The master thesis deals with the definition of a loan agreement and a credit agreement, their mutual delimitation and the clauses that are typical for loan agreement and credit agreements. It starts with an introduction to the legal regime and the concept of both loan and credit agreements in the light of existing legislation. The primary legal source governing the loan agreement is the Code of Obligations, but it is also regulated by other laws governing specific types of loan agreement which are lex specialis in relation to the Code of Obligations, such as the Consumer Credit Act. Special types of loan agreement are the credit agreement and the consumer credit agreement. The primary source of law governing the credit agreement is the Law on Contractual Relations, which, however, only sparsely regulates the credit agreement and, in the absence of specific rules, the rules of the loan agreement apply. In the following, the work presents typical loan and credit agreement clauses aimed at providing greater legal certainty and transparency. These clauses are very elaborate and more or less standardised, at least in international financial transactions, following the practice of Anglo-Saxon financial institutions, which is by far the prevailing practice in this area. In particular, the zero-floor clause and the foreign currency clause will also be presented through the case-law of the courts of the Republic of Slovenia.
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