The Loan Agreement With Car As Collateral is a essential document in Indonesian financing transactions where vehicles serve as security for loans. This agreement is commonly used by banks, finance companies, and other lending institutions when providing vehicle financing or general-purpose loans secured by vehicles. The document must comply with Indonesian Fiduciary Security Law and related regulations, requiring specific formalities including notarization and registration with the Fiduciary Registration Office. It includes comprehensive provisions covering loan terms, security arrangements, maintenance requirements, insurance obligations, and enforcement rights. The agreement is particularly relevant in both consumer and commercial contexts, serving various purposes from individual car loans to business fleet financing.
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1. Parties: Identifies the lender and borrower with their complete legal details including name, address, and ID/company registration numbers
2. Background: Sets out the context of the loan and the agreement to provide security over the vehicle
3. Definitions and Interpretation: Defines key terms used throughout the agreement and interpretation rules
4. Loan Amount and Purpose: Specifies the principal amount, purpose of the loan, and any conditions precedent
5. Interest and Fees: Details the interest rate, calculation method, and any applicable fees
6. Repayment Terms: Specifies repayment schedule, method of payment, and prepayment provisions
7. Security Arrangements: Details of the vehicle being used as collateral and fiduciary transfer arrangements
8. Representations and Warranties: Standard representations about legal capacity, vehicle ownership, and accuracy of information
9. Borrower Covenants: Ongoing obligations regarding vehicle maintenance, insurance, and usage restrictions
10. Events of Default: Lists circumstances constituting default and consequences
11. Enforcement Rights: Lender's rights and remedies upon default, including vehicle repossession
12. General Provisions: Standard clauses including notices, amendments, governing law, and dispute resolution
1. Insurance Requirements: Detailed section on insurance requirements if not covered in covenants - used for high-value vehicles
2. Security Trustee Provisions: Required when there are multiple lenders or syndicated loan arrangement
3. Cross-Default Provisions: Used when the borrower has multiple loans with the same lender
4. Guarantor Provisions: Required when there is a third-party guarantor for the loan
5. Registration Requirements: Detailed section on fiduciary registration if complex requirements apply
1. Schedule 1 - Vehicle Details: Detailed description of the vehicle including make, model, year, color, engine/chassis numbers
2. Schedule 2 - Repayment Schedule: Detailed amortization schedule showing payment dates and amounts
3. Schedule 3 - Vehicle Documents: List of vehicle ownership documents and registration papers
4. Schedule 4 - Insurance Requirements: Detailed insurance specifications and minimum coverage requirements
5. Schedule 5 - Form of Fiduciary Transfer: Standard form for fiduciary transfer declaration required under Indonesian law
6. Appendix A - Power of Attorney: Standard form of power of attorney for vehicle-related matters
7. Appendix B - Condition Report: Initial condition report of the vehicle at time of agreement
Authors
Relevant legal definitions
Clauses
Relevant Industries
Financial Services
Banking
Automotive
Transportation
Logistics
Fleet Management
Insurance
Legal Services
Consumer Finance
Asset Finance
Relevant Teams
Legal
Finance
Credit
Risk Management
Compliance
Operations
Collections
Treasury
Business Development
Customer Relations
Document Management
Asset Management
Relevant Roles
Finance Manager
Credit Officer
Legal Counsel
Compliance Officer
Risk Manager
Loan Officer
Collections Manager
Credit Analyst
Contract Administrator
Fleet Manager
Treasury Manager
Operations Manager
Business Development Manager
Relationship Manager
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