Official Loan Agreement Template for Pakistan

1. Islamic Finance Provisions: Required when the loan needs to be Shariah-compliant, including specific Islamic financing structures

2. Foreign Currency Provisions: Required for loans involving foreign currency, including exchange rate mechanisms and FERA compliance

3. Syndication Provisions: Required for syndicated loans, including roles of facility agent and security trustee

4. Project Finance Provisions: Required for project-specific loans, including project monitoring and milestone-based disbursement

5. Insurance: Required when specific insurance coverage is mandatory for the loan

6. Security Trustee: Required in cases of multiple lenders or complex security structures

7. Force Majeure: Optional clause defining circumstances beyond parties' control affecting loan performance

1. Schedule 1 - Conditions Precedent Documents: List of required documents and conditions to be satisfied before drawdown

2. Schedule 2 - Form of Drawdown Request: Template for borrower's drawdown request

3. Schedule 3 - Repayment Schedule: Detailed amortization schedule with payment dates and amounts

4. Schedule 4 - Security Documents: List and copies of all security documents and collateral arrangements

5. Schedule 5 - Form of Compliance Certificate: Template for periodic compliance certification by borrower

6. Schedule 6 - Existing Indebtedness: Details of borrower's existing loans and financial obligations

7. Appendix A - Financial Covenants: Detailed financial ratios and thresholds to be maintained

8. Appendix B - Permitted Security Interests: List of pre-approved security interests and encumbrances