The Private Home Loan Contract is a crucial document used in Singapore's property financing landscape when individuals seek private funding for residential property purchases. This contract type must comply with Singapore's strict regulatory framework, including MAS guidelines, Banking Act provisions, and consumer protection laws. It details the complete lending arrangement, including loan quantum, interest calculations, repayment schedules, and security provisions. The document is essential for both institutional lenders and licensed private lenders, ensuring all parties' rights and obligations are clearly defined while maintaining compliance with Singapore's financial regulations.
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Key Requirements PROMPT example:
Private Home Loan Contract
"Need a Private Home Loan Contract for a 20-year loan of SGD 800,000 with floating interest rate, to be disbursed by March 2025, with an option for early repayment after 5 years without penalty."
1. Parties: Identifies and defines the Lender and Borrower with full legal names and addresses
2. Background: Outlines the context of the loan agreement and property details
3. Definitions: Defines key terms used throughout the agreement
4. Loan Amount and Purpose: Specifies the principal amount and intended use of the loan
5. Interest Rate: Details the interest rate, calculation method, and variation terms
6. Repayment Terms: Specifies payment schedule, method, and duration
7. Security: Details of property mortgage and other securities
8. Events of Default: Lists circumstances constituting default and consequences
9. Representations and Warranties: Standard declarations by borrower regarding their capacity and circumstances
1. Insurance Requirements: Details of required insurance coverage when lender requires specific insurance policies
2. Guarantor Provisions: Terms relating to guarantors when loan requires additional security
3. Prepayment Terms: Conditions for early repayment when early repayment options are offered
4. Property Maintenance Obligations: Requirements for property upkeep when property condition is critical to security value
1. Repayment Schedule: Detailed payment schedule showing principal and interest breakdown
2. Property Details: Complete description of mortgaged property including title details
3. Interest Rate Calculation Methods: Detailed explanation of interest calculations and examples
4. Required Insurance Specifications: Details of required insurance coverage and terms
5. Standard Form Notices: Templates for various notices under the agreement
Authors
Relevant legal definitions
Agreement
Annual Percentage Rate (APR)
Applicable Law
Borrower
Business Day
Commencement Date
Default Interest
Default Event
Drawdown Date
Encumbrance
Facility
Fixed Rate Period
Floating Rate
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Account
Maturity Date
Mortgage
Mortgaged Property
Outstanding Balance
Payment Date
Prepayment
Principal
Property
Repayment Schedule
Security
Security Documents
SIBOR
SOR
Term
Title Documents
Total Amount Payable
Valuation Report
Working Day
Annual Percentage Rate (APR)
Applicable Law
Borrower
Business Day
Commencement Date
Default Interest
Default Event
Drawdown Date
Encumbrance
Facility
Fixed Rate Period
Floating Rate
Guarantor
Interest Payment Date
Interest Period
Interest Rate
Lender
Loan
Loan Account
Maturity Date
Mortgage
Mortgaged Property
Outstanding Balance
Payment Date
Prepayment
Principal
Property
Repayment Schedule
Security
Security Documents
SIBOR
SOR
Term
Title Documents
Total Amount Payable
Valuation Report
Working Day
Clauses
Loan Amount and Disbursement
Interest Rate and Calculation
Repayment Terms
Security and Mortgage
Representations and Warranties
Conditions Precedent
Borrower Covenants
Events of Default
Remedies
Prepayment
Insurance
Property Maintenance
Assignment and Transfer
Notices
Confidentiality
Force Majeure
Governing Law
Dispute Resolution
Amendment and Modification
Severability
Costs and Expenses
Indemnification
Termination
Entire Agreement
Waiver
Further Assurance
Time of Essence
Counterparts
Interest Rate and Calculation
Repayment Terms
Security and Mortgage
Representations and Warranties
Conditions Precedent
Borrower Covenants
Events of Default
Remedies
Prepayment
Insurance
Property Maintenance
Assignment and Transfer
Notices
Confidentiality
Force Majeure
Governing Law
Dispute Resolution
Amendment and Modification
Severability
Costs and Expenses
Indemnification
Termination
Entire Agreement
Waiver
Further Assurance
Time of Essence
Counterparts
Relevant Industries
Relevant Teams
Relevant Roles
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