Consumer Credit Contracts are fundamental instruments in Singapore's financial services sector, used when extending credit to individual consumers for personal, domestic, or household purposes. These contracts must strictly comply with Singapore's regulatory framework, including the Moneylenders Act and MAS guidelines. A Consumer Credit Contract typically includes detailed terms about credit limits, interest calculations, repayment schedules, borrower rights, and mandatory disclosures. It serves to protect both lender and borrower interests while ensuring transparency and fairness in consumer lending transactions.
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1. Parties: Identification of lender and borrower with full details
2. Background: Context of the credit facility and purpose of the loan
3. Definitions: Key terms used tHRoughout the agreement
4. Loan Amount and Purpose: Specifies credit amount and permitted use
5. Interest Rate and Charges: Details of interest calculation, fees, and charges
6. Repayment Terms: Payment schedule, method, and duration
7. Events of Default: Circumstances constituting default and consequences
8. Representations and Warranties: Borrower's declarations regarding their circumstances
1. Security: Details of any collateral or guarantees - include when loan is secured
2. Insurance Requirements: MaNDAtory insurance coverage details - include when insurance is required
3. Early Repayment: Terms for early loan settlement - include if early repayment is permitted
1. Repayment Schedule: Detailed payment schedule with dates and amounts
2. Fee Schedule: Comprehensive list of all applicable fees and charges
3. Disclosure Statement: MaNDAtory disclosures under Singapore law
4. Security Documents: Details of security arrangements if applicable
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