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The Mortgage Loan Form is a fundamental document in Dutch property financing, used to formalize and document the lending arrangement between financial institutions and property buyers or owners. This document is essential for any property purchase or refinancing in the Netherlands, combining elements of both a loan agreement and a security document. It must comply with strict Dutch regulatory requirements, including the Financial Supervision Act (Wft), Civil Code, and the Code of Conduct for Mortgage Loans. The form includes crucial details about the loan structure, property security, borrower obligations, and lender's rights, while incorporating consumer protection measures required by Dutch and EU law. The document is typically prepared by financial institutions and must be executed before a Dutch civil law notary, who plays a crucial role in the mortgage registration process.

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

2. Background: Context of the mortgage loan, including purpose (e.g., home purchase, refinancing) and property details

3. Definitions: Key terms used throughout the agreement, including technical and legal terminology

4. Loan Details: Essential characteristics of the loan including principal amount, interest rate, term, and payment schedule

5. Property Details: Full description of the mortgaged property, including address, registration details, and cadastral information

6. Security Arrangements: Details of the mortgage right (hypotheekrecht) being granted, including ranking and extent of the security

7. Interest Provisions: Detailed terms regarding interest calculation, rate changes, and fixed-rate periods

8. Repayment Terms: Structure and conditions of loan repayment, including payment dates and methods

9. Borrower's Warranties: Confirmations and guarantees provided by the borrower regarding their circumstances and the property

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

11. Events of Default: Circumstances that constitute default and their consequences

12. Enforcement Rights: Lender's rights and remedies in case of default, including foreclosure procedures

13. Costs and Charges: Overview of all fees, charges, and costs associated with the mortgage

14. General Provisions: Standard clauses including notices, amendments, and governing law