The Loan Agreement Form serves as the primary legal document governing the lending relationship between parties in the United States. This contract type is essential for protecting both lender and borrower interests by clearly defining loan terms, repayment obligations, and consequences of default. It must incorporate federal requirements including TILA disclosures, ECOA compliance, and state-specific usury limits. The agreement is commonly used for various purposes including personal loans, business financing, real estate transactions, and asset purchases, providing a clear framework for the lending arrangement while ensuring regulatory compliance.
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1. Parties: Identification of lender and borrower with full legal names and addresses
2. Background: Context of the loan and purpose
3. Definitions: Key terms used throughout the agreement
4. Loan Amount and Terms: Principal amount, interest rate, and repayment terms
5. Repayment Schedule: Details of payment dates, amounts, and methods
6. Events of Default: Circumstances constituting default and consequences
7. Representations and Warranties: Statements of fact by borrower regarding their situation
8. Covenants: Ongoing obligations of the borrower during the loan term
9. Governing Law: Specification of jurisdiction and applicable law
10. Notices: How and where formal communications between parties should be made
1. Security: Details of collateral if loan is secured - include for secured loans only
2. Guarantees: Details of any third-party guarantees - include when loan has guarantors
3. Insurance Requirements: Required insurance coverage for secured assets - include for secured loans with specific insurance requirements
4. Conditions Precedent: Conditions that must be satisfied before loan disbursement - include for complex commercial loans
5. Assignment and Transfer: Rights to assign or transfer the loan - include for transferable loans
1. Schedule A - Repayment Schedule: Detailed amortization table showing payment breakdown
2. Schedule B - Security Details: Detailed description of any collateral and security arrangements
3. Schedule C - Truth in Lending Disclosure: Federal and state-required lending disclosures
4. Schedule D - Conditions Precedent: List of conditions to be satisfied before loan disbursement
5. Schedule E - Form of Compliance Certificate: Template for periodic compliance certification by borrower
Relevant legal definitions
Agreement
Applicable Law
Borrower
Business Day
Closing Date
Collateral
Default
Default Rate
Event of Default
Interest Rate
Interest Payment Date
Lender
Loan
Loan Amount
Maturity Date
Note
Payment Date
Permitted Liens
Principal
Repayment Schedule
Security Interest
Term
Transaction Documents
Prepayment
Guarantor
Material Adverse Effect
Outstanding Balance
Security Documents
Late Payment Fee
Governing Law
Applicable Law
Borrower
Business Day
Closing Date
Collateral
Default
Default Rate
Event of Default
Interest Rate
Interest Payment Date
Lender
Loan
Loan Amount
Maturity Date
Note
Payment Date
Permitted Liens
Principal
Repayment Schedule
Security Interest
Term
Transaction Documents
Prepayment
Guarantor
Material Adverse Effect
Outstanding Balance
Security Documents
Late Payment Fee
Governing Law
Clauses
Loan Amount and Terms
Interest Rate and Calculation
Repayment Terms
Security and Collateral
Representations and Warranties
Covenants
Events of Default
Remedies
Prepayment
Payment Terms
Late Payment
Assignment
Notices
Amendments
Severability
Governing Law
Jurisdiction
Entire Agreement
Force Majeure
Confidentiality
Indemnification
Insurance
Tax
Guarantees
Further Assurances
Waiver
Survival
Counterparts
Set-off Rights
Acceleration
Interest Rate and Calculation
Repayment Terms
Security and Collateral
Representations and Warranties
Covenants
Events of Default
Remedies
Prepayment
Payment Terms
Late Payment
Assignment
Notices
Amendments
Severability
Governing Law
Jurisdiction
Entire Agreement
Force Majeure
Confidentiality
Indemnification
Insurance
Tax
Guarantees
Further Assurances
Waiver
Survival
Counterparts
Set-off Rights
Acceleration
Relevant Industries
Relevant Teams
Relevant Roles
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