The Mortgage and Promissory Note is essential for property financing transactions in Singapore. This document is used when a borrower seeks financing for property purchase or refinancing, combining the security interest in the property with a formal promise to repay the loan. It must comply with Singapore's comprehensive regulatory framework, including the Conveyancing and Law of Property Act, Banking Act, and MAS guidelines. The document typically includes loan terms, property details, repayment schedules, and default provisions, all structured to meet Singapore's specific legal requirements and banking regulations.
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Key Requirements PROMPT example:
Mortgage And Promissory Note
"Need a Mortgage and Promissory Note for a commercial property purchase in Singapore valued at SGD 2.5 million, with a 20-year term and variable interest rate, where the borrower is a foreign-owned company requiring additional foreign ownership clauses."
1. Parties: Identification of mortgagor and mortgagee with full legal names and addresses
2. Background: Context of the mortgage arrangement and property details
3. Definitions: Key terms used throughout the document
4. Loan Amount and Terms: Principal amount, interest rate, and loan duration
5. Security: Description of mortgaged property and security arrangements
6. Repayment Terms: Payment schedule, installment amounts, and payment methods
7. Mortgagor's Covenants: Obligations of the borrower including property maintenance and insurance
8. Events of Default: Circumstances constituting default and consequences
9. Enforcement Rights: Mortgagee's rights upon default
1. HDB Compliance: Required for HDB properties, containing specific HDB requirements
2. Foreign Ownership: Additional requirements for foreign buyers
3. Early Repayment: Terms for early loan settlement
4. Property Management: Specific requirements for property maintenance
1. Property Details Schedule: Detailed property description, boundaries, and title information
2. Payment Schedule: Detailed breakdown of payment installments and dates
3. Insurance Requirements: Specific insurance coverage requirements and terms
4. Property Valuation Report: Professional valuation of the mortgaged property
5. Land Title Documents: Copies of relevant title documents and certificates
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