This Equity Release Agreement is designed for use in Malaysia when property owners wish to access the equity in their property without selling or moving out. The document is particularly relevant for older homeowners seeking to supplement their retirement income or meet specific financial needs. It includes detailed provisions covering the financial arrangement, property rights, consumer protections, and compliance with Malaysian financial services regulations and property laws. The agreement comprehensively addresses key aspects such as property valuation, interest calculations, maintenance requirements, and termination conditions, while ensuring compliance with the Financial Services Act 2013 and related Malaysian legislation. Special attention is given to consumer protection measures and risk disclosures, reflecting the complex nature of equity release products and their long-term implications.
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
Your data doesn't train Genie's AI
You keep IP ownership of your docs
1. Parties: Identification of the equity release provider and the property owner(s)
2. Background: Context of the agreement, including brief description of the equity release scheme and its purpose
3. Definitions: Definitions of key terms used throughout the agreement
4. The Property: Detailed description of the property subject to the equity release arrangement
5. Amount of Equity Release: Specification of the amount being released and payment terms
6. Term and Duration: Period of the agreement and conditions for termination
7. Interest and Charges: Details of interest rates, fees, and other charges applicable
8. Security and Property Rights: Terms regarding the security over the property and retained rights of the owner
9. Owner's Obligations: Responsibilities of the property owner including maintenance and insurance requirements
10. Provider's Obligations: Responsibilities and commitments of the equity release provider
11. Risk Disclosure: Detailed disclosure of risks associated with the equity release arrangement
12. Early Repayment: Terms and conditions for early repayment of the equity release
13. Events of Default: Circumstances constituting default and consequences
14. Governing Law and Jurisdiction: Specification of Malaysian law as governing law and jurisdiction details
1. Joint Owners Provisions: Additional terms for cases where the property has multiple owners
2. Occupier's Rights: Terms regarding rights of other occupants of the property, used when there are other residents besides the owner
3. Power of Attorney: Provisions for cases where a power of attorney is involved in managing the agreement
4. Inheritance Protection: Optional provisions for protecting potential inheritance, if requested by the owner
5. Moving Home Provisions: Terms for transferring the agreement to a new property, if this feature is offered
6. Care Home Provisions: Special terms for cases where the owner may need to move to a care facility
7. Additional Borrowing: Terms for potential future borrowing against the property, if this feature is offered
1. Schedule 1 - Property Details: Detailed description of the property including title particulars and encumbrances
2. Schedule 2 - Financial Terms: Detailed breakdown of financial terms including interest calculations and payment schedules
3. Schedule 3 - Property Maintenance Requirements: Specific requirements for maintaining the property during the agreement term
4. Schedule 4 - Insurance Requirements: Details of required insurance coverage for the property
5. Schedule 5 - Early Repayment Calculations: Formula and examples for calculating early repayment charges
6. Appendix A - Risk Disclosure Statement: Detailed statement of risks in prescribed format
7. Appendix B - Independent Legal Advice Certificate: Certificate confirming the owner has received independent legal advice
8. Appendix C - Property Valuation Report: Summary of the professional valuation of the property
Find the exact document you need
Equity Incentive Plan Agreement
A Malaysian law-governed agreement establishing an equity-based compensation program for employee incentivization and retention.
Download
Equity Purchase Contract
A Malaysian law-governed agreement for the sale and purchase of company shares, detailing transaction terms and parties' obligations.
Download
Business Equity Agreement
A Malaysian law-governed agreement establishing terms for business equity ownership, investment terms, and shareholder rights.
Download
Private Equity Management Agreement
A Malaysian law-governed agreement establishing the terms and conditions for private equity fund management services, including management responsibilities, fees, and regulatory compliance requirements.
Download
Equity Compensation Agreement
Malaysian-law governed agreement establishing terms for equity-based compensation, including grant terms, vesting conditions, and regulatory compliance requirements.
Download
Sweat Equity Partnership Agreement
Malaysian-law governed agreement for exchanging services for company equity, detailing terms, vesting schedules, and mutual protections.
Download
Sweat Equity Contract
A Malaysian law-compliant agreement for compensating service providers with company equity in exchange for their services, expertise, or labor.
Download
Simple Agreement For Equity
A Malaysian law-governed investment agreement providing rights to future equity in exchange for immediate capital, commonly used in startup funding.
Download
Equity Transfer Contract
A Malaysian law-governed agreement for the transfer of company shares between parties, detailing terms, conditions, and completion requirements.
Download
Equity Funding Agreement
A Malaysian law-governed agreement establishing terms for equity investment in exchange for company shares, detailing investment terms and party rights.
Download
Co Founder Equity Agreement
A Malaysian law-governed agreement establishing equity arrangements and relationships between company co-founders, including ownership distribution and key rights.
Download
Continuous Agreement For Future Equity
A Malaysian law-governed investment agreement providing rights to future equity in exchange for immediate capital, typically used in startup funding.
