1. Guarantor Provisions: Include when there is a guarantor for the loan

2. Insurance Requirements: Include when specific insurance coverage is required for the property

3. Prepayment Terms: Include when early repayment options are available

4. Additional Security: Include when additional collateral besides the primary property is provided

5. Assignment and Transfer: Include when the lender wants the right to assign the loan

6. Cross Default: Include when default on other loans should trigger default on this loan

7. Force Majeure: Include when specific circumstances beyond parties' control should be addressed

1. Schedule 1 - Property Details: Detailed description of the mortgaged property including title and encumbrance details

2. Schedule 2 - Repayment Schedule: Detailed amortization schedule with payment dates and amounts

3. Schedule 3 - Disbursement Schedule: If loan is to be disbursed in installments, details of conditions and timing

4. Schedule 4 - Interest Calculation: Detailed method of interest calculation with examples

5. Schedule 5 - Security Documents: List of security documents executed in connection with the loan

6. Appendix A - Required Insurance: Details of required insurance coverage and terms

7. Appendix B - Form of Notice: Standard formats for various notices under the agreement