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Land Mortgage Agreement

Land Mortgage Agreement Template for Singapore

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Key Requirements PROMPT example:

Land Mortgage Agreement

"Need a Land Mortgage Agreement for a commercial property in Singapore's CBD area, with a loan value of SGD 5 million and quarterly repayment schedule, to be executed by March 2025, including specific provisions for property insurance and management."

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Document background
The Land Mortgage Agreement is a crucial document in Singapore's property financing landscape, used when a property owner seeks to secure financing using their real estate as collateral. This agreement must comply with Singapore's strict property laws and banking regulations, including MAS guidelines on loan-to-value ratios and total debt servicing requirements. The document details the terms of the mortgage, security arrangements, and enforcement mechanisms, while incorporating mandatory provisions under Singapore law. Land Mortgage Agreements are particularly important given Singapore's regulated property market and the high value of real estate transactions in the jurisdiction.
Suggested Sections

1. Parties: Details of mortgagor and mortgagee, including registration numbers for companies or ID numbers for individuals

2. Background: Context of the mortgage arrangement and property details

3. Definitions: Key terms used throughout the agreement

4. Property Description: Detailed description of mortgaged property including title details

5. Mortgage Terms: Principal sum, interest rate, repayment terms

6. Mortgagor's Covenants: Obligations of the property owner

7. Security Provisions: Details of the security being created

8. Default Provisions: Consequences and remedies in case of default

9. Execution: Signing requirements and attestation

Optional Sections

1. Insurance Requirements: Specific insurance obligations - include when mortgagee requires specific insurance coverage

2. Assignment Provisions: Terms for assigning the mortgage - include when assignment rights are to be specified

3. Property Management: Specific requirements for property maintenance - include for commercial properties or specific maintenance requirements

Suggested Schedules

1. Property Schedule: Detailed property description including boundaries and floor plans

2. Payment Schedule: Detailed repayment schedule including installment amounts and dates

3. Title Documents: Copies of relevant title documents

4. Insurance Schedule: Details of required insurance coverage

5. Condition Report: Current condition of the property

Authors

Alex Denne

Head of Growth (Open Source Law) @ ¶¶Òõ¶ÌÊÓƵ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions






































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Industries

Land Titles Act (Chapter 157): Primary legislation governing registered land in Singapore. Contains provisions for mortgages of registered land and prescribes mandatory forms and requirements for mortgage registration.

Conveyancing and Law of Property Act (Chapter 61): Regulates property transactions and mortgages, establishing legal requirements for creating valid mortgages and defining rights and obligations of mortgagors and mortgagees.

Housing and Development Act (Chapter 129): Governs HDB properties, including special requirements and restrictions for mortgaging public housing properties.

MAS Guidelines: Monetary Authority of Singapore guidelines covering Loan-to-Value (LTV) limits, Total Debt Servicing Ratio (TDSR) framework, and mortgage servicing requirements.

SLA Requirements: Singapore Land Authority requirements specifying registration procedures, documentation requirements, and prescribed forms for land transactions.

Banking Act (Chapter 19): Legislation relevant when the mortgagee is a bank, covering regulations on mortgage lending and security requirements.

Personal Data Protection Act 2012: Regulates the handling and protection of personal data in mortgage documentation and transactions.

Stamp Duties Act (Chapter 312): Governs the stamp duties applicable to mortgage documents and property transactions.

Rules of Court: Procedural rules governing enforcement provisions and foreclosure procedures for mortgages in Singapore.

Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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