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The Mortgage and Security Agreement is a crucial document in Qatar's secured lending landscape, used when a lender requires security over real property for financing arrangements. It complies with Qatar's Civil Code (Law No. 22 of 2004) and Real Estate Registration Law (Law No. 14 of 1964), establishing the lender's security rights while protecting both parties' interests. The agreement is essential for both commercial and residential property financing, detailing the secured obligations, enforcement rights, and registration requirements. It may be structured to accommodate both conventional and Islamic finance principles, reflecting Qatar's diverse financial sector. The document must be registered with the Qatar Real Estate Registration Department to be enforceable, making it a key instrument in secured lending transactions.

1. Parties: Identification of the Mortgagor, Mortgagee, and any other relevant parties with full legal names and addresses

2. Background: Context of the agreement, including reference to any facility agreement or underlying debt being secured

3. Definitions: Comprehensive definitions of terms used throughout the agreement, including specific Qatar law concepts

4. Grant of Security: Express creation of the mortgage and security interest over the specified property

5. Secured Obligations: Detailed description of the obligations being secured by the mortgage

6. Property Description: Detailed legal description of the mortgaged property as per Qatar property registration requirements

7. Representations and Warranties: Mortgagor's confirmations regarding ownership, authority, and property status

8. Covenants: Ongoing obligations of the Mortgagor regarding property maintenance, insurance, and compliance

9. Registration and Perfection: Requirements and procedures for registering the mortgage with relevant Qatar authorities

10. Events of Default: Circumstances constituting default and triggering enforcement rights

11. Enforcement: Rights and remedies of the Mortgagee upon default, compliant with Qatar law

12. Costs and Expenses: Allocation of costs related to preparation, registration, and enforcement

13. Notices: Communication procedures between parties

14. Governing Law and Jurisdiction: Confirmation of Qatar law governance and jurisdiction of Qatar courts