Personal Loan Agreement
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This ready-made Personal Loan Agreement template is well suited for any kind of personalized business matter. Communicating in a professional way will get you and your company respect and will bring you further in life and business. Using our ready-to-use and easy-to-modify Personal Loan Agreement brings you extra motivation and inspiration and gives you more time to focus on important subjects in your personalized file.
How and when the loan is made We agree to lend you the loan amount but we only have to lend to you if:
(a) you borrow the loan amount by the last date for borrowing shown in the Details
(b) you are not in default under this agreement (for example by not paying a fee)
(c) we have verified as correct the information set out in your loan application
(d) we have obtained satisfactory credit reports about you
(e) we have carried out a credit assessment on you that is satisfactory to us
(f) following your loan application, nothing has happened which has led to
a significant adverse change in your financial circumstances or which we reasonably believe could lead to this and
(b) all interest charges and
(c) other money owing under this agreement,
the last day of the loan term, then we may increase your b repayments to ensure that this can be done.
Changes to this agreement We may:
- (a) if you have a variable annual percentage rate, change that annual percentage rate by changing our relevant indicator rate and
- we have given you, and any guarantor, a default notice allowing you at least 30 days from the date the default notice is taken to be given to remedy the default and
- (b) change the amount, frequency, or time for payment of the credit fees and charges shown in the Details (including government charges) and
- the notice contains whatever is required by the National Credit Code and
- (c) change the method by which interest charges are calculated or the frequency with which interest is charged and
- the default has not been remedied within that period or
- (b) where the National Credit Code applies to this agreement and it does not require us to give a default notice or to wait until the period specified in the default notice has passed before taking proceedings against you or
- (c) where the National Credit Code does not apply to this agreement and:
- we have given you, and any guarantor, a default notice and
- the default has not been remedied..
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