The Money Lending Form Template serves as a standardized framework for documenting loan agreements in the United Arab Emirates. It is designed to comply with UAE Federal Law No. 14 of 2018 (Central Bank Law), Civil Transactions Law, and other relevant banking regulations. This template is suitable for various lending scenarios, from simple personal loans to complex corporate financing arrangements, and can be adapted for both conventional and Islamic financing structures. The document incorporates essential provisions for loan amount, interest/profit calculations, repayment terms, security arrangements, and default mechanisms, all aligned with UAE legal requirements. It includes necessary safeguards to protect both lender and borrower interests while ensuring enforceability under UAE law.
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1. Parties: Identification of the Lender and Borrower with full legal names, addresses, and registration details if applicable
2. Background: Context of the loan agreement and brief description of the parties' intentions
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the principal amount and permitted use of the loan funds
5. Interest Rate and Profit: Details of applicable interest rates or profit rates (for Islamic financing), calculation methods, and payment periods
6. Repayment Terms: Schedule of repayments, payment methods, and prepayment provisions
7. Conditions Precedent: Conditions that must be satisfied before the loan is disbursed
8. Representations and Warranties: Statements of fact and assurances given by the Borrower
9. Borrower's Covenants: Ongoing obligations and restrictions on the Borrower during the loan term
10. Events of Default: Circumstances that constitute default and their consequences
11. Remedies: Lender's rights and remedies in case of default
12. Governing Law and Jurisdiction: Specification of UAE law as governing law and jurisdiction for disputes
1. Security Arrangements: Details of any collateral or security provided - include when loan is secured
2. Guarantees: Terms of any personal or corporate guarantees - include when guarantors are involved
3. Insurance Requirements: Mandatory insurance coverage for secured assets - include for secured loans
4. Islamic Finance Provisions: Specific provisions for Sharia compliance - include for Islamic financing structures
5. Cross-Default: Provisions linking default to other financial agreements - include for corporate borrowers
6. Assignment and Transfer: Rights to assign or transfer the loan - include for institutional lenders
7. Joint and Several Liability: Provisions for multiple borrowers - include when there is more than one borrower
8. Foreign Currency Provisions: Exchange rate and currency risk provisions - include for non-AED denominated loans
1. Repayment Schedule: Detailed amortization table showing payment dates and amounts
2. Security Details: Comprehensive description of any security or collateral
3. Conditions Precedent Documents: List of required documents and conditions to be satisfied
4. Fee Schedule: Breakdown of all applicable fees and charges
5. Form of Drawdown Notice: Template for requesting loan disbursement
6. KYC Requirements: List of required identity and verification documents
7. Related Party Details: Information about guarantors or other related parties
8. Calculation of Profit Rate: Detailed methodology for calculating interest/profit rates
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Real Estate
Construction
Manufacturing
Retail
Healthcare
Education
Technology
Hospitality
Trading
Professional Services
Small and Medium Enterprises
Islamic Finance
Relevant Teams
Legal
Compliance
Credit Risk
Corporate Banking
Retail Banking
Islamic Banking
Operations
Finance
Treasury
Risk Management
Documentation
Regulatory Affairs
Relevant Roles
Legal Counsel
Compliance Officer
Credit Manager
Relationship Manager
Risk Officer
Finance Manager
Corporate Treasurer
Banking Operations Manager
Chief Financial Officer
Legal Director
Loan Officer
Credit Analyst
Islamic Finance Specialist
Contract Administrator
Banking Executive
Financial Controller
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