The Private Mortgage Loan Agreement is essential for private lending transactions in Singapore's real estate market. It provides a comprehensive framework for loans secured against property, ensuring compliance with Singapore's strict lending and property laws. This document is commonly used when traditional bank financing is not suitable or available, and includes crucial elements such as loan terms, security arrangements, interest calculations, and enforcement mechanisms. The agreement must adhere to Singapore's Moneylenders Act and related regulations, particularly regarding interest rate caps and borrower protections.
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1. Parties: Identification of lender and borrower with full legal names and addresses
2. Background: Context of the loan agreement and property details
3. Definitions: Key terms used throughout the agreement including those required under Singapore's Moneylenders Act and Banking Act
4. Loan Amount and Purpose: Specification of loan amount and intended use in compliance with Singapore lending regulations
5. Interest Rate and Calculations: Interest rate terms, calculation method, and payment schedule in accordance with Singapore's usury laws and MAS guidelines
6. Security: Details of the mortgage security over the property as per Property Law Act and Land Titles Act requirements
7. Repayment Terms: Payment schedule, method, and prepayment provisions in compliance with Singapore banking regulations
8. Events of Default: Circumstances constituting default and consequences under Singapore law
9. Representations and Warranties: Statements of fact by borrower regarding their situation and compliance with Singapore regulations
1. Insurance Requirements: Property insurance obligations and requirements under Singapore insurance regulations
2. Guarantor Provisions: Terms relating to any guarantors and their obligations under Singapore law
3. Property Maintenance Obligations: Requirements for property upkeep and maintenance standards
4. Special Payment Provisions: Additional payment terms for unique arrangements compliant with Singapore banking regulations
1. Property Description Schedule: Detailed legal description of the mortgaged property as required by Land Titles Act
2. Payment Schedule: Detailed amortization table showing payment breakdown and interest calculations
3. Insurance Requirements Schedule: Specific insurance requirements and minimum coverage details
4. Required Documents List: List of documents required from borrower under Singapore mortgage regulations
5. Property Valuation Report: Professional valuation of the property in accordance with Singapore valuation standards
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