A Loan Purchase Agreement is essential for financial institutions engaging in loan portfolio transactions in Indonesia. This document is typically used when banks, financial institutions, or investment companies wish to transfer loan assets, whether for portfolio management, regulatory compliance, or strategic purposes. The agreement must comply with Indonesian banking regulations, particularly Law No. 7 of 1992 as amended by Law No. 10 of 1998 on Banking, and OJK requirements. It covers crucial elements including detailed portfolio information, purchase price mechanics, transfer procedures, regulatory approvals, and borrower notification requirements. The document is particularly relevant in scenarios involving non-performing loan sales, strategic portfolio restructuring, or when financial institutions are looking to optimize their asset allocation.
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1. Parties: Identification of the Seller and Purchaser, including their complete legal names, registration numbers, and addresses
2. Background: Context of the transaction, description of the loan portfolio, and purpose of the agreement
3. Definitions and Interpretation: Definitions of key terms and interpretation rules, including Indonesian law-specific terms
4. Sale and Purchase: Core transaction terms including the agreement to sell and purchase the loans
5. Purchase Price and Payment: Details of the purchase price, calculation method, and payment terms
6. Conditions Precedent: Conditions that must be satisfied before completion, including regulatory approvals
7. Completion: Mechanics and timing of the transfer, including documentation requirements
8. Transfer Mechanics: Process for transferring the loans, including notification requirements under Indonesian law
9. Representations and Warranties: Standard and loan-specific warranties from both parties
10. Seller's Undertakings: Ongoing obligations of the Seller post-completion
11. Purchaser's Undertakings: Ongoing obligations of the Purchaser post-completion
12. Indemnities: Indemnification provisions for breach of warranties or obligations
13. Confidentiality: Provisions regarding confidential information and announcements
14. Governing Law and Jurisdiction: Confirmation of Indonesian law and jurisdiction arrangements
15. Miscellaneous: Standard boilerplate provisions including notices, amendments, and severability
1. Security Arrangements: Required if any security interests are being transferred with the loans
2. Tax Provisions: Detailed tax provisions required if complex tax implications exist
3. Foreign Exchange Provisions: Required if the transaction involves foreign currency or cross-border elements
4. Data Protection: Required if personal data is involved in the loan portfolio
5. Consumer Protection Provisions: Required if the loan portfolio includes consumer loans
6. Regulatory Compliance: Specific section on OJK compliance if required by the nature of the loans
7. Post-Completion Servicing: Required if the Seller will continue servicing the loans post-transfer
1. Schedule 1 - Loan Portfolio Details: Detailed list and information about each loan being transferred
2. Schedule 2 - Form of Transfer Documents: Ƶ for transfer documentation required under Indonesian law
3. Schedule 3 - Completion Requirements: Checklist of documents and actions required for completion
4. Schedule 4 - Seller's Power of Attorney: Form of power of attorney for executing transfer documents
5. Schedule 5 - Form of Notices: Ƶ for notices to borrowers and other relevant parties
6. Schedule 6 - Security Details: Details of any security interests attached to the loans
7. Appendix A - Calculation of Purchase Price: Methodology and formula for calculating the final purchase price
8. Appendix B - Due Diligence Findings: Summary of key due diligence findings and disclosed matters
Authors
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Asset Management
Investment Management
Debt Collection
Private Equity
Corporate Finance
Consumer Finance
Real Estate Finance
Infrastructure Finance
Relevant Teams
Legal
Finance
Risk Management
Compliance
Credit Administration
Portfolio Management
Treasury
Corporate Banking
Investment
Due Diligence
Asset Management
Recovery
Relevant Roles
Chief Financial Officer
Head of Legal
Legal Counsel
Risk Manager
Portfolio Manager
Credit Manager
Compliance Officer
Transaction Manager
Investment Director
Asset Manager
Finance Director
Head of Corporate Banking
Treasury Manager
Due Diligence Officer
Recovery Manager
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