North Dakota Code § 21-13-03

Limit on amount of loans - Loan terms
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Except as limited by this section, a bank or a credit union and political subdivision may 
agree to terms and conditions of a bank or credit union loan, including the rate of interest and 
any collateral.
1. A political subdivision may have no more than five hundred thousand dollars in 
outstanding principal on bank or credit union loans at any time.
2. A political subdivision bank or credit union loan must be paid in full within five years 
from the date of loan origination.
3. The loan documents must describe the revenues from which the loan is anticipated to 
be paid and may require the political subdivision to establish a separate fund for the 
repayment of the loan, including interest, on or before the due date.
4. Collateral for a loan may consist only of property that is purchased with loan proceeds.

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