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This loan agreement ("Agreement") is entered into between ABC Bank AG, headquartered at Main Street 1, 1010 Berlin, Germany (hereinafter referred to as “the Bank”), and the customer (hereinafter referred to as “the Borrower”).
The Agreement governs the terms and conditions under which the Bank grants a personal loan to the Borrower for private purposes.
The total repayment amount over the loan term will be disclosed in the repayment schedule provided after the agreement is signed.
The Borrower confirms that the loan is intended for personal use and not for business, investment, or speculative purposes. The Bank reserves the right to request documentation validating the intended use of the funds.
By accepting this agreement, the Borrower acknowledges having read and accepted the General Terms and Conditions (AGB) of ABC Bank AG, which form an integral part of this contract. Failure to meet the repayment obligations may result in late fees, negative credit reporting, or legal enforcement of claims.
All personal data provided in the context of this agreement will be processed in accordance with the EU General Data Protection Regulation (GDPR). Communication related to the loan may be conducted digitally unless expressly objected to by the Borrower.
This agreement is concluded digitally and signed using a qualified electronic signature (QES) via the European Digital Identity Wallet, in accordance with Regulation (EU) No. 910/2014 (eIDAS). The digital signature applied via the EUDI Wallet holds the same legal validity as a handwritten signature and is fully recognized within the European Union.
