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As a lender, this document is very useful as it legally enforces the borrower to repay the loan.
If you don't have an Acceleration clause then it is not a 'commercial' loan and can fall foul of the ATO.
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We have also created a Practice Guide which explains the law and refers to the relevant ATO rulings. Detailed: A loan agreement is a written document that gives the terms and conditions that surround borrowing and repayment of money. The borrower promises to pay back the loan in line with a repayment schedule (regular payments or a lump sum).
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