简介
- 贷款协议是一份具有法律约束力的合同，由贷款方与借款方签订，用于规范借贷资金的条款与条件。此协议保护双方的利益，确保对还款计划、利率及违约后果的明确规定。
政府相关部门
- 视贷款性质而定，例如： 马来西亚国家银行（Bank Negara Malaysia，简称 BNM）用于金融机构相关贷款。 马来西亚公司委员会（Suruhanjaya Syarikat Malaysia，简称 SSM）用于私人商业贷款。
执照名称（马来文）
- Perjanjian Pinjaman
详细信息
- 明确贷款金额、还款条款、利率及期限。
- 包括违约条款、处罚及提前还款选项。
- 规定贷款方与借款方的责任与权利。
- 根据协议要求，可能需要提供抵押作为贷款担保。
重要规则
- 协议必须由双方签署，并在必要时由第三方见证。
- 贷款条款需符合相关金融法规，如《1951 年放债人法》或《1950 年合同法》。
- 金融机构的利率不得超过马来西亚国家银行规定的法定上限；私人贷款需遵守《放债人法》的限制。
- 提供的抵押物需进行记录并具有法律执行力。
- 协议的任何修改必须经双方同意并记录在案。
违规及处罚
- 未按协议条款还款的后果：
- 贷款方可采取法律行动追回贷款金额。
- 对于逾期付款可能加收罚款或利息。
- 虚假陈述或伪造贷款条款的后果：
- 依据适用的金融法律，可能面临罚款或监禁。
- 协议无效化及相关责任方的法律后果。
法律顾问
Penny Lim , 法律顾问
Penny女士专注于识别潜在法律问题，并在政府法规、消费者保护和公平雇佣领域提供解决方案。她的主要职责包括：
提供关于政府及商业许可的法律建议， 在签署文件前审查法律文件。，根据公司需要完成法律研究。
Commonly Asked Questions
A Loan Agreement clearly outlines the terms and conditions for borrowing and repayment, ensuring both the lender and borrower understand their rights and obligations.
Yes, once signed by both parties, it becomes a legally binding contract under the Contracts Act 1950 and other applicable financial laws.
It is highly recommended, as a lawyer ensures the agreement complies with Malaysian financial laws and protects both parties’ interests.
Yes. Personal or private loans between individuals are allowed, but they must comply with the Moneylenders Act 1951 if interest is charged
The lender can take legal action to recover the outstanding amount, and the borrower may face penalties, interest charges, or asset seizure if collateral is involved.
Yes. The agreement can include collateral (e.g., property, vehicle, or assets) to secure repayment, provided it is clearly documented.
Verbal agreements can be valid but are difficult to enforce. Written agreements are strongly advised for legal protection.
Yes, but only if both parties agree in writing, and the amendment must be properly documented and signed.
Yes. Bank Negara Malaysia (BNM) and the Moneylenders Act 1951 regulate the maximum permissible interest rates, depending on the lender type.
Yes. Loan Agreements should be stamped at the Lembaga Hasil Dalam Negeri (LHDN) to make them legally enforceable and admissible in court.