Download
Advisor Equity Agreement
Malaysian-law governed agreement establishing advisor engagement terms and equity compensation arrangements, including roles, responsibilities, and vesting conditions.
Download
Startup Equity Contract
A Malaysian law-governed agreement establishing terms for startup equity distribution, including share rights and shareholder obligations.
Download
Equity Share Contract
A Malaysian law-governed agreement for the transfer of company shares, establishing terms, conditions, and shareholder rights under Malaysian corporate regulations.
Download
Convertible Agreement Regarding Equity
A Malaysian law-governed investment agreement that allows conversion of invested funds into company equity shares under specified terms and conditions.
Download
Equity Release Agreement
A Malaysian law-governed agreement enabling property owners to access their property's equity while maintaining residency rights, with comprehensive financial and legal protections.
Download
Private Equity Shareholders Agreement
A Malaysian law-governed agreement establishing rights and obligations between private equity investors and existing shareholders, including governance and exit provisions.
Download
Equity Repurchase Agreement
A Malaysian law-governed agreement for a company to repurchase its own shares from existing shareholders, complying with local corporate and securities regulations.
Download
Private Equity Investment Agreement
A Malaysian law-governed agreement establishing terms and conditions for private equity investment, including investment structure, shareholder rights, and exit provisions.
Download
Equity Loan Agreement
A Malaysian law-governed agreement combining debt financing with equity participation elements, establishing terms for both loan facility and equity components.
Download
Restricted Stock Unit Award Agreement
Malaysian-law governed agreement for granting Restricted Stock Units (RSUs) to employees, detailing vesting conditions and settlement terms.
Download
Equity Pledge Agreement
A Malaysian law-governed agreement creating security over shares or equity interests as collateral for financial obligations.
Download
Standby Equity Purchase Agreement
A Malaysian law agreement establishing an investor's commitment to purchase newly issued shares from a company on a standby basis under specified conditions.
Download
Restricted Stock Unit Agreement
A Malaysian-law governed agreement outlining terms and conditions for awarding restricted stock units to employees, including vesting schedules and regulatory compliance requirements.
Download
Restricted Stock Award Agreement
A Malaysian law-governed agreement detailing the terms and conditions for granting restricted company shares to employees or directors, subject to vesting conditions and transfer restrictions.
Download
Convertible Equity Agreement
A Malaysian legal agreement enabling investment conversion into company equity shares, subject to specified terms and conditions under Malaysian law.
Download
Employee Equity Agreement
A Malaysian law-governed agreement establishing terms for employee equity participation, including share/option grants, vesting conditions, and associated rights and obligations.
Download
Standby Equity Distribution Agreement
A Malaysian law-governed agreement enabling flexible equity financing through committed share subscriptions based on predetermined terms and regulatory requirements.
Download
Equity Participation Agreement
A Malaysian law-governed agreement detailing terms and conditions for equity investment in a company, including shareholding rights and investor protections.
Download
Equity Grant Agreement
A Malaysian law-governed agreement establishing terms for granting company equity to individuals, including vesting conditions and ownership rights.
Download
Equity Financing Agreement
A Malaysian law-governed agreement setting out terms for equity investment in a company, including share allocation, investor rights, and protective provisions.
Download
Vested Equity Agreement
A Malaysian law-governed agreement outlining terms for gradual equity vesting to employees or contractors, including vesting schedule, conditions, and rights.
Download
Private Equity Subscription Agreement
A Malaysian law-governed agreement detailing terms and conditions for private equity investment through share subscription, including investor rights and regulatory compliance requirements.
Download
Equity Distribution Agreement
A Malaysian law-governed agreement establishing terms for equity securities distribution, including distributor appointments, rights, and regulatory compliance requirements.
Download
Equity Contribution Agreement
A Malaysian law-governed agreement documenting terms and conditions for equity investment in exchange for company shares.
Download
Equity Buyback Agreement
A Malaysian law-governed agreement for a company to repurchase its own shares from existing shareholders, ensuring regulatory compliance and detailing transaction terms.
Download
Limited Partnership Agreement Private Equity
A Malaysian law-governed agreement establishing a limited partnership structure for private equity investments, defining relationships between General Partner and Limited Partners.
Download
Equity Ownership Agreement
A Malaysian law-governed agreement that establishes and regulates share ownership rights and relationships between shareholders in a company.
Download
Equity Investment Agreement
A Malaysian law-governed agreement defining terms and conditions for equity investment in a company, including share allocation, investor rights, and governance provisions.
Download
Genie’s Security Promise
Genie is the safest place to draft. Here’s how we prioritise your privacy and security.
Your documents are private:
We do not train on your data; Genie’s AI improves independently
All data stored on Genie is private to your organisation
Your documents are protected:
Your documents are protected by ultra-secure 256-bit encryption
We are ISO27001 certified, so your data is secure
Organizational security:
You retain IP ownership of your documents and their information
You have full control over your data and who gets to see it