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1. Security: Required when the loan is secured against specific assets or requires a guarantor

2. Insurance Requirements: Included when loan insurance is required or offered

3. Tax Implications: Added when there are specific tax consequences that need to be acknowledged

4. Grace Period: Included when a grace period before first repayment is offered

5. Special Repayment Conditions: Used when there are performance-based or other special conditions affecting repayment

6. Bonus Treatment: Required when loan repayments may be affected by or linked to bonus payments

7. Transfer Provisions: Needed when the agreement needs to address potential international transfers or secondments

1. Repayment Schedule: Detailed schedule showing dates and amounts of all required repayments

2. Loan Calculation Details: Breakdown of interest calculations and total amount repayable

3. Salary Deduction Form: Standard form authorizing specific deductions from salary

4. Employee Benefits Policy Extract: Relevant sections of the company's employee benefits policy relating to staff loans

5. Tax Treatment Summary: Summary of tax implications and benefit-in-kind calculations

6. Early Repayment Calculation Method: Detailed explanation of how early repayment amounts will be calculated