¶¶Òõ¶ÌÊÓƵ

All Countries
Real Estate
Private Home Loan Contract

Private Home Loan Contract Generator for Singapore

Create a bespoke document in minutes,  or upload and review your own.

4.6 / 5
4.8 / 5

Let's create your Private Home Loan Contract

Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.

Get your first 2 documents free

Your data doesn't train Genie's AI

You keep IP ownership of your information

Key Requirements PROMPT example:

Private Home Loan Contract

"Need a Private Home Loan Contract for a 20-year loan of SGD 800,000 with floating interest rate, to be disbursed by March 2025, with an option for early repayment after 5 years without penalty."

Celebrated by
Collaborations with
Investors
Document background
The Private Home Loan Contract is a crucial document used in Singapore's property financing landscape when individuals seek private funding for residential property purchases. This contract type must comply with Singapore's strict regulatory framework, including MAS guidelines, Banking Act provisions, and consumer protection laws. It details the complete lending arrangement, including loan quantum, interest calculations, repayment schedules, and security provisions. The document is essential for both institutional lenders and licensed private lenders, ensuring all parties' rights and obligations are clearly defined while maintaining compliance with Singapore's financial regulations.
Suggested Sections

1. Parties: Identifies and defines the Lender and Borrower with full legal names and addresses

2. Background: Outlines the context of the loan agreement and property details

3. Definitions: Defines key terms used throughout the agreement

4. Loan Amount and Purpose: Specifies the principal amount and intended use of the loan

5. Interest Rate: Details the interest rate, calculation method, and variation terms

6. Repayment Terms: Specifies payment schedule, method, and duration

7. Security: Details of property mortgage and other securities

8. Events of Default: Lists circumstances constituting default and consequences

9. Representations and Warranties: Standard declarations by borrower regarding their capacity and circumstances

Optional Sections

1. Insurance Requirements: Details of required insurance coverage when lender requires specific insurance policies

2. Guarantor Provisions: Terms relating to guarantors when loan requires additional security

3. Prepayment Terms: Conditions for early repayment when early repayment options are offered

4. Property Maintenance Obligations: Requirements for property upkeep when property condition is critical to security value

Suggested Schedules

1. Repayment Schedule: Detailed payment schedule showing principal and interest breakdown

2. Property Details: Complete description of mortgaged property including title details

3. Interest Rate Calculation Methods: Detailed explanation of interest calculations and examples

4. Required Insurance Specifications: Details of required insurance coverage and terms

5. Standard Form Notices: Templates for various notices under the agreement

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






































Clauses




























Industries

Banking Act (Chapter 19): Primary legislation governing banking institutions and their operations in Singapore, including regulations on residential property loans

Moneylenders Act (Chapter 188): Regulates money lending activities and protects borrowers from unfair lending practices

Residential Property Act (Chapter 274): Governs the ownership and transaction of residential properties in Singapore

Consumer Protection (Fair Trading) Act: Protects consumers against unfair practices and ensures fair trading terms

Contracts Act (Chapter 53): Fundamental law governing contract formation, validity, and enforcement in Singapore

Housing and Development Act: Regulates public housing (HDB) properties and related transactions

Land Titles Act (Chapter 157): Governs the registration and transfer of land titles in Singapore

Conveyancing and Law of Property Act (Chapter 61): Regulates property transactions and transfer of real estate interests

Bankruptcy Act (Chapter 20): Governs insolvency proceedings and protects creditors' interests in default situations

MAS Notice 632: Specific guidelines under Banking Act for residential property loans, including TDSR and LTV limits

Personal Data Protection Act 2012: Governs the collection, use, and disclosure of personal data in Singapore

Unfair Contract Terms Act: Regulates unfair terms in contracts and protects against unreasonable contract provisions

Registration of Deeds Act: Governs the registration of deeds and instruments affecting land

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 maximum loan amount relative to property 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

Find the exact document you need

Private Home Loan Contract

find out more

Mortgage Loan Contract

find out more

Mortgage Indemnity Agreement

find out more

Mortgage Broker Agreement In Principle

find out more

Land Mortgage Agreement

find out more

Mortgage Separation Agreement

find out more

Joint Mortgage Agreement

find out more

Third Party Mortgage Agreement

find out more

Mortgage Contract Agreement

find out more

Mortgage Lease Agreement

find out more

Mortgage Assumption Agreement

find out more

Download our whitepaper on the future of AI in Legal

By providing your email address you are consenting to our Privacy Notice.
Thank you for downloading our whitepaper. This should arrive in your inbox shortly. In the meantime, why not jump straight to a section that interests you here: /our-research
Oops! Something went wrong while submitting the form.

³Ò±ð²Ô¾±±ð’s Security Promise

Genie is the safest place to draft. Here’s how we prioritise your privacy and security.

Your documents are private:

We do not train on your data; ³Ò±ð²Ô¾±±ð’s AI improves independently

All data stored on Genie is private to your organisation

Your documents are protected:

Your documents are protected by ultra-secure 256-bit encryption

Our bank-grade security infrastructure undergoes regular external audits

We are ISO27001 certified, so your data is secure

Organizational security

You retain IP ownership of your documents

You have full control over your data and who gets to see it

Innovation in privacy:

Genie partnered with the Computational Privacy Department at Imperial College London

Together, we ran a £1 million research project on privacy and anonymity in legal contracts

Want to know more?

Visit our for more details and real-time security updates.

Read our Privacy Policy.