The Mortgage Loan Agreement is a fundamental document in Singapore's property financing landscape, used when individuals or entities seek to purchase real estate with borrowed funds. This agreement, governed by Singapore law and MAS regulations, establishes the legal framework for the loan, including security interests, repayment obligations, and enforcement rights. It must comply with strict regulatory requirements including TDSR and LTV limits, and typically involves detailed provisions for property valuation, insurance, and default scenarios. The agreement is essential for both residential and commercial property transactions in Singapore.
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1. Parties: Details of the lender and borrower(s), including their full legal names, registration numbers (if companies), and addresses
2. Background: Context of the loan and property purchase, including the purpose of the loan and brief description of the property
3. Definitions: Key terms used throughout the agreement, including financial terms, property-related definitions, and regulatory references
4. Loan Details: Principal amount, interest rate, term, and repayment schedule, including compliance with MAS guidelines on TDSR and LTV limits
5. Security: Details of the mortgage and property being used as security, including the legal charge over the property
6. Borrower's Covenants: Obligations and promises of the borrower, including property maintenance, payment obligations, and compliance with laws
7. Events of Default: Circumstances constituting default and consequences, including missed payments, breach of covenants, and insolvency events
8. Lender's Rights and Remedies: Actions available to lender upon default, including power of sale, appointment of receivers, and acceleration rights
1. Insurance Requirements: Property and mortgage insurance requirements, including minimum coverage amounts and named insured parties
2. Prepayment Provisions: Terms for early repayment, including any prepayment penalties or notice requirements
3. Guarantor Provisions: Terms relating to guarantors, including their obligations and the extent of their liability
4. Property Development Conditions: Special conditions for properties under construction, including stage payments and completion requirements
1. Property Schedule: Detailed description of the mortgaged property, including title details and encumbrances
2. Repayment Schedule: Detailed payment schedule including principal and interest calculations
3. Fee Schedule: List of applicable fees and charges, including processing fees, late payment fees, and administrative charges
4. Insurance Schedule: Details of required insurance coverage, including types of insurance and minimum coverage amounts
5. Standard Terms and Conditions: Bank's standard mortgage terms and conditions as required by Singapore banking regulations
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