The Co-Owner House Agreement is essential when two or more parties purchase and own property together in Singapore. This document becomes particularly important given Singapore's unique property regulations, including HDB rules and restrictions on foreign ownership. The agreement details ownership percentages, financial responsibilities, usage rights, maintenance obligations, and procedures for resolving disputes or selling the property. It provides legal protection for all parties and helps prevent future disagreements by clearly documenting the terms of co-ownership upfront.
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1. Parties: Details and identification of all co-owners
2. Background: Context of the co-ownership arrangement and property details
3. Definitions: Key terms used throughout the agreement
4. Ownership Structure: Specification of ownership shares and type of co-ownership
5. Financial Obligations: Distribution of costs, mortgage payments, and other expenses
6. Property Usage: Rights and restrictions regarding property use
7. Decision Making: Process for making property-related decisions
8. Maintenance and Repairs: Responsibilities for property upkeep
9. Dispute Resolution: Process for resolving conflicts between co-owners
1. Mortgage Arrangements: Details of joint mortgage responsibilities when property is mortgaged
2. Rental Income: Distribution of rental income and management of tenancies when property may be rented out
3. Buy-out Provisions: Process for one owner buying others' shares when owners want pre-agreed buy-out terms
4. Religious Requirements: Specific provisions for religious considerations when religious law applies (e.g., Muslim law)
1. Schedule 1 - Property Details: Complete legal description of the property
2. Schedule 2 - Financial Schedule: Breakdown of financial contributions and ownership percentages
3. Schedule 3 - Maintenance Schedule: Detailed maintenance responsibilities and schedules
4. Schedule 4 - Insurance Requirements: Required insurance coverage details
5. Schedule 5 - House Rules: Specific rules for property use and maintenance
6. Schedule 6 - Mortgage Details: Copy of mortgage agreement and payment schedule
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