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1. Parties: Identification of the Lender and Borrower with their full legal names, registration/ID numbers, and addresses
2. Background: Context of the agreement, including the Borrower's request for a loan and the Lender's willingness to provide it
3. Definitions: Definitions of key terms used throughout the agreement, including 'Loan Amount', 'Interest Rate', 'Repayment Date', etc.
4. Loan Details: Specific details of the loan including amount, purpose, interest rate, and term
5. Interest and Fees: Detailed breakdown of interest calculation method, applicable fees, and total cost of credit
6. Repayment Terms: Payment schedule, method of payment, and allocation of payments between principal, interest, and fees
7. Representations and Warranties: Statements of fact and promises made by both parties regarding their capacity and authority to enter into the agreement
8. Borrower's Obligations: Specific duties and responsibilities of the Borrower, including maintaining information accuracy and notification requirements
9. Events of Default: Circumstances constituting default and their consequences
10. Remedies: Actions available to the Lender in case of default
11. General Provisions: Standard contractual clauses including notices, amendments, governing law, and jurisdiction
1. Security Arrangements: Details of any collateral or security provided for the loan - include when the loan is secured
2. Guarantor Provisions: Terms relating to any guarantor of the loan - include when there is a guarantor
3. Early Repayment: Terms and conditions for early loan repayment - include when early repayment is allowed
4. Insurance Requirements: Mandatory insurance requirements - include when specific insurance is required
5. Assignment and Transfer: Terms for transferring or assigning rights under the agreement - include when transfer rights are granted
6. Electronic Communications: Provisions for electronic notices and communications - include when parties agree to electronic communication
7. Credit Check Authorization: Terms allowing periodic credit checks - include when ongoing credit monitoring is required
1. Schedule 1: Loan Terms: Detailed breakdown of loan amount, interest rate, term, and payment schedule
2. Schedule 2: Repayment Schedule: Detailed amortization schedule showing payment dates and amounts
3. Schedule 3: Fee Structure: Comprehensive list of all applicable fees and charges
4. Schedule 4: KYC Documentation: List of required Know Your Customer documents provided by the Borrower
5. Schedule 5: Security Details: Details of any security or collateral provided (if applicable)
6. Appendix A: Disclosure Statement: Mandatory National Credit Act pre-agreement disclosure statement
7. Appendix B: Direct Debit Authorization: Authorization for automatic payment deductions (if applicable)
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