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It addresses facility availability and limits, conditions precedent, redrawings, cancellations, purpose, interest calculation and payment mechanics, and repayment schedules. The terms also cover prepayments, fees and expenses, taxes and stamp duties, indemnities, representations and warranties, events of default and enforcement consequences, and rights on default. 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It also defines repayment scheduling and the amount payable, together with the rules for prepayments and related break costs.",{"name":115,"@type":106,"acceptedAnswer":116},"What happens on events of default?",{"text":117,"@type":109},"The agreement lists events of default and then describes the financier’s rights on default, including consequences and payment treatment, as well as enforcement against assets and termination-related effects.","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},162893,1788133644,{"code":4,"msg":5,"data":127},{"doc_id":124,"user_id":128,"nickname":88,"user_avatar":129,"doc_module":9,"category_id":40,"category_name":41,"doc_title":59,"doc_description":61,"doc_content":130,"file_id":131,"file_url":132,"file_type":133,"file_size":134,"view_count":73,"is_deleted":4,"is_public":9,"is_downloadable":9,"audit_status":9,"page_count":135,"language":136,"language_code":57,"site_id":56,"html_lang":57,"table_of_contents":137,"faqs":138,"seo_title":139,"seo_description":61,"update_tm":125,"read_time":15},962075006959,"https://ap-avatar.wpscdn.com/avatar/e0002397efbe92a78e?_k=1776741047341049297","Sample Document\nLoan Agreement – Standard Terms\nLegal matters\nThis sample document has been prepared by Norton Rose Fulbright Australia at the request of, and in consultation with, the Victorian Department of Treasury and Finance (DTF) and its advisers.  It forms part of a suite of sample transaction documents that has been developed by DTF for use in connection with PAD Arrangements.\nUsers of this sample document are directed to the copyright notices on its cover page. No reliance may be placed for any purposes whatsoever on the provisions and other information contained in this sample document (or any other communications or materials separately provided or discussed verbally in connection with this sample document) or on its completeness, accuracy or fairness.  No representation or warranty, expressed or implied, is given by, or on behalf of, the State, Norton Rose Fulbright Australia or any other person as to the provisions and other information included in this sample document being acceptable to the State in all circumstances, that it is suitable for any particular PAD Arrangement or as to the accuracy or completeness of the provisions or other information contained in this sample document and no liability whatsoever is accepted by the State or Norton Rose Fulbright Australia for any loss howsoever arising, directly or indirectly, from any use of such provisions or other information or otherwise arising in connection with it. The provisions and other information in this sample document are subject to negotiation, verification, completion and change.\n\u000f\nContents\n\u0013 TOC \\o \"1-2\" \\t \"Schedule,8,Subtitle,9\" \u00142\tDefinitions and interpretation\t\u0013 PAGEREF _Toc535503183 \\h \u00144\u0015\n2.1\tDetails\t\u0013 PAGEREF _Toc535503184 \\h \u00144\u0015\n2.2\tDefinitions\t\u0013 PAGEREF _Toc535503185 \\h \u00144\u0015\n2.3\tInterpretation\t\u0013 PAGEREF _Toc535503186 \\h \u00148\u0015\n2.4\tParties\t\u0013 PAGEREF _Toc535503187 \\h \u00149\u0015\n3\tAvailability and limits\t\u0013 PAGEREF _Toc535503188 \\h \u00149\u0015\n3.1\tAvailability of Facility\t\u0013 PAGEREF _Toc535503189 \\h \u00149\u0015\n3.2\tConditions Precedent\t\u0013 PAGEREF _Toc535503190 \\h \u00149\u0015\n3.3\tLimit of Facility\t\u0013 PAGEREF _Toc535503191 \\h \u00149\u0015\n3.4\tRedrawings\t\u0013 PAGEREF _Toc535503192 \\h \u00149\u0015\n3.5\tCancellation\t\u0013 PAGEREF _Toc535503193 \\h \u00149\u0015\n4\tPurpose\t\u0013 PAGEREF _Toc535503194 \\h \u00149\u0015\n5\tInterest\t\u0013 PAGEREF _Toc535503195 \\h \u001410\u0015\n5.1\tInterest on Advance\t\u0013 PAGEREF _Toc535503196 \\h \u001410\u0015\n5.2\tAccrual and payment\t\u0013 PAGEREF _Toc535503197 \\h \u001410\u0015\n5.3\tRate\t\u0013 PAGEREF _Toc535503198 \\h \u001410\u0015\n6\tPrepayments of Advances\t\u0013 PAGEREF _Toc535503199 \\h \u001410\u0015\n6.1\tVoluntary prepayments\t\u0013 PAGEREF _Toc535503200 \\h \u001410\u0015\n6.2\tInterest and break costs\t\u0013 PAGEREF _Toc535503201 \\h \u001410\u0015\n7\tRepayments\t\u0013 PAGEREF _Toc535503202 \\h \u001411\u0015\n7.1\tRepayment schedule\t\u0013 PAGEREF _Toc535503203 \\h \u001411\u0015\n7.2\tAmount payable\t\u0013 PAGEREF _Toc535503204 \\h \u001411\u0015\n8\tPayments\t\u0013 PAGEREF _Toc535503205 \\h \u001411\u0015\n8.1\tPayments by Borrower\t\u0013 PAGEREF _Toc535503206 \\h \u001411\u0015\n8.2\tNo deductions\t\u0013 PAGEREF _Toc535503207 \\h \u001411\u0015\n8.3\tPayment to be made on Business Day\t\u0013 PAGEREF _Toc535503208 \\h \u001412\u0015\n8.4\tAppropriation where insufficient money available\t\u0013 PAGEREF _Toc535503209 \\h \u001412\u0015\n8.5\tRounding\t\u0013 PAGEREF _Toc535503210 \\h \u001412\u0015\n9\tChanges in law\t\u0013 PAGEREF _Toc535503211 \\h \u001412\u0015\n9.1\tIncreased costs\t\u0013 PAGEREF _Toc535503212 \\h \u001412\u0015\n10\tIllegality\t\u0013 PAGEREF _Toc535503213 \\h \u001413\u0015\n11\tRepresentations and warranties\t\u0013 PAGEREF _Toc535503214 \\h \u001413\u0015\n11.1\tRepresentations and warranties\t\u0013 PAGEREF _Toc535503215 \\h \u001413\u0015\n11.2\tReliance on representations and warranties\t\u0013 PAGEREF _Toc535503216 \\h \u001414\u0015\n11.3\tRepetition\t\u0013 PAGEREF _Toc535503217 \\h \u001414\u0015\n11.4\tSurvival of representations and warranties\t\u0013 PAGEREF _Toc535503218 \\h \u001415\u0015\n12\tObligations and undertakings\t\u0013 PAGEREF _Toc535503219 \\h \u001415\u0015\n12.1\tReporting obligations\t\u0013 PAGEREF _Toc535503220 \\h \u001415\u0015\n12.2\tRanking\t\u0013 PAGEREF _Toc535503221 \\h \u001415\u0015\n12.3\tInsurance\t\u0013 PAGEREF _Toc535503222 \\h \u001415\u0015\n12.4\tNegative pledge by the Borrower\t\u0013 PAGEREF _Toc535503223 \\h \u001415\u0015\n12.5\tComply with laws\t\u0013 PAGEREF _Toc535503224 \\h \u001416\u0015\n12.6\tOther financial accommodation\t\u0013 PAGEREF _Toc53550","cbCaisc9c6DIU20d","https://ap.wps.com/l/cbCaisc9c6DIU20d","docx",101623,35,"English","# Definitions and interpretation\n## Details\n## Definitions\n## Interpretation\n## Parties\n# Availability and limits\n## Availability of Facility\n## Conditions Precedent\n## Limit of Facility\n## Redrawings\n## Cancellation\n# Purpose\n# Interest\n## Interest on Advance\n## Accrual and payment\n## Rate\n# Prepayments of Advances\n## Voluntary prepayments\n## Interest and break costs\n# Repayments\n## Repayment schedule\n## Amount payable\n# Payments\n## Payments by Borrower\n## No deductions\n## Payment to be made on Business Day\n## Appropriation where insufficient money available\n## Rounding\n# Changes in law\n## Increased costs\n# Illegality\n# Representations and warranties\n## Representations and warranties\n## Reliance on representations and warranties\n## Repetition\n## Survival of representations and warranties\n# Obligations and undertakings\n## Reporting obligations\n## Ranking\n## Insurance\n## Negative pledge by the Borrower\n## Comply with laws\n## Other financial accommodation\n## Disposal of assets\n## Continue to stay in business\n## No merger or acquisition\n## No disposal of subsidiaries\n## Term of undertakings\n# Default\n## Events of Default\n## Obligations under Finance Documents\n## Misrepresentation\n## Insolvency Event\n## Enforcement against assets\n## Vitiation of Finance Documents\n## Revocation of Authorisation\n## Material adverse effect\n## Default under Finance Document\n# Financier’s rights on Default\n## Consequences\n## Payments\n# Fees\n# Expenses\n# Stamp duties and Taxes\n## Stamp duties and Taxes\n## GST\n## Indemnity\n# Indemnities\n## Nature\n## Survival of obligations\n# Use of State funds\n# Assignment\n## No assignment by Borrower\n## Assignment by Financier\n# Set-off\n# Pledge Deed\n# Limited rights of recourse\n# Financier’s determination and certificate","[{\"question\":\"What does the agreement cover in its standard terms?\",\"answer\":\"It sets the core legal framework for PAD-related loan arrangements, including facility terms, interest and repayment mechanics, and major risk and enforcement provisions such as default and indemnities.\"},{\"question\":\"How are interest and repayment handled?\",\"answer\":\"The agreement specifies how interest on advances is calculated, how accrual and payment occur, and the applicable rate. It also defines repayment scheduling and the amount payable, together with the rules for prepayments and related break costs.\"},{\"question\":\"What happens on events of default?\",\"answer\":\"The agreement lists events of default and then describes the financier’s rights on default, including consequences and payment treatment, as well as enforcement against assets and termination-related effects.\"}]","Loan Agreement - Standard Terms | DOCX"]