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The Contract Of Real Estate Mortgage is a fundamental document in Qatar's real estate financing landscape, essential for securing loans and financial obligations with real property as collateral. This document is primarily used when property owners seek financing from banks or financial institutions, or when real estate is used as security for business obligations. The contract must comply with Qatar's Civil Code, Real Estate Registration Law, and where applicable, Islamic finance principles. It includes comprehensive details about the mortgaged property, financial terms, parties' obligations, and enforcement rights. The document becomes especially crucial in Qatar's growing real estate market, where both local and foreign investments are increasing, subject to the regulations under Law No. 16 of 2018 on Non-Qatari Ownership of Real Estate.

1. Parties: Identification of the Mortgagor (property owner) and Mortgagee (typically a bank or financial institution), including their full legal names, addresses, and registration details

2. Background: Context of the mortgage agreement, including reference to any underlying loan agreement and purpose of the mortgage

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

4. Property Details: Comprehensive description of the mortgaged property, including its location, dimensions, registration details, and title deed information

5. Mortgage Amount and Terms: Details of the secured amount, interest rates, payment terms, and duration of the mortgage

6. Rights and Obligations: Detailed description of both parties' rights and obligations regarding the mortgaged property

7. Insurance Requirements: Specifications for mandatory property insurance and other required insurance coverage

8. Events of Default: Definition of what constitutes default and the consequences thereof

9. Enforcement Rights: Mortgagee's rights and procedures for enforcement in case of default

10. Representations and Warranties: Statements and guarantees made by the Mortgagor regarding the property and their authority to enter into the agreement

11. Registration and Notarization: Requirements and procedures for registering the mortgage with relevant authorities

12. Governing Law and Jurisdiction: Specification of Qatar law as governing law and jurisdiction for dispute resolution