Debt Repayment Agreement Template for New Zealand

1. Security Interests: Include when the debt is secured against specific assets or property

2. Guarantor Provisions: Required when a third party is guaranteeing the debt repayment

3. Early Repayment: Include when early repayment options are available, including any associated fees or benefits

4. Privacy and Information Sharing: Include when there's significant handling of personal information or credit reporting requirements

5. Insurance Requirements: Include when insurance is required for secured assets or debt repayment protection

6. Debt Consolidation Terms: Include when the agreement consolidates multiple existing debts

7. Hardship Provisions: Include when specific provisions for financial hardship are agreed upon

1. Schedule 1 - Payment Schedule: Detailed breakdown of payment dates, amounts, and running balance

2. Schedule 2 - Original Debt Documentation: Copies or details of the original debt instruments or invoices

3. Schedule 3 - Security Details: Description and documentation of any security interests or collateral

4. Appendix A - Direct Debit Authority: Direct debit authorization form if automatic payments are being set up

5. Appendix B - Guarantor Declaration: Declaration and identification documents of any guarantors

6. Appendix C - Asset Register: List and details of any secured assets if applicable