The Land Mortgage Agreement is a crucial document in Singapore's property financing landscape, used when a property owner seeks to secure financing using their real estate as collateral. This agreement must comply with Singapore's strict property laws and banking regulations, including MAS guidelines on loan-to-value ratios and total debt servicing requirements. The document details the terms of the mortgage, security arrangements, and enforcement mechanisms, while incorporating mandatory provisions under Singapore law. Land Mortgage Agreements are particularly important given Singapore's regulated property market and the high value of real estate transactions in the jurisdiction.
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Key Requirements PROMPT example:
Land Mortgage Agreement
"Need a Land Mortgage Agreement for a commercial property in Singapore's CBD area, with a loan value of SGD 5 million and quarterly repayment schedule, to be executed by March 2025, including specific provisions for property insurance and management."
1. Parties: Details of mortgagor and mortgagee, including registration numbers for companies or ID numbers for individuals
2. Background: Context of the mortgage arrangement and property details
3. Definitions: Key terms used throughout the agreement
4. Property Description: Detailed description of mortgaged property including title details
5. Mortgage Terms: Principal sum, interest rate, repayment terms
6. Mortgagor's Covenants: Obligations of the property owner
7. Security Provisions: Details of the security being created
8. Default Provisions: Consequences and remedies in case of default
9. Execution: Signing requirements and attestation
1. Insurance Requirements: Specific insurance obligations - include when mortgagee requires specific insurance coverage
2. Assignment Provisions: Terms for assigning the mortgage - include when assignment rights are to be specified
3. Property Management: Specific requirements for property maintenance - include for commercial properties or specific maintenance requirements
1. Property Schedule: Detailed property description including boundaries and floor plans
2. Payment Schedule: Detailed repayment schedule including installment amounts and dates
3. Title Documents: Copies of relevant title documents
4. Insurance Schedule: Details of required insurance coverage
5. Condition Report: Current condition of the property
Authors
Relevant legal definitions
Agreement
Business Day
Commencement Date
Default Event
Default Interest Rate
Encumbrance
Enforcement Action
Facility
Interest Payment Date
Interest Period
Interest Rate
Land
Loan
Mortgage
Mortgaged Property
Mortgagee
Mortgagor
Party/Parties
Payment Date
Permitted Security Interest
Principal
Property
Repayment Date
Secured Obligations
Security
Singapore Dollars/SGD
Term
Title Documents
Associated Company
Guarantor
Insurance Policy
Material Adverse Effect
Occupier
Planning Laws
Relevant Authority
Required Insurances
Taxes
Valuation
Business Day
Commencement Date
Default Event
Default Interest Rate
Encumbrance
Enforcement Action
Facility
Interest Payment Date
Interest Period
Interest Rate
Land
Loan
Mortgage
Mortgaged Property
Mortgagee
Mortgagor
Party/Parties
Payment Date
Permitted Security Interest
Principal
Property
Repayment Date
Secured Obligations
Security
Singapore Dollars/SGD
Term
Title Documents
Associated Company
Guarantor
Insurance Policy
Material Adverse Effect
Occupier
Planning Laws
Relevant Authority
Required Insurances
Taxes
Valuation
Clauses
Property Description
Creation of Mortgage
Loan and Payment Terms
Interest Provisions
Security Covenants
Mortgagor's Representations
Mortgagor's Warranties
Mortgagor's Covenants
Property Maintenance
Insurance Requirements
Default Events
Enforcement Rights
Power of Sale
Assignment and Transfer
Notices
Governing Law
Jurisdiction
Severability
Entire Agreement
Amendments
Costs and Expenses
Waiver
Further Assurance
Guarantees
Environmental Compliance
Property Management
Valuation Rights
Rental Income
Cross-Default
Force Majeure
Change of Control
Creation of Mortgage
Loan and Payment Terms
Interest Provisions
Security Covenants
Mortgagor's Representations
Mortgagor's Warranties
Mortgagor's Covenants
Property Maintenance
Insurance Requirements
Default Events
Enforcement Rights
Power of Sale
Assignment and Transfer
Notices
Governing Law
Jurisdiction
Severability
Entire Agreement
Amendments
Costs and Expenses
Waiver
Further Assurance
Guarantees
Environmental Compliance
Property Management
Valuation Rights
Rental Income
Cross-Default
Force Majeure
Change of Control
Relevant Industries
Relevant Teams
Relevant Roles
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