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The Mortgage Loan Agreement is a fundamental document in Danish property financing, used when an individual or entity seeks to obtain financing secured against real property in Denmark. This agreement is distinctive due to Denmark's unique mortgage bond system, where mortgage credit institutions fund loans by issuing bonds in the capital markets. The document must comply with strict Danish regulatory requirements, including the Danish Financial Business Act and Mortgage-Credit Loans Act, which set parameters for loan-to-value ratios, property valuation, and consumer protection. The agreement details all essential aspects of the mortgage relationship, including loan terms, security arrangements, payment obligations, and enforcement rights. This type of agreement is crucial for both residential and commercial property transactions in Denmark, requiring careful consideration of property registration requirements and specific Danish legal provisions regarding mortgage security.

1. Parties: Identification of the lender (mortgage credit institution) and borrower(s), including full legal names, addresses, and registration numbers

2. Background: Context of the mortgage loan, including purpose and property overview

3. Definitions: Definitions of key terms used throughout the agreement

4. Loan Details: Principal amount, interest rate, term, and type of mortgage bonds

5. Property Details: Legal description of the mortgaged property, including cadastral number and address

6. Security: Details of the mortgage security, ranking, and registration requirements

7. Representations and Warranties: Borrower's confirmations regarding their legal capacity, property ownership, and financial status

8. Payment Terms: Payment schedule, methods, and calculations of interest and principal

9. Prepayment Rights: Terms and conditions for early repayment, including any prepayment penalties

10. Borrower's Obligations: Ongoing obligations including property maintenance, insurance, and tax payments

11. Events of Default: Circumstances constituting default and lender's remedies

12. Enforcement Rights: Lender's rights and procedures in case of default

13. Costs and Fees: All applicable fees, charges, and cost allocation

14. Notices: Communication requirements and contact details

15. Governing Law and Jurisdiction: Confirmation of Danish law application and jurisdiction

16. Signatures: Execution blocks for all parties