers
Severability
Governing Law
Dispute Resolution
Electronic Execution
Counterparts
Entire Agreement
Third Party Rights
Time of Essence
Further Assurance
Guarantor Provisions
Default Interest
Cross Default
Relevant Industries
Relevant Teams
Relevant Roles
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