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Mortgage Commitment Letter

Mortgage Commitment Letter Template for United Arab Emirates

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Key Requirements PROMPT example:

Mortgage Commitment Letter

"I need a Mortgage Commitment Letter for a UAE-based Islamic bank offering AED 2.5 million financing for a commercial property in Dubai, with disbursement scheduled for March 2025 and including specific Sharia-compliance clauses."

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Document background
The Mortgage Commitment Letter is a critical document in UAE property financing transactions, issued after initial mortgage approval but before the final mortgage contract. It represents the financial institution's formal commitment to provide mortgage financing, subject to specified conditions being met. The letter must comply with UAE Federal Law No. 14 of 2008 (Mortgage Law), Central Bank regulations, and relevant emirate-specific property laws. The document typically includes detailed loan terms, property information, security requirements, and conditions precedent to funding. It can be used for both conventional and Islamic financing structures, residential or commercial properties, and may be issued to UAE nationals or eligible foreign buyers. The Mortgage Commitment Letter serves as a crucial tool for all parties involved in the transaction, providing certainty to borrowers while protecting the lender's interests through clearly stated terms and conditions.
Suggested Sections

1. Letter Header and Date: Bank letterhead, reference number, and date of issuance

2. Addressee Details: Full name and address of the borrower(s)

3. Property Details: Complete description of the property being mortgaged, including location, size, and registration details

4. Loan Terms: Principal amount, interest rate/profit rate, term of the loan, and payment schedule

5. Security Structure: Details of the mortgage security and any additional collateral requirements

6. Key Conditions: Pre-disbursement conditions and ongoing requirements for the borrower

7. Fees and Charges: Breakdown of all applicable fees, charges, and processing costs

8. Validity Period: Time period for which the commitment letter remains valid

9. Acceptance Process: Instructions for accepting the commitment and next steps

10. Authorization: Bank authorized signatory section

Optional Sections

1. Islamic Finance Structure: Required when the mortgage is Sharia-compliant, detailing the Islamic financing structure used

2. Insurance Requirements: Detailed insurance requirements when specific coverage types are mandatory

3. Construction Provisions: Required for properties under construction, including stage payment details

4. Foreign Ownership: Special conditions applying to non-UAE nationals, if applicable

5. Co-borrower Details: Required when there are multiple borrowers

6. Valuation Details: When specific property valuation details need to be included

Suggested Schedules

1. Schedule A - Cost Breakdown: Detailed breakdown of all costs including processing fees, registration fees, and other charges

2. Schedule B - Required Documents: Checklist of all documents required from the borrower

3. Schedule C - Payment Schedule: Detailed amortization schedule or payment structure

4. Appendix 1 - Property Documents: List of property-specific documents required for mortgage registration

5. Appendix 2 - Terms and Conditions: Detailed terms and conditions referenced in the main letter

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions




































Clauses

























Relevant Industries

Banking

Real Estate

Financial Services

Islamic Finance

Insurance

Property Development

Mortgage Broking

Construction Finance

Residential Property

Commercial Property

Relevant Teams

Legal

Compliance

Credit Risk

Mortgage Operations

Real Estate Finance

Islamic Banking

Document Management

Customer Relations

Underwriting

Property Finance

Relevant Roles

Mortgage Officer

Credit Manager

Bank Branch Manager

Relationship Manager

Legal Counsel

Compliance Officer

Property Finance Manager

Real Estate Finance Director

Islamic Banking Officer

Mortgage Underwriter

Credit Risk Officer

Banking Operations Manager

Property Finance Specialist

Document Controller

Loan Officer

Industries







Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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