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1. Parties: Identification of the lender (typically a bank or financial institution) and the borrower(s), including full legal names, addresses, and any registration numbers
2. Background: Context of the mortgage agreement, including the property purchase and purpose of the loan
3. Definitions: Definitions of key terms used throughout the agreement
4. Property Details: Complete description of the mortgaged property, including address, land registry details, and property identification numbers
5. Loan Amount and Purpose: Specification of the mortgage amount, currency, and intended use of the funds
6. Interest Rate and Calculations: Details of the interest rate (fixed or variable), calculation method, and adjustment mechanisms
7. Repayment Terms: Schedule and methods of repayment, including amortization requirements and payment dates
8. Security and Mortgage Rank: Details of the mortgage security, including ranking of the mortgage and any other securities
9. Borrower's Representations and Warranties: Declarations by the borrower regarding their financial status, property ownership, and other relevant matters
10. Borrower's Obligations: Ongoing obligations including property maintenance, insurance, and compliance with regulations
11. Events of Default: Circumstances constituting default and the lender's rights in such cases
12. Lender's Rights and Remedies: Rights of the lender in various scenarios, including default
13. Fees and Costs: All fees, charges, and costs associated with the mortgage
14. Notices: Communication requirements and methods between parties
15. Governing Law and Jurisdiction: Confirmation of Swiss law application and jurisdiction
1. Co-Borrower Provisions: Additional terms when there are multiple borrowers - used when the mortgage involves more than one borrower
2. Construction Provisions: Specific terms for construction mortgages - used when the property is yet to be built or undergoing major renovation
3. Commercial Use Provisions: Additional terms for properties used commercially - used when the property is not purely residential
4. Cross-Default Provisions: Terms relating to other loans or obligations - used when the borrower has multiple facilities with the lender
5. Foreign Currency Provisions: Special terms for mortgages in foreign currencies - used when the mortgage is not in Swiss Francs
6. Rental Income Provisions: Terms regarding rental income and assignment - used for investment properties
7. Environmental Provisions: Additional terms regarding environmental risks - used for properties with potential environmental concerns
1. Property Description Schedule: Detailed technical description of the property, including exact measurements, boundaries, and land registry excerpts
2. Payment Schedule: Detailed amortization table showing payment dates, amounts, and interest calculations
3. Insurance Requirements: Detailed list of required insurance coverage and minimum amounts
4. Property Valuation Report: Official property valuation report from approved valuers
5. Fee Schedule: Detailed breakdown of all applicable fees and charges
6. Required Documents: List of all documents required from the borrower, including timing requirements
7. Building Insurance Certificate: Copy of the building insurance certificate and coverage details
8. Land Registry Extract: Official extract from the land registry (Grundbuch/Registre foncier)
Amortization Schedule
Applicable Law
Approval
Banking Day
Borrower
Business Day
Cantonal Requirements
Completion Date
Default Interest
Default Rate
Early Repayment
Effective Date
Encumbrance
Event of Default
Facility
FINMA
Fixed Interest Period
Fixed Rate
Grundbuch/Registre foncier
Grundpfandverschreibung/C��dule hypoth��caire
Insurance Policy
Interest Payment Date
Interest Period
Interest Rate
Land Registry
Lender
Loan
Loan Amount
Loan to Value Ratio
Material Adverse Effect
Maturity Date
Mortgage
Mortgage Priority
Mortgage Rank
Mortgaged Property
Outstanding Amount
Payment Date
Permitted Encumbrance
Property
Property Value
Reference Rate
Repayment Date
Repayment Schedule
Security
Security Documents
Swiss Civil Code
Swiss Code of Obligations
Title Documents
Valuation Report
Variable Rate
Loan Amount
Interest Rate
Repayment Terms
Security Interest
Property Registration
Insurance Requirements
Representations and Warranties
Borrower Covenants
Lender Covenants
Events of Default
Remedies
Early Repayment
Assignment and Transfer
Property Maintenance
Property Use Restrictions
Mortgage Priority
Payment Provisions
Force Majeure
Amendments and Modifications
Notices
Governing Law
Jurisdiction
Severability
Integration
Costs and Expenses
Tax Provisions
Environmental Compliance
Default Interest
Property Valuation
Insurance Assignment
Regulatory Compliance
Information Disclosure
Anti-Money Laundering
Termination Rights
Banking & Financial Services
Real Estate
Legal Services
Insurance
Construction & Development
Property Management
Financial Technology
Wealth Management
Public Sector
Legal
Mortgage Operations
Risk & Compliance
Real Estate Finance
Credit Assessment
Document Management
Client Advisory
Property Services
Regulatory Affairs
Banking Operations
Underwriting
Quality Assurance
Mortgage Advisor
Legal Counsel
Banking Relationship Manager
Credit Risk Officer
Property Valuation Specialist
Compliance Officer
Real Estate Manager
Financial Controller
Notary Public
Banking Operations Manager
Mortgage Underwriter
Property Lawyer
Document Specialist
Risk Assessment Officer
Client Advisory Officer
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