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Demand Letter Mortgage

Demand Letter Mortgage Template for United Arab Emirates

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Key Requirements PROMPT example:

Demand Letter Mortgage

"I need a Demand Letter Mortgage for a defaulted commercial property loan in Dubai, where the borrower has missed three consecutive payments; the letter should reference two previous warning notices sent in March 2025 and include provisions for the enforcement of security over multiple retail units in Business Bay."

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Document background
The Demand Letter Mortgage is a critical document in the UAE's property financing framework, used when a borrower has defaulted on their mortgage payments. This document type combines elements of both a formal demand notice and a reference to mortgage security rights, operating within the UAE's sophisticated real estate and banking regulatory environment. It is typically issued after payment defaults and before initiating formal foreclosure proceedings, serving as a mandatory step in the enforcement process. The document must comply with various UAE federal and emirate-specific regulations, including UAE Federal Law No. 14 of 2008 and relevant Central Bank directives. A properly structured Demand Letter Mortgage includes specific property details, outstanding amounts, payment requirements, and consequences of non-payment, while ensuring compliance with both UAE civil law and Sharia principles where applicable.
Suggested Sections

1. Date and Reference: Clear identification of the date of issuance and unique reference number

2. Lender Details: Full legal name, license details, and address of the lending institution

3. Borrower Details: Full legal name, Emirates ID/passport number, and address of the borrower

4. Loan Summary: Details of the original loan amount, current outstanding balance, and applicable interest rate

5. Property Details: Specific details of the mortgaged property including title deed number and registration details

6. Mortgage Registration: Details of mortgage registration with relevant land department

7. Demand Statement: Clear statement of the amount demanded and payment requirements

8. Payment Instructions: Specific instructions for making the payment including bank account details

9. Legal Notice: Statement of legal consequences if payment is not made within specified timeframe

10. Authentication: Authorized signature and stamp of the lending institution

Optional Sections

1. Multiple Property Schedule: Used when the mortgage covers multiple properties

2. Guarantor Notice: Required when there are third-party guarantors who need to be notified

3. Power of Attorney Reference: Include when actions are being taken through a power of attorney

4. Previous Correspondence: Reference to previous notices or correspondence when this is not the first demand

5. Currency Conversion: Required when the loan is in a different currency from the property value

6. Insurance Details: Reference to property insurance when relevant to the security

Suggested Schedules

1. Schedule 1 - Property Description: Detailed legal description of the mortgaged property including all relevant title and registration details

2. Schedule 2 - Outstanding Amount Calculation: Detailed breakdown of the outstanding amount including principal, interest, and any charges

3. Schedule 3 - Payment History: Summary of payment history and defaults

4. Appendix A - Copy of Mortgage Registration: Certified copy of the mortgage registration with the land department

5. Appendix B - Supporting Documents: Copies of relevant supporting documents such as loan agreement excerpts or default notices

Authors

Alex Denne

Head of Growth (Open Source Law) @ Genie AI | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Linkedin in social icon imageX social icon image
alex.den.21@genieai.co
Relevant Industries

Banking & Finance

Real Estate

Legal Services

Financial Services

Property Development

Mortgage Lending

Islamic Banking

Construction & Development

Relevant Teams

Legal

Mortgage Operations

Credit Risk

Compliance

Collections & Recovery

Property Services

Islamic Banking

Documentation

Real Estate

Customer Service

Relevant Roles

Legal Counsel

Mortgage Officer

Credit Manager

Compliance Officer

Property Lawyer

Banking Operations Manager

Collections Manager

Risk Assessment Officer

Real Estate Manager

Islamic Banking Specialist

Document Control Officer

Legal Documentation Specialist

Industries
UAE Federal Law No. 5 of 1985 (Civil Code): Provides the fundamental legal framework for civil transactions including provisions on mortgage contracts, obligations, and security rights
UAE Federal Law No. 14 of 2008 (Mortgage Law): Specifically regulates mortgage transactions and registration requirements for mortgage interests in the UAE
UAE Federal Law No. 18 of 2017 (Commercial Mortgage Law): Governs commercial mortgages and related security interests in commercial transactions
Dubai Law No. 14 of 2008: Regulates mortgage regulations specific to Dubai, including registration requirements and enforcement procedures
UAE Central Bank Resolution 205/2018: Provides regulations for mortgage lending and associated banking practices
UAE Federal Law No. 8 of 2004 (Financial Free Zones Law): Relevant for mortgages in financial free zones which may have specific requirements
UAE Federal Law No. 4 of 2000 (Capital Market Law): Relevant for securities and financial aspects of mortgage transactions
Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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