The Joint Mortgage Agreement is essential when multiple parties wish to share responsibility for a mortgage in Singapore. This document is commonly used by family members, married couples, or business partners looking to jointly purchase property. The agreement outlines each party's rights and obligations, establishes joint and several liability, and includes specific provisions required under Singapore law. It must comply with MAS guidelines, including TDSR requirements and LTV limits, while potentially incorporating CPF usage and HDB requirements where applicable.
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Key Requirements PROMPT example:
Joint Mortgage Agreement
"Need a Joint Mortgage Agreement for a Singapore HDB flat purchase with my spouse, where we're both using our CPF funds and borrowing from DBS Bank, with completion planned for March 2025."
1. Parties: Identification of all joint mortgagors and the mortgagee, including their full legal names, addresses, and registration numbers for entities
2. Background: Context of the mortgage agreement, property details, and purpose of the loan
3. Definitions: Key terms used throughout the agreement including defined terms for Property, Mortgage, Security, and other relevant terminology
4. Loan Details: Specification of loan amount, interest rate, tenure, and repayment terms including payment dates and methods
5. Security Provisions: Details of the property being mortgaged, security arrangements, and mortgagee's rights over the security
6. Joint and Several Liability: Provisions detailing shared responsibility of joint mortgagors and their obligations
7. Covenants: Mortgagors' obligations regarding property maintenance, payments, insurance, and other ongoing commitments
8. Events of Default: Circumstances constituting default and consequences thereof
9. Enforcement Rights: Mortgagee's rights and remedies in case of default including power of sale
1. CPF Usage: Terms and conditions relating to the use of CPF funds for property purchase or mortgage payments
2. HDB Specific Terms: Special conditions and requirements applicable to HDB properties
3. Insurance Requirements: Specific insurance obligations and requirements imposed by the mortgagee
4. Property Management: Terms relating to management corporation requirements and maintenance obligations
5. Assignment Provisions: Terms governing the assignment or transfer of the mortgage
1. Property Description Schedule: Detailed legal description of the mortgaged property including lot number, title details, and address
2. Payment Schedule: Detailed repayment schedule showing installment amounts, payment dates, and amortization table
3. Insurance Schedule: Specification of required insurance coverage types, amounts, and beneficiary details
4. Special Conditions Schedule: Property-specific or borrower-specific conditions and requirements
5. Fee Schedule: Breakdown of all applicable fees, charges, and costs related to the mortgage
Authors
Relevant legal definitions
Agreed Proportion
Arrears
Bank
Business Day
Completion Date
CPF
Default Interest Rate
Effective Date
Event of Default
Facility
HDB
Interest Period
Interest Rate
Joint Mortgagors
Land
Legal Charges
Loan
Loan Account
Loan Documents
MAS
Maturity Date
Monthly Installment
Mortgage
Mortgaged Property
Mortgagee
Outstanding Balance
Payment Date
Principal Sum
Property
Reference Rate
Repayment Schedule
Security
Security Documents
TDSR
Term
Title Documents
Arrears
Bank
Business Day
Completion Date
CPF
Default Interest Rate
Effective Date
Event of Default
Facility
HDB
Interest Period
Interest Rate
Joint Mortgagors
Land
Legal Charges
Loan
Loan Account
Loan Documents
MAS
Maturity Date
Monthly Installment
Mortgage
Mortgaged Property
Mortgagee
Outstanding Balance
Payment Date
Principal Sum
Property
Reference Rate
Repayment Schedule
Security
Security Documents
TDSR
Term
Title Documents
Clauses
Loan Amount and Purpose
Interest and Payments
Security and Charge
Joint and Several Liability
Representations and Warranties
Covenants
Property Maintenance
Insurance
Events of Default
Remedies
Assignment and Transfer
Notices
Amendments and Variations
Severability
Governing Law
Jurisdiction
Force Majeure
Entire Agreement
Costs and Expenses
Set-off Rights
CPF Provisions
Property Usage
Default Interest
Early Repayment
Further Assurance
Waiver
Time of Essence
Counterparts
Interest and Payments
Security and Charge
Joint and Several Liability
Representations and Warranties
Covenants
Property Maintenance
Insurance
Events of Default
Remedies
Assignment and Transfer
Notices
Amendments and Variations
Severability
Governing Law
Jurisdiction
Force Majeure
Entire Agreement
Costs and Expenses
Set-off Rights
CPF Provisions
Property Usage
Default Interest
Early Repayment
Further Assurance
Waiver
Time of Essence
Counterparts
Relevant Industries
Relevant Teams
Relevant Roles
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