Refinance Agreement for Singapore

Refinance Agreement Template for Singapore

A Refinance Agreement under Singapore law is a legally binding document that facilitates the replacement of an existing debt obligation with a new debt obligation under different terms. The agreement is governed by Singapore's Banking Act and related MAS regulations, including specific requirements for debt servicing ratios and lending practices. It outlines the terms of the new facility, security arrangements, and obligations of all parties involved, while ensuring compliance with Singapore's strict financial regulatory framework.

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What is a Refinance Agreement?

A Refinance Agreement is commonly used when borrowers seek to modify their existing debt obligations, typically to secure more favorable terms such as lower interest rates, extended repayment periods, or different security arrangements. Under Singapore law, these agreements must comply with strict regulatory requirements, including MAS guidelines on Total Debt Servicing Ratio (TDSR) and fair dealing principles. The document typically includes details of both the existing and new facilities, security arrangements, conditions precedent, and ongoing obligations of all parties involved.

What sections should be included in a Refinance Agreement?

1. Parties: Identification of all parties involved in the refinancing agreement

2. Background: Context of the refinancing, including details of existing facility being refinanced

3. Definitions: Key terms used throughout the agreement

4. Facility Terms: New loan amount, interest rate, tenure, and repayment terms

5. Conditions Precedent: Conditions that must be satisfied before refinancing takes effect

6. Security Arrangements: Details of collateral and security documents

7. Representations and Warranties: Statements of fact by borrower regarding their situation

8. Events of Default: Circumstances constituting default and consequences

What sections are optional to include in a Refinance Agreement?

1. Insurance Requirements: Required when specific insurance coverage is mandatory for property-backed refinancing

2. Guarantor Provisions: Terms relating to guarantors when third-party guarantees are involved

3. Property Covenants: Specific terms relating to property maintenance and use for property-backed refinancing

What schedules should be included in a Refinance Agreement?

1. Schedule 1 - Existing Facility Details: Details of the facility being refinanced

2. Schedule 2 - Security Documents: List and copies of security documents

3. Schedule 3 - Repayment Schedule: Detailed breakdown of repayment structure

4. Appendix A - Property Details: For property-backed refinancing

5. Appendix B - Required Insurance Coverage: Details of mandatory insurance requirements

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

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Free to use

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Relevant Industries

Banking and Financial Services
Real Estate
Commercial Lending
Consumer Finance

Relevant Teams

Finance
Treasury
Legal
Risk Management
Compliance

Relevant Roles

Chief Financial Officer
Finance Director
Treasury Manager
Legal Counsel
Credit Manager

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What is a Refinance Agreement?

What sections should be included in a Refinance Agreement?

What sections are optional to include in a Refinance Agreement?

What schedules should be included in a Refinance Agreement?

Authors

Alex Denne

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