The Money Lending Agreement is a crucial document used in Singapore when a licensed moneylender provides financing to individuals or businesses. It must strictly comply with Singapore's Moneylenders Act and associated regulations, which provide robust consumer protections and specific requirements for interest rates, fees, and disclosures. This agreement details the loan amount, repayment schedule, interest calculations, borrower obligations, and default consequences, while incorporating mandatory cooling-off periods and borrowing limits established by Singapore law.
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Key Requirements PROMPT example:
Money Lending Agreement
"I need a Money Lending Agreement for a secured business loan of SGD 150,000 to be disbursed in March 2025, with monthly repayments over 24 months and the borrower's commercial property as collateral."
1. Parties: Identification of lender and borrower with full details
2. Background: Context of the loan and relationship between parties
3. Definitions: Key terms used tHRoughout the agreement
4. Loan Amount and Purpose: Specified amount and intended use of funds
5. Interest Rate and Fees: Detailed breakdown of interest rates and applicable fees in compliance with Moneylenders Act caps
6. Repayment Terms: Schedule, method, and conditions of repayment
7. Events of Default: Circumstances constituting default and consequences
8. Representations and Warranties: Statements of fact by borrower regarding their capacity and circumstances
9. Covenants: Ongoing obligations of the borrower during the loan term
10. Termination: Circumstances and process for terminating the agreement
1. Security: Details of any collateral, to be included when loan is secured
2. Guarantor Provisions: Terms and obligations of guarantor, when a guarantor is involved in the loan
3. Insurance Requirements: Specific insurance requirements and terms, when insurance is required for the loan
4. Early Repayment: Terms and conditions for early loan settlement, if permitted
1. Repayment Schedule: Detailed payment timeline with amounts and due dates
2. Fee Schedule: Comprehensive breakdown of all applicable fees and charges
3. Disclosure Statement: MaNDAtory disclosure of key terms as required by Singapore Moneylenders Act
4. Security Details: Detailed description of collateral and security arrangements (if applicable)
5. Notice and Acknowledgment Form: Standard form acknowledging borrower's understanding of terms as required by regulations
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