The Loan Agreement Contract serves as the primary documentation for lending transactions in the United States, governed by both federal and state regulations. This document is essential when any party is lending money to another, whether in a commercial, corporate, or private context. The agreement includes crucial elements such as loan amount, interest calculations, payment schedules, default provisions, and security arrangements. It ensures compliance with various regulations including the Truth in Lending Act, Equal Credit Opportunity Act, and state-specific usury laws. The document is designed to protect both lender and borrower by clearly defining their rights, obligations, and remedies throughout the loan term.
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1. Parties: Identifies and defines the lender and borrower with full legal names and addresses
2. Background/Recitals: States the context and purpose of the loan agreement
3. Definitions: Defines key terms used throughout the agreement
4. Loan Amount and Purpose: Specifies the principal amount and intended use of the loan
5. Interest Rate: Details the interest rate, calculation method, and APR disclosures
6. Repayment Terms: Outlines payment schedule, amounts, and methods
7. Events of Default: Lists circumstances constituting default and consequences
8. Representations and Warranties: Statements of fact by parties about their status and capacity
9. Governing Law: Specifies jurisdiction and applicable law
1. Security: Details of collateral if loan is secured - used for secured loans only
2. Guarantees: Terms of any third-party guarantees - used when loan involves guarantors
3. Insurance Requirements: Required insurance coverage for collateral - used for secured loans with valuable collateral
4. Prepayment Provisions: Terms for early repayment - used if early repayment is allowed or penalized
1. Repayment Schedule: Detailed payment calendar with amounts and dates
2. Security Details: Detailed description of collateral and security arrangements
3. Insurance Certificates: Copies of required insurance policies
4. Financial Statements: Borrower's financial information if required
5. Guarantor Documents: Additional documentation for guarantors if applicable
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