The Loan On Rent Agreement is a specialized legal instrument designed for situations where parties wish to combine property rental with financing arrangements in the United Arab Emirates. This document is particularly useful when traditional lease or loan arrangements alone do not meet the parties' needs, such as in cases of rent-to-own scenarios or when businesses require both property access and financing. The agreement must comply with various UAE regulations, including Federal Law No. 5 of 1985 (Civil Code), UAE Federal Law No. 14 of 2018 (Central Bank Law), and local emirate rental laws. It typically includes detailed provisions for both the loan component (principal, interest, repayment terms) and the rental aspect (property details, tenure, maintenance), while ensuring all terms align with UAE Sharia-compliant financing principles where applicable.
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1. Parties: Identification of the Lender/Landlord and Borrower/Tenant, including full legal names, addresses, and relevant registration details
2. Background: Context of the agreement, relationship between parties, and purpose of the loan-rent arrangement
3. Definitions: Detailed definitions of key terms used throughout the agreement
4. Loan Terms: Specific details of the loan including principal amount, interest rate, and repayment terms
5. Rental Terms: Details of the rental arrangement including property description, rental period, and rental amount
6. Payment Terms: Combined payment structure for both loan repayment and rent, including payment schedules and methods
7. Security and Deposit: Details of security deposits, guarantees, and any collateral arrangements
8. Maintenance and Repairs: Responsibilities for property maintenance and repairs during the rental period
9. Insurance Requirements: Mandatory insurance coverage for both the property and loan security
10. Default and Remedies: Consequences of default on either loan or rental payments and available remedies
11. Termination: Conditions and procedures for early termination of the agreement
12. Governing Law and Jurisdiction: Specification of UAE law application and jurisdiction for dispute resolution
1. Property Usage Terms: Specific terms regarding property usage, relevant for commercial properties or properties with special conditions
2. Guarantor Provisions: Terms relating to guarantors, if required for the loan or rental arrangement
3. Subletting Provisions: Terms regarding subletting rights and conditions, if permitted
4. Property Modifications: Terms regarding permitted and prohibited modifications to the property
5. Assignment Rights: Terms regarding the right to assign the agreement to third parties
6. Force Majeure: Provisions for unforeseen circumstances affecting either the loan or rental aspects
1. Schedule 1 - Property Details: Detailed description of the rental property including location, size, and included fixtures/fittings
2. Schedule 2 - Payment Schedule: Detailed breakdown of loan repayment and rental payment schedules
3. Schedule 3 - Condition Report: Initial condition report of the property with photographs and descriptions
4. Schedule 4 - Permitted Uses: Detailed list of permitted uses of the property
5. Schedule 5 - Insurance Requirements: Detailed specifications of required insurance coverage
6. Appendix A - Required Documents: List of required documents including identity proofs, licenses, and registrations
7. Appendix B - Property Rules and Regulations: Specific rules and regulations applicable to the property usage
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Commercial Property
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Retail
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Industrial
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Small Business
Relevant Teams
Legal
Finance
Real Estate
Compliance
Risk Management
Property Management
Corporate Services
Operations
Credit Administration
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Relevant Roles
Legal Counsel
Property Manager
Financial Controller
Real Estate Manager
Compliance Officer
Contract Administrator
Risk Manager
Finance Director
Real Estate Director
Property Lease Administrator
Credit Manager
Facilities Manager
Corporate Counsel
Chief Financial Officer
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