The Home Co-Ownership Agreement is essential when two or more parties decide to jointly purchase and own a property in Singapore. This agreement becomes particularly relevant due to Singapore's high property prices and strict property ownership regulations. It establishes clear terms for ownership shares, financial obligations, property usage, and dispute resolution mechanisms. The agreement must comply with Singapore's property laws, including HDB regulations where applicable, and may need to address CPF usage, ethnic integration policies, and foreign ownership restrictions. The document serves as a crucial risk management tool by clearly defining each party's rights and responsibilities.
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1. Parties: Details of all co-owners including full names, identification numbers, and addresses
2. Background: Context of the co-ownership arrangement, property details, and purpose of the agreement
3. Definitions: Key terms used throughout the agreement
4. Property Details: Complete legal description of the property and ownership shares
5. Financial Obligations: Cost sharing arrangements, payment terms, and financial responsibilities
6. Rights and Obligations: Rights and responsibilities of each co-owner
7. Property Usage: Terms governing occupancy and use of the property
8. Decision Making: Process for making property-related decisions
9. Termination: Conditions and process for ending the co-ownership
1. Mortgage Details: Terms of any joint mortgage arrangements - include when property is mortgaged
2. Rental Income: Terms for sharing rental income - include when property may be rented out
3. CPF Usage: Terms regarding CPF contributions and refunds - include when CPF funds are used
4. Property Management: Arrangements for property maintenance and management - include for investment properties or when specific management arrangements are needed
5. Right of First Refusal: Process when one party wishes to sell their share - include when parties want this option
1. Schedule 1 - Property Details: Detailed property information including title details and floor plans
2. Schedule 2 - Ownership Shares: Breakdown of ownership percentages and contributions
3. Schedule 3 - Financial Contributions: Record of initial and ongoing financial contributions
4. Schedule 4 - Property Valuation: Independent valuation report or agreed property value
5. Appendix A - House Rules: Agreed rules for property usage and maintenance
6. Appendix B - Property Management Schedule: Maintenance and management responsibilities
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