This Real Estate Loan Agreement Template is designed for use by financial institutions and borrowers in the United Arab Emirates for property financing transactions. The template incorporates all necessary elements required by UAE Federal Laws, Central Bank regulations, and local property laws, including provisions for both conventional and Islamic financing structures. It is suitable for financing residential or commercial properties, whether completed or under construction, and includes comprehensive sections on security creation, property mortgage registration, and regulatory compliance. The document addresses specific UAE requirements such as maximum loan-to-value ratios, mandatory insurance provisions, and property registration procedures, while maintaining flexibility to accommodate various financing scenarios and property types.
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1. Parties: Identification of the Lender (Financial Institution) and Borrower with full legal names and details
2. Background: Context of the loan arrangement, purpose, and property details
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount, currency, and permitted use
5. Interest Rate and Fees: Details of interest rate calculation, fees, and charges
6. Repayment Terms: Payment schedule, installment amounts, and repayment method
7. Security and Mortgage: Details of the mortgage security and property charge
8. Borrower's Representations: Borrower's warranties and representations regarding their capacity and the property
9. Borrower's Covenants: Ongoing obligations of the borrower during the loan term
10. Events of Default: Circumstances constituting default and consequences
11. Lender's Rights and Remedies: Actions available to the lender in case of default
12. Property Insurance: Requirements for property insurance and claims
13. Assignment and Transfer: Conditions for transfer or assignment of rights under the agreement
14. Notices: Communication methods and contact details
15. Governing Law and Jurisdiction: UAE law as governing law and jurisdiction details
1. Islamic Finance Provisions: Required when the loan is structured as an Islamic finance product, including Shariah-compliance declarations
2. Guarantor Provisions: Required when there is a third-party guarantor for the loan
3. Property Development Conditions: Required for loans involving under-construction properties
4. Foreign Currency Provisions: Required when the loan is denominated in a currency other than AED
5. Multiple Property Security: Required when multiple properties are used as security
6. Co-Borrower Provisions: Required when there are multiple borrowers
7. Prepayment Terms: Optional section detailing early repayment terms and penalties
8. Property Management: Required for commercial properties with specific management requirements
1. Property Schedule: Detailed description of the mortgaged property including title details
2. Payment Schedule: Detailed amortization schedule with payment dates and amounts
3. Fees Schedule: Comprehensive list of all applicable fees and charges
4. Insurance Requirements: Detailed insurance requirements and minimum coverage
5. Form of Drawdown Notice: Template for requesting loan disbursement
6. Security Documents: List and copies of all security documents
7. Condition Precedent Documents: List of required documents before loan disbursement
8. Know Your Customer Requirements: List of required KYC documents and forms
Authors
Relevant legal definitions
Clauses
Relevant Industries
Banking & Financial Services
Real Estate
Construction
Insurance
Legal Services
Islamic Finance
Property Development
Mortgage Services
Commercial Property
Residential Property
Relevant Teams
Legal
Compliance
Real Estate Finance
Credit Risk
Islamic Banking
Property Services
Loan Operations
Document Management
Risk Management
Customer Relations
Relevant Roles
Legal Counsel
Mortgage Officer
Credit Manager
Compliance Officer
Real Estate Manager
Banking Relationship Manager
Property Finance Manager
Risk Assessment Officer
Islamic Banking Specialist
Loan Officer
Property Valuation Specialist
Contract Administrator
Real Estate Finance Director
Banking Operations Manager
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