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1. Parties: Identification and details of the Lender-Landlord and Borrower-Tenant, including registration/ID numbers and addresses
2. Background: Context of the agreement, explaining the dual nature of the loan-lease arrangement
3. Definitions and Interpretation: Definitions of key terms used in the agreement and rules for interpretation
4. Loan Terms: Details of the loan amount, interest rate, repayment terms and schedule in compliance with the National Credit Act
5. Lease Terms: Property description, rental period, rental amount, and basic terms of occupation
6. Payment Terms: Combined payment structure for loan repayment and rental payments, including payment methods and dates
7. Property Use and Maintenance: Tenant's obligations regarding property use, maintenance responsibilities of both parties
8. Insurance and Risk: Requirements for property insurance and allocation of risk
9. Security and Deposits: Details of any security deposits, collateral or guarantees required
10. Default and Remedies: Consequences of default on either loan or lease obligations, remedies available to either party
11. Termination: Conditions and procedures for termination of the agreement
12. General Provisions: Standard clauses including notices, governing law, jurisdiction, and entire agreement
1. Special Payment Arrangements: Used when there are non-standard payment terms or arrangements
2. Property Improvements: Include when the agreement allows for or requires specific improvements to the property
3. Third-Party Guarantees: Required when there are additional guarantors for the loan or lease obligations
4. Property Management: Include when a separate property manager is involved
5. Subletting Provisions: Include if subletting is permitted under specific conditions
6. Special Purpose Use: Include when the property is being used for specific business or commercial purposes
7. Break Clause: Optional early termination provisions under specific circumstances
1. Schedule A - Property Description: Detailed description of the property including plans, photographs, and specifications
2. Schedule B - Payment Schedule: Detailed breakdown of loan repayments and rental payments, including amortization schedule
3. Schedule C - Property Condition Report: Detailed report on the condition of the property at commencement of lease
4. Schedule D - Property Rules and Regulations: Specific rules and regulations for property use and maintenance
5. Schedule E - Insurance Requirements: Detailed insurance requirements and specifications
6. Appendix 1 - Property Certificates: Copies of relevant property certificates, compliance certificates
7. Appendix 2 - Credit Assessment: Mandatory credit assessment documentation as required by the National Credit Act
Applicable Laws
Business Day
Commencement Date
Common Areas
Consumer Protection Act
Credit Provider
Default Interest Rate
Deposit
Effective Date
Emergency Repairs
Encumbrance
Event of Default
Financial Year
Fixed Term
Governing Law
Improvements
Initial Period
Interest Rate
Lease Period
Loan Amount
Loan Term
Maintenance
National Credit Act
Operating Costs
Payment Date
Permitted Use
Premises
Principal Debt
Property
Rates and Taxes
Rental
Rental Housing Act
Repayment Schedule
Security
Security Deposit
Services
Signature Date
Term
Termination Date
The Lender-Landlord
The Borrower-Tenant
Utilities
VAT
Loan Terms
Credit Assessment
Interest Rate
Repayment Terms
Property Description
Lease Terms
Rental Payments
Security
Property Use
Maintenance and Repairs
Insurance
Default
Breach
Termination
Assignment
Force Majeure
Property Access
Utilities and Services
Alterations and Improvements
Compliance with Laws
Risk and Liability
Indemnification
Dispute Resolution
Notices
Costs
Governing Law
Good Standing
Representations and Warranties
Entire Agreement
Severability
Variation
Cession and Assignment
Subletting
Property Management
Occupation
Payment Terms
Security Deposit
Registration and Compliance
Quiet Enjoyment
Real Estate
Financial Services
Banking
Property Management
Residential Property
Commercial Property
Property Development
Asset Management
Property Investment
Legal
Finance
Real Estate
Property Management
Credit Risk
Compliance
Operations
Asset Management
Risk Management
Property Operations
Property Manager
Financial Manager
Legal Counsel
Real Estate Manager
Credit Manager
Lease Administrator
Asset Manager
Property Portfolio Manager
Risk Manager
Compliance Officer
Real Estate Attorney
Finance Director
Property Operations Manager
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