1. Insurance Requirements: Required when the lender mandates specific insurance coverage for the property

2. Guarantor Provisions: Included when a guarantor is required to secure the loan

3. Construction Milestones: Required when the loan is for house construction with staged disbursements

4. Prepayment Terms: Included when early repayment options are offered

5. Additional Security Arrangements: Required when multiple properties or assets are provided as security

6. Change of Circumstances: Included when specific provisions for change in borrower's circumstances are needed

7. Assignment and Transfer: Required when either party may need to transfer their rights or obligations

1. Schedule 1 - Property Details: Detailed description of the property being purchased/constructed

2. Schedule 2 - Repayment Schedule: Detailed amortization table showing all payments throughout the loan term

3. Schedule 3 - Insurance Requirements: Specific details of required insurance coverage and terms

4. Schedule 4 - Fees and Charges: Comprehensive list of all applicable fees and charges

5. Schedule 5 - Conditions Precedent Documents: List of all required documentation for loan disbursement

6. Appendix A - Property Valuation Report: Independent valuation of the property

7. Appendix B - Title Documents: Copies of relevant property title documents

8. Appendix C - Construction Plans: If applicable, approved building plans and permits