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1. Guarantor Provisions: Required when there is a guarantor for the loan, detailing their obligations and liabilities

2. Construction Stage Financing: Needed for properties under construction, including progressive payment terms

3. Islamic Banking Provisions: Required for Islamic home financing products to ensure Shariah compliance

4. Joint Borrowers: Additional provisions when there are multiple borrowers

5. Special Conditions: For any non-standard terms specific to the particular loan

6. Government Scheme Provisions: Required when the loan is part of a government housing scheme

7. Flexi Facility Terms: For loans with flexible repayment features or overdraft facilities

8. Additional Security Documents: When additional collateral besides the property is provided

1. Schedule 1 - Property Details: Detailed description of the property including title details, location, and specifications

2. Schedule 2 - Facility Details: Comprehensive breakdown of the loan amount, interest rates, and payment terms

3. Schedule 3 - Conditions Precedent: List of documents and conditions required before loan disbursement

4. Schedule 4 - Fee Schedule: Detailed breakdown of all fees and charges applicable to the loan

5. Schedule 5 - Repayment Schedule: Monthly installment schedule showing principal and interest breakdown

6. Schedule 6 - Insurance Requirements: Details of required insurance coverage for the property

7. Appendix A - Standard Terms and Conditions: Bank's standard terms and conditions for home loans

8. Appendix B - Disbursement Schedule: For properties under construction, showing progressive payment stages