Legal Templates
Deed Of Sale With Mortgage

Deed Of Sale With Mortgage Template for Singapore

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Key Requirements PROMPT example:

Deed Of Sale With Mortgage

"I need a Deed of Sale with Mortgage for a residential property purchase in Singapore, where the buyer is using CPF funds and requires an 80% bank loan, with completion scheduled for March 2025."

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What is a Deed Of Sale With Mortgage?

The Deed of Sale with Mortgage is a crucial legal instrument in Singapore's property market, combining both sale and security interests in a single document. This type of deed is commonly used when purchasers require bank financing to complete their property acquisition. The document must comply with Singapore's strict property laws and banking regulations, including requirements under the Conveyancing and Law of Property Act, Land Titles Act, and relevant Monetary Authority of Singapore guidelines. The deed includes essential elements such as property details, purchase price, payment terms, mortgage conditions, and security provisions. It is particularly important for ensuring proper title transfer while simultaneously creating a valid mortgage security interest.

What sections should be included in a Deed Of Sale With Mortgage?

1. Parties: Identifies all parties to the deed including seller, purchaser, and mortgagee

2. Background: Provides context and history of the property transaction

3. Definitions: Defines key terms used throughout the document

4. Property Description: Detailed description of the property being sold

5. Purchase Price: States the agreed purchase price and payment terms

6. Mortgage Terms: Details of the mortgage arrangement including amount, interest, and repayment terms

7. Representations and Warranties: Statements of fact and promises by the parties

8. Completion: Terms and conditions for completing the sale

9. Execution: Formal signing requirements and attestation

What sections are optional to include in a Deed Of Sale With Mortgage?

1. CPF Usage: Required when Central Provident Fund monies are used for purchase

2. HDB Compliance: Special conditions and requirements for HDB properties

3. Foreign Ownership: Additional requirements and restrictions for foreign buyers

What schedules should be included in a Deed Of Sale With Mortgage?

1. Property Schedule: Detailed property specifications and boundaries

2. Payment Schedule: Breakdown of payment instalments and timing

3. Title Documents: Copies of relevant title documents

4. Mortgage Terms Schedule: Detailed mortgage conditions and requirements

5. Property Plans: Floor plans and location maps

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Clauses
Property Description
Sale and Purchase
Purchase Price
Payment Terms
Mortgage Provisions
Security Interest
Representations and Warranties
Conditions Precedent
Completion
Title and Ownership
Property Inspection
Encumbrances
Default and Remedies
Insurance
Assignment
Property Maintenance
Taxes and Duties
CPF Provisions
Legal Requisitions
Notice and Communications
Governing Law
Dispute Resolution
Force Majeure
Severability
Entire Agreement
Amendment and Variation
Costs and Expenses
Further Assurance
Counterparts
Time of Essence
Industries

Conveyancing and Law of Property Act (Cap. 61): Primary legislation governing property transactions and transfers in Singapore. Regulates mortgage provisions and sets out requirements for valid conveyances.

Land Titles Act (Cap. 157): Regulates registered land dealings in Singapore, establishes the Torrens system, and covers mortgage registration requirements.

Housing and Development Act: Governs public housing (HDB) properties, including special rules for ownership and mortgage of public housing units.

Residential Property Act: Controls and regulates foreign ownership of residential properties in Singapore, particularly relevant if any party is non-Singaporean.

Stamp Duties Act: Regulates duty payments on property transfers, including Additional Buyer's Stamp Duty (ABSD) and Seller's Stamp Duty (SSD).

Legal Profession Act: Sets out requirements for legal execution of documents and witnessing requirements for property transactions.

Central Provident Fund Act: Governs rules regarding CPF usage for property purchases and CPF charge requirements.

Banking Act and MAS Guidelines: Contains regulations on mortgage financing and establishes the Total Debt Servicing Ratio (TDSR) framework.

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Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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