Personal Loan Contract With Collateral Template for Australia

1. Guarantor Provisions: Required when a guarantor is securing the loan obligations

2. Multiple Borrowers: Required when there are joint borrowers, defining joint and several liability

3. Special Repayment Arrangements: Used when there are non-standard repayment terms or hardship provisions

4. Insurance Requirements: Detailed insurance obligations when specific insurance is required for the collateral

5. Direct Debit Authorization: When automatic payments are being established

6. Electronic Communication Consent: When parties agree to electronic notices and communications

7. Security Release Terms: When specific conditions for releasing the security interest need to be detailed

1. Schedule 1 - Loan Details: Key financial information including loan amount, interest rate, fees, and payment schedule

2. Schedule 2 - Collateral Description: Detailed description of the collateral including serial numbers, registration details, and condition

3. Schedule 3 - Fee Schedule: Comprehensive list of all fees and charges applicable to the loan

4. Schedule 4 - Repayment Schedule: Detailed amortization schedule showing payment dates and amounts

5. Schedule 5 - Special Conditions: Any special terms or conditions specific to this loan agreement

6. Appendix A - Direct Debit Request Form: Standard form for setting up automatic payments

7. Appendix B - Information Statement: Mandatory information statement required under the National Credit Code

8. Appendix C - Privacy Consent Form: Detailed privacy consent and credit reporting authorization