The Property Loan Agreement is a fundamental document in Singapore's real estate financing landscape, used when individuals or entities seek funding for property purchases. This agreement, governed by Singapore law, must comply with strict regulatory requirements including MAS guidelines, Banking Act provisions, and property ownership restrictions. It typically includes comprehensive details about the loan amount, interest calculations, repayment schedule, security arrangements, and the specific property being financed. The agreement is particularly important in Singapore's regulated property market, where different rules apply to various property types (HDB, private residential, commercial) and borrower categories (citizens, permanent residents, foreigners).
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1. Parties: Details of lender and borrower
2. Background: Context of the loan agreement and property details
3. Definitions: Key terms used throughout the agreement
4. Loan Amount and Purpose: Specific amount being borrowed and its intended use
5. Interest Rate and Calculations: Interest rate terms, calculation method, and variations
6. Repayment Terms: Payment schedule, installment amounts, and duration
7. Security: Details of property mortgage and other securities
8. Borrower's Representations and Warranties: Borrower's declarations regarding their status and capacity
9. Events of Default: Circumstances constituting default and consequences
1. Insurance Requirements: Property and mortgage insurance requirements - include when insurance is mandated by the lender
2. Guarantor Provisions: Terms relating to guarantors - include when a guarantor is involved in the loan
3. Property Development Conditions: Construction or development requirements - include for properties under construction
4. Foreign Currency Provisions: Terms for foreign currency loans - include when loan is in foreign currency
1. Property Details Schedule: Detailed description of the mortgaged property
2. Payment Schedule: Detailed repayment schedule with dates and amounts
3. Interest Rate Schedule: Details of interest rate calculations and variations
4. Security Documents: List of security documents and their details
5. Insurance Requirements Schedule: Detailed insurance requirements and conditions
6. Standard Terms and Conditions: Bank's standard terms and conditions
Relevant legal definitions
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