It is an ideal document for an agreement between people who are not in regular contact. The terms of the loan are available to the borrower for reading and comprehension. The borrower must do this before signing the document. The document is also great if you`re a lender who plans to calculate interest on the money you lend to another. Renewal Contract (Loan) – Extends the maturity date of the loan. The amount of capital: this is the money that the borrower receives. It does not include interest or other fees that could attract loans. Only the amount is brought home. A credit agreement is a written agreement between two parties – a lender and a borrower – that can be imposed in court if one party does not maintain the end of the agreement. .