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It specifies the loan funds or material/equipment to the Beneficiary, the business purpose, and the principal amount. It sets repayment period, payment schedule, rules for delayed payments including a 2% charge, and accepted repayment channels. It also establishes equipment ownership rules, recovery and forfeiture upon default for three months, and potential blacklisting for five years, including signature and witness sections.",{"@graph":63,"@context":118},[64,80,101],{"@type":65,"itemListElement":66},"BreadcrumbList",[67,71,74,77],{"item":68,"name":69,"@type":70,"position":9},"https://docshare.wps.com","Home","ListItem",{"item":72,"name":10,"@type":70,"position":73},"https://docshare.wps.com/template/",2,{"item":75,"name":36,"@type":70,"position":76},"https://docshare.wps.com/template/forms/",3,{"item":78,"name":59,"@type":70,"position":79},"https://docshare.wps.com/template/loan-agreement-form-terms-and-conditions/164220/",4,{"url":78,"name":59,"@type":81,"image":82,"author":87,"headline":59,"publisher":90,"fileFormat":93,"inLanguage":57,"description":61,"dateModified":94,"datePublished":95,"encodingFormat":93,"isAccessibleForFree":96,"interactionStatistic":97},"DigitalDocument",{"url":83,"@type":84,"width":85,"height":86},"https://docshare.wps.com/thumbnails/loan-agreement-form-terms-and-conditions/164220.png","ImageObject",442,249,{"name":88,"@type":89},"Himbo","Person",{"url":68,"name":91,"@type":92},"DocShare","Organization","application/vnd.openxmlformats-officedocument.wordprocessingml.document","2026-09-23","2026-08-31",true,{"@type":98,"interactionType":99,"userInteractionCount":79},"InteractionCounter",{"@type":100},"ViewAction",{"@type":102,"mainEntity":103},"FAQPage",[104,110,114],{"name":105,"@type":106,"acceptedAnswer":107},"Who are the parties involved in this loan agreement?","Question",{"text":108,"@type":109},"The agreement is between the LENDER and the BORROWER, collectively referred to as “Parties.” It also references a Beneficiary receiving the loan funds or goods for a specified business purpose.","Answer",{"name":111,"@type":106,"acceptedAnswer":112},"What are the repayment timing and rules for delayed payments?",{"text":113,"@type":109},"The first payment is due 60 days after receiving the loan, and subsequent instalments are paid at the end of each month. Delayed payments must not exceed 5 days after month-end; payments made after 5 days attract a 2% charge of the instalment amount.",{"name":115,"@type":106,"acceptedAnswer":116},"What happens if the borrower fails to pay instalments for three consecutive months?",{"text":117,"@type":109},"The agreement will be terminated. The equipment will be recovered from the borrower within seven days, the borrower forfeits the initial deposit and other payments made before termination, and the borrower may be blacklisted on the Constituency list for five years.","https://schema.org",{"og:url":78,"og:type":120,"og:title":59,"og:site_name":91,"og:description":61},"article",{"robots":122,"canonical":78},"index,follow",{"doc_id":124,"site_id":56},164220,1788150169,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":35,"category_name":36,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":79,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":79,"language":135,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":136,"faqs":137,"seo_title":138,"seo_description":61,"update_tm":125,"read_time":73},687197100911,"https://ap-avatar.wpscdn.com/avatar/a000239b6f1da00475?x-image-process=image/resize,m_fixed,w_180,h_180&k=1785132997149421697","LOAN AGREEMENT FORM\nREPUBLIC OF ZAMBIA\nCONSTITUENCY DEVELOPMENT FUND (CDF)\nLOAN AGREEMENT FORM\nThis LOAN AGREEMENT, is made this ………….. Day of ………… 20…., between\n………………………………………………………. (Hereinafter known as “BORROWER”) of address: …………………………………………………………………………………… in Ward………………………………………….. constituency …………………………………. And ……………………………………………………. (Hereinafter known as “LENDER”).\nThe LENDER and BORROWER shall collectively be known herein as “Parties.” In determining the rights and duties of the Parties under this LOAN AGREEMENT, the entire document must be read as a whole.\nThe Lender agrees to give loan funds/ material/ equipment worth K…………………………..\non loan basis to the Beneficiary for purposes of venturing into……………………………….. Business as contained in the application form.\nTherefore, the Beneficiary accepts the Terms and Conditions of the said loan amounting to ………………………………………………………………………………………………………. ………………………………………………………………………………. (Amount in Words)\n………………………………. (Amount in Figures) at 5% minimal simple interest rate.