Consumer Credit Agreement Template for Pakistan

1. Islamic Banking Provisions: Required for Shariah-compliant credit agreements, including relevant Islamic financing structures

2. Security Arrangements: Required when the credit is secured against assets or requires guarantees

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

4. Electronic Transaction Terms: Required for digitally executed agreements or online credit facilities

5. Co-borrower Provisions: Required when there are multiple borrowers

6. Automated Payment Authorization: Required when setting up automatic payments from bank accounts

7. Grace Period Terms: Optional provision for payment grace periods if offered

8. Special Drawdown Conditions: Required for credit facilities with multiple drawdown periods or special conditions

1. Schedule 1 - Payment Schedule: Detailed amortization schedule showing all payments, interest, and principal amounts

2. Schedule 2 - Fee Schedule: Comprehensive list of all applicable fees and charges

3. Schedule 3 - Security Details: Details of any security or collateral provided (if applicable)

4. Schedule 4 - Insurance Requirements: Specific insurance requirements and minimum coverage details

5. Schedule 5 - Special Conditions: Any special terms or conditions applicable to the specific credit facility

6. Appendix A - Required Documents: List of documents required from the borrower

7. Appendix B - Key Facts Statement: Summary of key terms as required by Pakistani consumer protection regulations

8. Appendix C - Complaint Resolution Process: Details of the grievance redressal mechanism as required by SBP regulations