Personal Credit Agreement Template for United Arab Emirates

1. Islamic Banking Provisions: Required when the facility is Sharia-compliant, including specific Islamic financing structures and principles

2. Guarantor Provisions: Required when there is a guarantor for the credit facility

3. Insurance Requirements: Required when specific insurance coverage is mandatory for the facility

4. Security Provisions: Required when the credit facility is secured by specific assets or collateral

5. Electronic Banking Terms: Required when online banking services are part of the facility management

6. Special Drawdown Conditions: Required for facilities with multiple drawdown periods or special disbursement conditions

7. Foreign Currency Provisions: Required when the facility involves foreign currency transactions

1. Schedule 1 - Facility Summary: Detailed breakdown of the credit facility terms, amounts, and pricing

2. Schedule 2 - Repayment Schedule: Detailed amortization schedule showing all payments due

3. Schedule 3 - Fees and Charges: Comprehensive list of all applicable fees and charges

4. Schedule 4 - Required Documents: List of all documents required from the borrower

5. Schedule 5 - Direct Debit Authority: Form for automatic payment setup if applicable

6. Appendix A - Application Form: Completed credit application form

7. Appendix B - Key Facts Statement: Required regulatory disclosure of key terms and conditions