The Unsecured Loan Contract is essential for documenting lending arrangements where no collateral is provided as security. Commonly used in Singapore for personal loans, business financing, and consumer lending, this contract type must comply with strict regulatory requirements under Singapore law, including interest rate caps and mandatory disclosure requirements. The document captures crucial elements such as loan amount, interest calculations, repayment schedules, and default provisions, while incorporating consumer protection measures required by Singapore's financial regulations.
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1. Parties: Identification of lender and borrower with full details
2. Background: Context of the loan arrangement
3. Definitions: Key terms used throughout the agreement
4. Loan Amount and Purpose: Specified amount and intended use of funds
5. Interest Rate: Agreed interest rate and calculation method
6. Repayment Terms: Payment schedule and method
7. Default Provisions: Consequences of payment default
8. Representations and Warranties: Borrower's declarations regarding financial status
1. Early Repayment: Terms for early loan settlement when early repayment is allowed
2. Insurance Requirements: Required insurance coverage for larger loans or specific risk scenarios
3. Security Interest: Additional security arrangements when partial security is provided despite being primarily unsecured
1. Repayment Schedule: Detailed payment dates and amounts
2. Interest Calculation Examples: Illustrations of interest calculations
3. Fee Schedule: List of applicable fees and charges
4. KYC Documents: Copies of identification and verification documents
Relevant legal definitions
Agreement
Applicable Law
Banking Day
Borrower
Business Day
Default Event
Default Interest Rate
Default Notice
Disbursement Date
Due Date
Early Repayment
Effective Date
Event of Default
Final Repayment Date
Interest Period
Interest Rate
Late Payment Fee
Lender
Loan
Loan Amount
Loan Period
Material Adverse Effect
Maturity Date
Outstanding Amount
Party/Parties
Payment Date
Prepayment
Principal Amount
Processing Fee
Repayment Schedule
SGD
Singapore Dollars
Term
Transaction Documents
Applicable Law
Banking Day
Borrower
Business Day
Default Event
Default Interest Rate
Default Notice
Disbursement Date
Due Date
Early Repayment
Effective Date
Event of Default
Final Repayment Date
Interest Period
Interest Rate
Late Payment Fee
Lender
Loan
Loan Amount
Loan Period
Material Adverse Effect
Maturity Date
Outstanding Amount
Party/Parties
Payment Date
Prepayment
Principal Amount
Processing Fee
Repayment Schedule
SGD
Singapore Dollars
Term
Transaction Documents
Clauses
Loan Amount and Disbursement
Interest Rate and Calculation
Repayment Terms
Representations and Warranties
Default and Acceleration
Early Repayment
Fees and Charges
Payments
Events of Default
Remedies
Borrower Covenants
Conditions Precedent
Notices
Assignment
Confidentiality
Data Protection
Force Majeure
Governing Law
Dispute Resolution
Amendments
Severability
Entire Agreement
Counterparts
Third Party Rights
Further Assurance
Costs and Expenses
Waiver
Set-off Rights
Term and Termination
Interest Rate and Calculation
Repayment Terms
Representations and Warranties
Default and Acceleration
Early Repayment
Fees and Charges
Payments
Events of Default
Remedies
Borrower Covenants
Conditions Precedent
Notices
Assignment
Confidentiality
Data Protection
Force Majeure
Governing Law
Dispute Resolution
Amendments
Severability
Entire Agreement
Counterparts
Third Party Rights
Further Assurance
Costs and Expenses
Waiver
Set-off Rights
Term and Termination
Relevant Industries
Relevant Teams
Relevant Roles
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