The Private Mortgage Contract is essential for securing property-based loans in Singapore's real estate market. This document is used when private individuals or institutions lend money secured against property, establishing the rights and obligations of both parties. It must comply with Singapore's regulatory framework, including the Land Titles Act, MAS guidelines, and banking regulations. The contract typically includes detailed loan terms, property descriptions, repayment schedules, default provisions, and enforcement mechanisms. It's particularly relevant for private property transactions outside of standard bank mortgages.
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Key Requirements PROMPT example:
Private Mortgage Contract
"Need a Private Mortgage Contract for a Singapore residential property worth SGD 2.5 million, with a 20-year term and 3.5% fixed interest rate, where the mortgagor is a private individual and the mortgagee is a licensed moneylender."
1. Parties: Identification of mortgagor and mortgagee with full legal details
2. Background: Context of the mortgage arrangement and property details
3. Definitions: Key terms used throughout the agreement
4. Loan Amount and Terms: Principal amount, interest rate, repayment schedule
5. Security Details: Property description and security arrangement
6. Covenants: Mortgagor's obligations and promises
7. Events of Default: Circumstances constituting default and consequences
8. Remedies: Mortgagee's rights upon default
9. Governing Law: Singapore law clause and jurisdiction
1. Insurance Requirements: Property insurance obligations - include when specific insurance requirements are needed
2. Assignment Rights: Rights to assign the mortgage - include when assignment might be contemplated
3. Guarantor Provisions: Terms relating to guarantors - include when a guarantor is involved in the transaction
1. Property Description Schedule: Detailed legal description of the mortgaged property
2. Payment Schedule: Detailed repayment terms and amortization table
3. Property Title Documents: Copies of relevant title documents
4. Valuation Report: Professional valuation of the property
5. Insurance Certificates: Copies of required insurance policies
Authors
Relevant legal definitions
Agreement
Business Day
Commencement Date
Default Rate
Encumbrance
Event of Default
Facility
Interest Period
Interest Rate
Land
Legal Charges
Loan
Maturity Date
Mortgage
Mortgaged Property
Mortgagee
Mortgagor
Outstanding Amount
Payment Date
Principal
Property
Repayment Schedule
Security
Security Documents
Term
Title Documents
Total Amount
Transfer
Valuation Report
Working Day
Business Day
Commencement Date
Default Rate
Encumbrance
Event of Default
Facility
Interest Period
Interest Rate
Land
Legal Charges
Loan
Maturity Date
Mortgage
Mortgaged Property
Mortgagee
Mortgagor
Outstanding Amount
Payment Date
Principal
Property
Repayment Schedule
Security
Security Documents
Term
Title Documents
Total Amount
Transfer
Valuation Report
Working Day
Clauses
Loan Terms
Interest and Payments
Security Creation
Property Covenants
Insurance Requirements
Representations and Warranties
Mortgagor Obligations
Default Provisions
Enforcement Rights
Assignment and Transfer
Property Maintenance
Inspection Rights
Further Assurance
Notice Requirements
Title Protection
Mortgagee Powers
Costs and Expenses
Tax Provisions
Insurance Obligations
Early Repayment
Default Interest
Remedies
Severability
Governing Law
Jurisdiction
Amendment Provisions
Waiver
Force Majeure
Indemnification
Confidentiality
Interest and Payments
Security Creation
Property Covenants
Insurance Requirements
Representations and Warranties
Mortgagor Obligations
Default Provisions
Enforcement Rights
Assignment and Transfer
Property Maintenance
Inspection Rights
Further Assurance
Notice Requirements
Title Protection
Mortgagee Powers
Costs and Expenses
Tax Provisions
Insurance Obligations
Early Repayment
Default Interest
Remedies
Severability
Governing Law
Jurisdiction
Amendment Provisions
Waiver
Force Majeure
Indemnification
Confidentiality
Relevant Industries
Relevant Teams
Relevant Roles
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