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Release Of Liability Mortgage

Release Of Liability Mortgage Template for United Arab Emirates

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Key Requirements PROMPT example:

Release Of Liability Mortgage

"I need a Release of Liability Mortgage document for a commercial property in Dubai, where ABC Bank LLC is releasing their mortgage interest following full loan repayment by XYZ Trading Company, with the release to be effective from March 15, 2025."

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Document background
The Release Of Liability Mortgage is a crucial document in UAE real estate transactions, used when a borrower has fully satisfied their mortgage obligations and seeks to clear the property's title from any encumbrances. This document is essential in the UAE's property market, where strict regulatory oversight requires formal documentation of mortgage discharge. It must comply with UAE federal laws, including Federal Law No. 5 of 1985 (Civil Code) and relevant emirate-specific property laws. The document includes detailed property information, confirmation of loan satisfaction, and explicit release statements. It requires registration with the relevant land department and may need additional documentation for Sharia-compliant mortgages. The Release Of Liability Mortgage serves as official evidence that the property is free from the specified mortgage encumbrance and can be used for future property transactions or refinancing.
Suggested Sections

1. Parties: Identification of the Mortgagee (Lender), Mortgagor (Borrower), and any guarantors or other relevant parties

2. Background: Details of the original mortgage agreement, property description, and reason for release

3. Definitions: Key terms used in the document including Property, Mortgage, Release Date, and other relevant terms

4. Acknowledgment of Mortgage Satisfaction: Confirmation that all obligations under the mortgage have been fulfilled

5. Release Declaration: Formal statement releasing the mortgage and relinquishing all claims

6. Property Description: Detailed legal description of the mortgaged property as per UAE land department records

7. Release Terms: Specific terms and conditions of the release including effective date

8. Representations and Warranties: Statements by both parties regarding their authority and the validity of the release

9. Governing Law and Jurisdiction: Specification of UAE law as governing law and relevant emirate's courts' jurisdiction

10. Execution: Signature blocks and attestation requirements as per UAE law

Optional Sections

1. Partial Release Provisions: Required when only a portion of the mortgaged property is being released

2. Islamic Finance Compliance: Required when the original mortgage was Sharia-compliant

3. Third Party Consents: Required when other parties' consent is necessary for the release

4. Outstanding Charges: Required when addressing any remaining fees or charges

5. Further Assurance: Optional clause regarding future actions to perfect the release

6. Surviving Provisions: Required when certain obligations survive the release

Suggested Schedules

1. Property Details Schedule: Detailed property information including title deed number, plot details, and registration information

2. Original Mortgage Details: Summary of the original mortgage agreement including registration details

3. Payment Confirmation: Evidence of full payment and satisfaction of mortgage obligations

4. Required Regulatory Forms: Standard forms required by UAE land department for mortgage release

5. Power of Attorney: If applicable, authorization documents for representatives executing the release

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 & Financial Services

Real Estate

Legal Services

Islamic Banking

Property Development

Mortgage Services

Construction

Property Investment

Relevant Teams

Legal

Real Estate

Mortgage Operations

Compliance

Risk Management

Property Registration

Islamic Banking

Document Processing

Client Relations

Property Services

Relevant Roles

Mortgage Officer

Property Lawyer

Real Estate Manager

Banking Relationship Manager

Compliance Officer

Legal Counsel

Property Registration Officer

Islamic Banking Specialist

Real Estate Transaction Manager

Risk Manager

Title Officer

Property Documentation Specialist

Industries
UAE Federal Law No. 5 of 1985 (Civil Code): Primary legislation governing civil transactions, including provisions for mortgages, security interests, and property rights
UAE Federal Law No. 14 of 2008: Mortgage Law governing registration of mortgage rights and regulation of mortgage activities in the UAE
Dubai Law No. 7 of 2006: Land Registration Law in Dubai, dealing with property registration and mortgage registration requirements
Abu Dhabi Law No. 3 of 2015: Real Estate Regulatory Law for Abu Dhabi, governing property registration and mortgage regulations in Abu Dhabi
UAE Central Bank Notice No. 3156/2012: Regulations regarding mortgage lending and maximum loan-to-value ratios for mortgage loans
UAE Federal Law No. 6 of 1985: Islamic Banking Law incorporating Sharia principles into banking transactions including mortgages
UAE Federal Law No. 4 of 2000: Capital Markets Law relevant to mortgage-backed 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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