Memorandum Of Mortgage Template for Singapore

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Key Requirements PROMPT example:

Memorandum Of Mortgage

"I need a Memorandum of Mortgage for a commercial property in Singapore, where DBS Bank is the mortgagee providing a loan of SGD 2.5 million, with the mortgage term starting from March 1, 2025, and including specific provisions for early repayment."

Document background

The Memorandum of Mortgage is a crucial document in Singapore's property financing landscape. It serves as the primary security document for property loans, creating a legal charge over the property in favor of the lender. This document must be prepared in accordance with Singapore's Land Titles Act and other relevant legislation, and requires registration with the Singapore Land Authority. The Memorandum of Mortgage typically includes detailed information about the property, parties involved, loan terms, repayment schedule, and enforcement rights in case of default.

Suggested Sections

1. Parties: Details of mortgagor and mortgagee including registration numbers, addresses and authorized representatives

2. Background: Context of the mortgage arrangement, including reference to the underlying loan agreement

3. Definitions: Key terms used in the document including Property, Secured Amounts, Security Documents

4. Property Description: Detailed description of the mortgaged property including lot number, title details and address

5. Principal Sum and Interest: Amount of loan, interest rate, calculation method and payment terms

6. Repayment Terms: Schedule and method of repayment including installment amounts and dates

7. Security Provisions: Terms of the security arrangement including mortgagor's obligations and restrictions

8. Default Provisions: Events of default and consequences including enforcement rights

9. Execution: Signing requirements, attestation and witnessing provisions

Optional Sections

1. Insurance Requirements: Specific insurance coverage requirements and obligations for the mortgaged property

2. Assignment Provisions: Terms and conditions for assigning or transferring the mortgage

3. Additional Security: Provisions relating to any additional collateral or security provided

4. HDB Compliance: Special provisions required for HDB properties when applicable

Suggested Schedules

1. Property Schedule: Detailed property information including title details, boundaries and encumbrances

2. Payment Schedule: Detailed repayment schedule with installment amounts, dates and interest calculations

3. Special Conditions: Any special terms or conditions specific to this mortgage arrangement

4. Property Plans: Property plans, drawings and surveys where required

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

alex.den.21@genieai.co

Relevant legal definitions

Clauses

Relevant Industries

Banking and Finance
Real Estate
Legal Services
Insurance

Relevant Teams

Legal
Mortgage Operations
Risk Management
Compliance
Property Finance

Relevant Roles

Legal Counsel
Mortgage Officer
Property Lawyer
Credit Risk Manager
Compliance Officer

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Authors

Alex Denne

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