\nLOAN TERMS AND CONDITIONS\nThe BENEFICIARY and LENDER hereby set further forth their rights and obligations to one another under this LOAN AGREEMENT and agree to be legally binding as follows: -\nPayback Period\nThe payback period for the loan shall be …………………………………..months.\nLoan Repayment\nThe first payment shall be 60 days from the date of getting the loan;\nThe subsequent instalments shall be paid at the end of the month;\nDelayed payments shall not exceed 5 days after the end of the month; and\nPayments made after 5 days shall attract a charge 2% of the instalment amount\nc) Repayment Method\nThe Borrower shall deposit the loan repayment by way of monthly instalments through;\nBank Account…………........................................\nMobile Money…………………………………...\nE-Wallet………………………………………….\nThe Borrower shall be responsible to ensure that repayments are made to the correct Bank Account or Mobile number.\nd) Ownership of Equipment and Machinery using this Fund:\nAll Equipment and Machinery bought using this facility shall be vested in the  name of the LENDER;\nAll Equipment and Machinery bought using this facility shall be registered in the name of the Local Authority; and\nOwnership shall NOT be transferred to the LOAN BENEFICIARY until the loan amount is fully paid.\ne) Repayment for Equipment:\nThe first payment shall be made 60 days from the date of getting the loan;\nThe subsequent instalments shall be paid at the end of the month;\nDelayed payments shall not exceed 5 days after the end of the month;\nPayments made after 5 days shall attract a charge 2% of the instalment amount;\nNeglecting to pay the loan instalments for any reason for three consecutive months, shall result in termination of the agreement;\nFollowing the termination of the agreement:\nThe equipment shall be recovered from the borrower within seven (7) days;\nThe borrower shall forfeit the initial deposit and other payments made before the termination of the agreement; and\nThe borrower shall be blacklisted on the Constituency list for 5 years.\nSIGNED BY……………………………………………………………… (Name)\n(FOR AND ON BEHALF OF THE FINANCIAL INSTITUTION)\nFull Name of Financial Institution:  …………………………………………………………...\nDate: ………………………………………………………………………………\nSignature:………………………………………………………………………….\nPosition:…………………………………………………………………………...\nIN THE WITNESS OF:\nFull Name: ……………………………………………………………………………………..\nDate: ………………………Signature: ………………………………………………………..\nDesignation: ……………………………………………………………………………………\nIN THE WITNESS OF:\nFull Name: ……………………………………………………………………..………………\nDate: ……………………………………………………………………………..……………\nSignature: …………………………………………………………………………….………\nDesignation: ………………………………………………………………………….………\nSIGNED BY……………………………………… (APPLICANT)\nFull Name: …………………………………..………………………………………………\nDate: ………………………………………………………………………….……………\nSignature: …………………………………………………………..………………………\nIN THE WITNESS OF\nFull Name:………………………………………………………………………………………\nNRC Number:……………………………………………………………………..……………\nDate:………………… ……………………………………….…………………………","cbCaiokQrXnCQWOB","https://ap.wps.com/l/cbCaiokQrXnCQWOB","docx",99229,"English","# Loan Agreement\n## Parties and Purpose\n## Loan Terms and Conditions\n### Payback Period\n### Loan Repayment\n### Repayment Method\n### Ownership of Equipment and Machinery\n### Repayment for Equipment and Termination\n## Signatures and Witnesses","[{\"question\":\"Who are the parties involved in this loan agreement?\",\"answer\":\"The agreement is between the LENDER and the BORROWER, collectively referred to as “Parties.” It also references a Beneficiary receiving the loan funds or goods for a specified business purpose.\"},{\"question\":\"What are the repayment timing and rules for delayed payments?\",\"answer\":\"The first payment is due 60 days after receiving the loan, and subsequent instalments are paid at the end of each month. Delayed payments must not exceed 5 days after month-end; payments made after 5 days attract a 2% charge of the instalment amount.\"},{\"question\":\"What happens if the borrower fails to pay instalments for three consecutive months?\",\"answer\":\"The agreement will be terminated. The equipment will be recovered from the borrower within seven days, the borrower forfeits the initial deposit and other payments made before termination, and the borrower may be blacklisted on the Constituency list for five years.\"}]","LOAN AGREEMENT FORM - Terms and Conditions | DOCX"]