The House Loan Agreement serves as the primary document governing residential property financing in Singapore. It is used when individuals or entities seek to obtain financing for property purchases, whether HDB or private properties. The agreement must comply with Singapore's strict regulatory framework, including MAS guidelines on TDSR, LTV limits, and fair lending practices. It typically includes comprehensive details about loan terms, security arrangements, borrower obligations, and default provisions, while accommodating specific requirements for CPF usage and property type restrictions.
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1. Parties: Details of the lender and borrower(s), including their full legal names, registration numbers (if applicable), and addresses
2. Background: Context of the loan agreement, including purpose of the loan and brief description of the property being financed
3. Definitions: Definitions of key terms used throughout the agreement, including financial terms, property-related terms, and legal concepts
4. Loan Amount and Purpose: Specified amount of the loan, currency, and confirmed use of funds for property purchase
5. Interest Rate: Interest rate structure, calculation method, and terms for rate changes in accordance with MAS guidelines
6. Repayment Terms: Payment schedule, installment amounts, duration, and method of payment in compliance with TDSR framework
7. Security: Details of mortgage and other securities, including property details and additional collateral if required
8. Borrower's Representations: Warranties and declarations by borrower regarding their financial status, property ownership, and compliance with regulations
9. Events of Default: Circumstances constituting default and consequences, including enforcement rights and remedies
1. Insurance Requirements: Property and mortgage insurance provisions, applicable when lender requires specific insurance coverage
2. CPF Usage: Terms relating to CPF funds utilization, required when borrower uses CPF funds for property purchase
3. Prepayment Provisions: Terms for early repayment, including any penalties or fees, when early repayment options are offered
4. Joint Borrowers: Additional terms for multiple borrowers, including joint and several liability provisions
1. Property Details Schedule: Detailed description of the mortgaged property including address, land title details, and encumbrances
2. Payment Schedule: Detailed repayment schedule with dates, amounts, and breakdown of principal and interest
3. Interest Rate Schedule: Details of interest rate changes, calculation periods, and benchmark rates if applicable
4. Fees Schedule: Comprehensive list of applicable fees and charges including processing fees, late payment fees, and other charges
5. Insurance Requirements Appendix: Detailed insurance requirements including minimum coverage, approved insurers, and policy terms
6. Standard Terms and Conditions: Bank's standard terms and conditions for housing loans as approved by MAS and other regulatory bodies
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