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1. Parties: Identification of the Lender and Borrower with full legal names and addresses
2. Background: Context of the loan, purpose, and reference to the property being financed
3. Definitions: Key terms used throughout the document including Property, Security, Facility Amount, etc.
4. Facility Amount and Purpose: Details of the loan amount, purpose, and drawdown conditions
5. Interest/Profit Rate: Specification of interest rate or profit rate (for Islamic financing), calculation method, and payment periods
6. Repayment Terms: Schedule of payments, payment methods, and prepayment provisions
7. Security: Details of the property mortgage/security and any additional security requirements
8. Representations and Warranties: Borrower's confirmations regarding their legal capacity, property ownership, and other material facts
9. Covenants: Ongoing obligations of the Borrower including property maintenance, insurance, and financial commitments
10. Events of Default: Circumstances constituting default and consequences thereof
11. Enforcement: Lender's rights and remedies upon default, including property sale provisions
1. Islamic Finance Provisions: Required if the loan is structured as an Islamic facility, including Sharia-compliant terms and structures
2. Guarantor Provisions: Required if there is a third-party guarantor for the loan
3. Property Management: Required for income-generating properties where rental income is part of the security
4. Insurance Requirements: Detailed section required for high-value properties or commercial properties
5. Construction Provisions: Required if the property is under construction or major renovation
6. Multiple Currency Provisions: Required if the loan facility involves multiple currencies
7. Co-borrower Provisions: Required if there are multiple borrowers for the same facility
1. Property Description: Detailed legal description of the property including title details and registration information
2. Payment Schedule: Detailed amortization schedule showing payment dates, amounts, and breakdown
3. Security Documents: List and copies of all security documents including mortgage deed
4. Conditions Precedent: List of documents and conditions required before loan disbursement
5. Form of Drawdown Notice: Standard format for requesting loan disbursement
6. Insurance Requirements: Detailed specifications for required insurance coverage
7. Fees and Charges: Complete schedule of all applicable fees, charges, and commission
Additional Security
Applicable Law
Applicable Rate
Authority
Available Facility
Banking Day
Borrower
Business Day
Calculation Period
Charged Property
Conditions Precedent
Default
Default Rate
Disbursement Date
Due Date
Encumbrance
Event of Default
Facility
Facility Amount
Facility Period
Finance Documents
Financial Indebtedness
Financial Statements
Financing Statement
Governmental Authority
Guarantee
Guarantor
Interest Period
Interest Rate
Islamic Financing Provisions
Land Department
Legal Documentation
Lender
Material Adverse Effect
Maturity Date
Mortgage
Notice
Outstanding Amount
Payment Date
Permitted Security
Property
Property Registration Law
Purchase Price
Registrar
Relevant Authority
Repayment Date
Repayment Schedule
Security
Security Agent
Security Documents
Security Interest
Security Period
Sharia Committee
Taxes
Title Deed
Transaction Documents
UAE
Valuation Report
Disbursement
Interest/Profit Rate
Repayment
Security
Property Title
Registration Requirements
Representations and Warranties
Covenants
Conditions Precedent
Events of Default
Enforcement
Property Insurance
Assignment
Set-off
Costs and Expenses
Notices
Amendments
Governing Law
Jurisdiction
Property Maintenance
Islamic Finance Compliance
Further Assurance
Transfer and Assignment
Severability
Entire Agreement
Force Majeure
Confidentiality
Anti-Money Laundering
Tax
Property Valuation
Property Usage
Default Interest
Prepayment
Insurance
Property Disposal
Change of Control
Information Undertakings
Financial Covenants
Property Covenants
Banking & Finance
Real Estate
Islamic Finance
Property Development
Construction
Investment & Asset Management
Property Management
Legal Services
Legal
Finance
Real Estate
Compliance
Risk Management
Credit
Islamic Banking
Property Management
Corporate Banking
Retail Banking
Legal Counsel
Finance Manager
Property Finance Manager
Real Estate Manager
Compliance Officer
Risk Manager
Credit Manager
Islamic Finance Specialist
Property Lawyer
Banking Relationship Manager
Mortgage Specialist
Real Estate Investment Manager
Chief Legal Officer
Chief Financial Officer
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