What is Banking & Finance Law?
Banking law governs the legal framework and documentation involved in financial transactions between banks, lenders, and borrowers. It covers loan facilities, security documentation, guarantees, and compliance with banking regulations. This area ensures that all lending and financing activities are legally binding, secure, and compliant with the relevant statutory requirements.
Do I Need a Lawyer for Banking & Finance Matters?
Yes. Banking & Finance transactions whether personal, commercial, or development-related require precise legal documentation and compliance checks. Engaging a lawyer ensures that loan agreements, security instruments, and guarantees are correctly drafted, executed, and perfected to protect the interests of both banks and borrowers.
Signs That You Need a Banking & Finance Lawyer
You should consider engaging a banking & fiannce lawyer if:
- You are applying for or refinancing a housing or commercial loan.
- You are a developer seeking financing for a project or revival of a stalled project.
- You need to prepare or review facility agreements, loan documents, or guarantees.
- You are a financial institution requiring legal advice or updated guidance on banking laws and regulations.
- You need legal clarification or documentation for loan settlements, debentures, or corporate guarantees.
What Is the Role of a Banking & Finance Lawyer?
Our lawyers at CHIONG & PARTNERS:
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Preparing and perfecting bank security documentation for consumer and mortgage loans such as Facility Agreements, Loan Agreements, Deeds of Assignment, Power of Attorney, Charges, and Guarantees.
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Drafting and completing commercial loan documentation, including SME loans, Corporate Guarantees, Share Margin Financing, Debentures, Performance Bonds, Memorandum of Deposits, and Loan Settlement Agreements.
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Handling project financing and revival loans, including bridging loans, term loans, and working capital financing for development projects.
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Advising banks on legal matters, updating them on amendments to laws, regulations, and guidelines, and issuing written or oral legal opinions when required.
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Conducting seminars and briefings for bank personnel on conveyancing procedures and loan documentation processes.
Our Working Process
1. Initial Consultation
Understanding the nature of the loan or financing transaction.
2. Document Drafting & Review
Preparing or reviewing the necessary loan and security documentation.
3. Legal Advisory
Providing professional advice on compliance, bank interests, and regulatory requirements.
4. Perfection & Completion
Ensuring all legal documentation is executed, stamped, and registered to complete the transaction securely.
Questions You May Wonder
They are legal documents such as Facility Agreements, Deeds of Assignment, and Charges that secure a bank’s interest in a loan transaction.
Yes. We represent both financial institutions and clients to ensure proper documentation, compliance, and legal protection for all parties involved.
We assist in preparing security documentation for bridging or term loans, advise on settlement arrangements, and ensure the bank’s interests are fully safeguarded throughout the financing process.
