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Loan Agreement Between Lender And Borrower

Loan Agreement Between Lender And Borrower Generator for United Arab Emirates

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Key Requirements PROMPT example:

Loan Agreement Between Lender And Borrower

"I need a Loan Agreement Between Lender And Borrower for a UAE-based commercial property development loan of AED 10 million, with quarterly repayments over 5 years starting March 2025, that includes both conventional and Islamic finance options."

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Document background
The Loan Agreement Between Lender And Borrower is a fundamental financial document used in the United Arab Emirates for establishing legally binding lending arrangements. This document is essential for any financing transaction in the UAE, whether for corporate funding, project finance, or personal loans. It must comply with UAE Federal Law No. 5 of 1985 (Civil Code), UAE Federal Law No. 18 of 1993 (Commercial Code), and UAE Central Bank regulations. The agreement can be structured either as a conventional loan or modified to meet Islamic finance requirements, making it versatile for various financing needs. It includes comprehensive provisions for loan terms, security arrangements, repayment schedules, and enforcement mechanisms, while ensuring compliance with local legal requirements and optional Sharia principles.
Suggested Sections

1. Parties: Identification and details of the Lender and Borrower, including full legal names, addresses, and registration details if companies

2. Background: Context of the loan agreement and brief description of the parties' intentions

3. Definitions and Interpretation: Definitions of key terms used throughout the agreement and rules of interpretation

4. The Facility: Details of the loan amount, purpose, and drawdown mechanisms

5. Interest/Profit Rate: Specification of interest or profit rate (structured in compliance with UAE law), calculation method, and payment terms

6. Repayment Terms: Schedule of repayments, payment methods, and prepayment provisions

7. Conditions Precedent: Conditions that must be satisfied before the loan becomes available

8. Representations and Warranties: Statements of fact and assurances given by the Borrower

9. Borrower Covenants: Positive and negative obligations of the Borrower during the loan term

10. Events of Default: Circumstances that would constitute a default and consequences thereof

11. Security: Details of any security or collateral provided for the loan

12. Payments: Payment mechanics, currency, and treatment of non-business days

13. Changes to Parties: Rules regarding assignment and transfer of rights and obligations

14. Notices: Communication methods and contact details for formal notices

15. Governing Law and Jurisdiction: Specification of UAE law as governing law and jurisdiction for disputes

Optional Sections

1. Guarantor Provisions: Used when a third party guarantees the loan, detailing guarantor obligations and limits

2. Islamic Finance Provisions: Required for Sharia-compliant structures, replacing conventional interest with acceptable profit mechanisms

3. Security Agent Provisions: Needed in syndicated loans or where security is held by an agent

4. Multiple Borrower Provisions: Required when there are multiple borrowers, addressing joint and several liability

5. Purpose: Detailed section on loan purpose when restrictions on use of funds are required

6. Tax Provisions: Extended tax clauses when cross-border elements exist

7. Currency Provisions: Required when loan or repayments involve multiple currencies

8. Late Payment Charges: Specific provisions for late payment structured to comply with UAE and Sharia law

Suggested Schedules

1. Repayment Schedule: Detailed schedule of repayment dates and amounts

2. Conditions Precedent Documents: List of required documents and conditions to be satisfied before drawdown

3. Form of Drawdown Request: Template for the Borrower to request loan disbursement

4. Security Documents: Forms of security documents and details of collateral

5. Fee Schedule: Breakdown of all applicable fees and charges

6. Form of Compliance Certificate: Template for periodic compliance certification by Borrower

7. Calculation of Interest/Profit: Detailed methodology for calculating interest/profit

8. Contact Details: Comprehensive list of contact details for all parties

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant legal definitions
Agreement
Applicable Law
Authorization
Available Facility
Banking Day
Borrower
Business Day
Change of Control
Collateral
Commitment
Conditions Precedent
Default
Default Rate
Drawdown Date
Drawdown Notice
Encumbrance
Event of Default
Facility
Finance Documents
Financial Indebtedness
Financial Statements
Governing Law
Group
Guarantee
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Islamic Finance Provisions
Lender
Loan
Material Adverse Effect
Maturity Date
Outstanding Amount
Party/Parties
Payment Date
Permitted Security
Potential Default
Profit Rate
Prohibited Activity
Repayment Date
Repayment Schedule
Security
Security Agent
Security Documents
Sharia Compliance
Subsidiary
Tax
UAE
UAE Dirham/AED
Clauses
Parties and Definitions
Facility Terms
Conditions Precedent
Drawdown
Interest/Profit Rate
Repayment
Prepayment
Security
Representations and Warranties
Covenants
Events of Default
Acceleration
Payment Mechanics
Set-off
Assignment and Transfer
Costs and Expenses
Indemnities
Notices
Amendments and Waivers
Severability
Counterparts
Confidentiality
Islamic Finance Compliance
Anti-Money Laundering
Force Majeure
Tax
Currency
Financial Statements
Information Undertakings
Security Enforcement
Guarantees
Default Interest
Further Assurance
Governing Law
Jurisdiction
Dispute Resolution
Relevant Industries

Banking

Financial Services

Real Estate

Construction

Manufacturing

Retail

Healthcare

Education

Technology

Transportation

Energy

Agriculture

Islamic Finance

Small and Medium Enterprises

Relevant Teams

Legal

Finance

Risk Management

Compliance

Treasury

Credit Assessment

Islamic Banking

Corporate Banking

Business Development

Operations

Relevant Roles

Chief Financial Officer

Finance Director

Legal Counsel

Corporate Lawyer

Banking Manager

Credit Officer

Risk Manager

Compliance Officer

Treasury Manager

Financial Controller

Islamic Banking Specialist

Loan Officer

Contract Manager

Business Development Manager

Account Manager

Industries
UAE Federal Law No. 5 of 1985 (Civil Code): Governs contractual relationships, obligations, and civil transactions including loan agreements. Contains provisions about contract formation, validity, and enforcement.
UAE Federal Law No. 18 of 1993 (Commercial Code): Regulates commercial transactions and business relationships, including commercial loans and financial dealings between parties.
UAE Federal Law No. 14 of 2018 (UAE Central Bank Law): Regulates banking activities, financial institutions, and monetary operations, including requirements for lending practices and financial transactions.
UAE Federal Law No. 20 of 2018 (Anti-Money Laundering Law): Establishes requirements for financial due diligence and prevention of money laundering in financial transactions.
Federal Decree Law No. 14 of 2020 (Amending Consumer Protection Law): Protects consumer rights in financial transactions and establishes obligations for transparency in lending practices.
UAE Central Bank Regulations on Lending: Specific regulations governing lending practices, interest rates, and banking operations in the UAE.
Islamic Banking Regulations: Guidelines ensuring compliance with Sharia principles in financial transactions, particularly regarding interest (riba) and profit-sharing structures.
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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