1. Early Repayment: Terms for early repayment of the loan, including any penalties or benefits

2. Assignment: Conditions under which the agreement or rights may be assigned to third parties

3. Co-signers/Guarantors: Include when there are additional parties guaranteeing the loan

4. Insurance Requirements: Specify when the Borrower must maintain specific insurance coverage

5. Change of Control: Include for corporate borrowers to address ownership changes

6. Further Advances: Terms for additional loan amounts under the same agreement

7. Debt Subordination: Include when the loan needs to be subordinated to other debt

8. Joint and Several Liability: Include when there are multiple borrowers

1. Repayment Schedule: Detailed amortization table showing payment dates, amounts, and interest calculations

2. Security Details: Detailed description of security/collateral including registration numbers and values

3. Conditions Precedent Checklist: List of documents and conditions required before loan disbursement

4. Fee Schedule: Breakdown of all applicable fees and charges

5. Standard Form Declarations: Required declarations under the National Credit Act

6. Disclosure Statement: Statutory pre-agreement disclosure as required by the NCA

7. KYC Requirements: List of required documents for Know Your Customer compliance