The Mortgage Loan Contract is a fundamental document in Singapore's property financing landscape, used when a borrower seeks financing for property purchase or refinancing existing property loans. This contract type must comply with Singapore's strict regulatory framework, including MAS guidelines on Total Debt Servicing Ratio (TDSR) and Loan-to-Value (LTV) limits. It establishes the security interest over the property, details repayment obligations, and provides for enforcement mechanisms in case of default, all while adhering to Singapore's property and banking laws.
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Key Requirements PROMPT example:
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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