The Credit Application Agreement serves as the fouNDAtional document for establishing credit relationships in Singapore's regulated financial environment. This agreement is essential when any individual or entity seeks credit facilities from a licensed provider, whether for personal, business, or specific-purpose financing. The document must comply with strict regulatory requirements set by the Monetary Authority of Singapore (MAS) and includes comprehensive details about credit terms, interest calculations, repayment schedules, and borrower obligations. It's designed to protect both the credit provider and applicant while ensuring transparency and fairness in accordance with Singapore's consumer protection framework.
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Key Requirements PROMPT example:
Credit Application Agreement
"Need a Credit Application Agreement for a new small business lending program launching in March 2025, with specific focus on incorporating MAS requirements for SME lending and including provisions for both physical and online applications in Singapore."
1. Parties: Identification of credit provider and applicant
2. Background: Context of the credit application and relationship between parties
3. Definitions: Key terms used tHRoughout the agreement
4. Credit Facility Terms: Amount, purpose, and terms of the credit facility
5. Interest and Fees: Interest rates, calculation methods, and applicable fees
6. Repayment Terms: Payment schedule, methods, and obligations
7. Representations and Warranties: Declarations by the applicant regarding their financial position
8. Events of Default: Circumstances constituting default and consequences
1. Security Arrangements: Details of any collateral or security provided - include when credit facility requires security
2. Insurance Requirements: MaNDAtory insurance coverage details - include when insurance is required for the credit facility
3. Joint Applicants: Terms specific to joint applications - include when there are multiple applicants
1. Schedule 1: Facility Details: Detailed breakdown of credit facility terms
2. Schedule 2: Fee Schedule: Comprehensive list of applicable fees and charges
3. Appendix A: Required Documents: List of documents required for credit application
4. Appendix B: Personal Data Protection Terms: Detailed terms regarding handling of personal data
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