The Mortgage Contract Agreement is a fundamental document in Singapore property transactions, used when a property purchase is financed through a loan. This agreement must comply with Singapore's strict property and banking regulations, including MAS guidelines on loan-to-value ratios and total debt servicing requirements. The document establishes the legal framework for the mortgage, detailing the obligations of all parties, security arrangements, and enforcement mechanisms. It's particularly important given Singapore's unique property landscape, which includes both private and HDB properties, each with specific regulatory requirements.
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1. Parties: Identification of mortgagor and mortgagee with full details
2. Background: Context of the mortgage agreement and property details
3. Definitions: Key terms used throughout the agreement
4. Loan Details: Principal amount, interest rate, tenure, and repayment terms
5. Security: Description of the mortgaged property and charge details
6. Covenants: Mortgagor's obligations and promises
7. Events of Default: Circumstances constituting default and consequences
8. Enforcement Rights: Mortgagee's rights upon default
1. Insurance Requirements: Property insurance obligations - include when insurance is required by the lender
2. CPF Usage: Terms relating to CPF funds usage - include when CPF funds are used for property purchase
3. Construction Provisions: Terms relating to property under construction - include for mortgages on uncompleted properties
1. Property Schedule: Detailed description of the mortgaged property
2. Payment Schedule: Repayment schedule including installment amounts
3. Facility Letter: Terms of the loan facility
4. Property Title Documents: Copies of relevant title documents
5. Insurance Schedule: Details of required insurance coverage
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