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Mortgage Lease Agreement

Mortgage Lease Agreement Template for Singapore

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Key Requirements PROMPT example:

Mortgage Lease Agreement

"Need a Mortgage Lease Agreement for my Singapore HDB property, which I'm mortgaging with DBS Bank and leasing to a family of four starting March 2025, with special provisions for CPF usage and early termination options."

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Document background
The Mortgage Lease Agreement is essential when a mortgaged property in Singapore is being leased to tenants. This document ensures compliance with Singapore's property laws while protecting the interests of the mortgagee, mortgagor, and tenant. It outlines mortgage terms, lease conditions, payment obligations, and default remedies, incorporating specific Singapore requirements such as HDB regulations, CPF usage rules, and foreign ownership restrictions where applicable. The agreement is particularly crucial in Singapore's dynamic property market where mortgaged properties are frequently leased.
Suggested Sections

1. Parties: Details of mortgagor, mortgagee, and tenant

2. Background: Context of the agreement including property details and existing mortgage

3. Definitions: Key terms used throughout the agreement

4. Property Description: Detailed description of the mortgaged property

5. Lease Terms: Duration, rent, payment terms

6. Mortgage Terms: Loan amount, interest rate, repayment schedule

7. Covenants: Obligations of all parties

8. Default Provisions: Consequences of default by any party

Optional Sections

1. CPF Usage: Terms relating to CPF funds usage for property purchase

2. Foreign Ownership Provisions: Special terms for foreign owners when property owner is non-Singaporean

3. Subletting Provisions: Terms for subletting the property when permitted

Suggested Schedules

1. Schedule 1 - Property Details: Detailed property specifications and floor plans

2. Schedule 2 - Payment Schedule: Detailed mortgage repayment schedule

3. Schedule 3 - Inventory List: List of fixtures and fittings included

4. Appendix A - Required Insurances: Details of mandatory insurance coverage

5. Appendix B - Maintenance Requirements: Property maintenance obligations

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
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Industries

Housing and Development Act (Chapter 129): Primary legislation governing public housing in Singapore, including regulations for mortgage and subletting of HDB properties

Conveyancing and Law of Property Act (Chapter 61): Fundamental legislation that governs property transactions, including legal requirements for mortgages and property transfers

Land Titles Act (Chapter 157): Legislation governing the registration of titles and mortgages, providing legal framework for property ownership

Residential Property Act (Chapter 274): Act controlling foreign ownership of residential properties and requirements for residential property transactions

Moneylenders Act (Chapter 188): Legislation regulating moneylending activities, relevant when mortgage involves licensed moneylenders

Banking Act (Chapter 19): Legislation governing banking institutions and regulations regarding bank-issued mortgages

Stamp Duties Act (Chapter 312): Legislation covering tax implications and stamp duty requirements for property transactions

COVID-19 (Temporary Measures) Act 2020: Temporary legislation affecting property transactions and mortgage obligations during the pandemic period

MAS Guidelines: Regulatory guidelines issued by the Monetary Authority of Singapore affecting mortgage lending

CPF Rules: Rules governing the use of Central Provident Fund savings for property purchases and mortgages

TDSR Framework: Total Debt Servicing Ratio framework limiting the portion of income that can go towards debt repayments

LTV Limits: Loan-to-Value limits determining the maximum amount that can be borrowed against a property's value

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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