The Credit Application And Agreement is a fundamental document in Singapore's financial services sector, used when establishing credit facilities between financial institutions and borrowers. It serves the dual purpose of gathering necessary information for credit assessment and establishing the contractual framework for the credit facility. This document is essential for compliance with Singapore's regulatory requirements, including MAS guidelines, Banking Act provisions, and consumer protection measures. It typically includes detailed terms about the facility, repayment obligations, security arrangements, and default provisions, while ensuring adherence to data protection and privacy laws.
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Key Requirements PROMPT example:
Credit Application And Agreement
"Need a Credit Application And Agreement for a new small business loan facility of SGD 500,000, with quarterly repayments over 5 years, starting from March 2025, including personal guarantee provisions and inventory as collateral."
1. Parties: Identification of the 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 Details: Amount, purpose, and type of credit facility
5. Interest and Fees: Interest rates, calculation methods, and applicable fees
6. Repayment Terms: Payment schedule, methods, and conditions
7. Security: Collateral requirements and security arrangements
8. Events of Default: Circumstances constituting default and consequences
9. Representations and Warranties: Statements of fact and assurances by the applicant
1. Insurance Requirements: Required insurance coverage when credit facility requires specific insurance protection
2. Guarantor Provisions: Terms applicable to guarantors when a guarantor is involved in the credit arrangement
3. Special Conditions: Additional terms specific to the facility for non-standard credit arrangements
1. Schedule 1 - Facility Details: Detailed breakdown of credit facility terms
2. Schedule 2 - Fee Schedule: Comprehensive list of applicable fees and charges
3. Schedule 3 - Repayment Schedule: Detailed payment schedule with dates and amounts
4. Appendix A - Application Form: Standard credit application form with required information
5. Appendix B - Required Documents: List of supporting documents required
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