This Practice Note explains the principle of novation, which is one of the key ways of transferring a loan under English law and is the only way to transfer both contractual rights and contractual obligations to a third party under English law. The banks in a loan syndicate share the risk and are only exposed to their portion of the loan. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); //

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