The Down Payment Gift Letter is essential in UAE property transactions where a portion or all of the down payment is being provided as a gift from one party to another, typically family members. This document becomes necessary when mortgage lenders require verification of the down payment source and confirmation that the funds do not need to be repaid. The letter must adhere to UAE Civil Code requirements, Central Bank regulations, and anti-money laundering laws. It includes detailed information about the donor and recipient, specific gift amount, property details, and clear declarations about the gift's nature. The document is particularly important in the UAE market where property purchases often involve family assistance and strict banking regulations require transparent documentation of fund sources.
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1. Date and Location: Specific date and place where the gift letter is executed
2. Donor Information: Full legal name, address, and contact details of the person providing the gift
3. Recipient Information: Full legal name, address, and contact details of the person receiving the gift
4. Property Details: Address and description of the property for which the down payment is being gifted
5. Gift Amount: Specific amount being gifted in numbers and words
6. Gift Declaration: Clear statement that the money is a gift with no expectation of repayment
7. Source of Funds: Declaration of where the gift money originated from
8. Relationship Statement: Description of the relationship between donor and recipient
1. Additional Conditions: Any specific conditions attached to the gift, used when there are particular requirements or restrictions
2. Tax Implications: Statement regarding tax considerations, used when relevant to the jurisdiction or parties' tax residency
3. Joint Donor Declaration: Additional section when gift is coming from multiple donors (e.g., both parents)
4. Property Usage Statement: Statement specifying intended use of property, used when required by mortgage lender
5. Previous Gifts Declaration: Statement about any previous gifts made, used when required by financial institutions
1. Proof of Funds: Bank statements or other documentation showing availability of gifted funds
2. Identity Documentation: Copies of donor and recipient identification documents
3. Relationship Evidence: Documents proving the stated relationship between parties (if required)
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