1. Guarantor Provisions: Required when a third party guarantees the loan, detailing guarantor's obligations and liabilities

2. Insurance Requirements: Include when borrower is required to maintain specific insurance coverage

3. Early Repayment Terms: Terms for early loan repayment, including any penalties or benefits

4. Assignment and Transfer: Include if either party may need to transfer their rights or obligations

5. Islamic Banking Compliance: Required for Shariah-compliant loans, replacing conventional interest provisions with profit-sharing mechanisms

6. Co-borrower Provisions: Include when there are multiple borrowers, detailing joint and several liability

7. Electronic Communications: Include if parties agree to use electronic communications for notices and statements

1. Repayment Schedule: Detailed amortization table showing payment dates, installment amounts, and principal/interest breakdown

2. Security Details: Detailed description and documentation of collateral or security provided

3. Know Your Customer (KYC) Documents: Copies of required identification documents, proof of income, and address verification

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

5. Direct Debit Authorization: Bank account details and authorization for automatic payments

6. Income and Expense Statement: Borrower's financial information used for loan assessment