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Mortgage Loan Contract
"I need a Mortgage Loan Contract for a residential property in Singapore with a loan amount of SGD 1.2 million, including specific provisions for early repayment and the option to switch between fixed and floating interest rates after March 2025."
1. Parties: Identifies the lender and borrower with full legal names and addresses
2. Background: Sets out the context of the loan and property details
3. Definitions: Defines key terms used throughout the agreement
4. Loan Amount and Purpose: Specifies the principal amount and purpose of the loan
5. Interest Rate and Calculations: Details the interest rate, calculation method, and adjustment provisions
6. Repayment Terms: Outlines payment schedule, installment amounts, and repayment method
7. Security: Details of the mortgage security and property charged
8. Borrower's Covenants: Borrower's obligations including property maintenance and insurance
9. Events of Default: Circumstances constituting default and consequences
10. Enforcement Rights: Lender's rights and remedies upon default
1. Insurance Requirements: Detailed insurance obligations when specific insurance requirements need to be elaborated
2. CPF Usage: Terms relating to CPF funds usage when CPF funds are being used for property purchase/payments
3. Construction Provisions: Terms relating to property under construction, applicable for properties under construction
4. Multiple Borrowers: Joint and several liability provisions when there are multiple borrowers
1. Property Description 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 adjustments
4. Insurance Schedule: Required insurance coverage details
5. Standard Terms and Conditions: Bank's standard mortgage terms and conditions
6. Fee Schedule: List of applicable fees and charges
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