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Certificate Of Mortgage

Certificate Of Mortgage Template for United Arab Emirates

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Key Requirements PROMPT example:

Certificate Of Mortgage

"I need a Certificate of Mortgage for a commercial property in Dubai Silicon Oasis, with multiple corporate mortgagors and Islamic financing compliance, to be completed by March 2025."

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Document background
A Certificate of Mortgage is a crucial document in UAE property transactions, required whenever a property is used as security for a loan or financing arrangement. This certificate must comply with UAE Federal Law No. 5 of 1985 (Civil Code) and relevant emirate-specific regulations, particularly in Dubai and Abu Dhabi. The document contains essential information including property details, mortgage amount, payment terms, and parties' rights and obligations. It must be registered with the appropriate Land Department or Property Registration Authority to create a valid security interest. The Certificate of Mortgage is particularly important in the UAE's dynamic real estate market, where property financing plays a significant role in both residential and commercial transactions. The document serves as official evidence of the mortgage arrangement and provides protection for both the mortgagor and mortgagee under UAE law.
Suggested Sections

1. Certificate Details: Document reference number, date, and issuing authority details

2. Parties: Full identification of the Mortgagor(s) and Mortgagee(s), including their legal status, registration details for companies, or Emirates ID for individuals

3. Property Details: Comprehensive description of the mortgaged property including title deed number, plot number, property ID, location, and area

4. Mortgage Amount: Details of the principal amount secured by the mortgage, including maximum secured amount if applicable

5. Term of Mortgage: Duration of the mortgage, commencement date, and maturity date

6. Interest Rate: Applicable interest rate, calculation method, and payment terms

7. Payment Terms: Schedule of payments, payment methods, and consequences of default

8. Rights and Obligations: Detailed rights and obligations of both mortgagor and mortgagee

9. Insurance Requirements: Mandatory insurance coverage requirements for the mortgaged property

10. Default Provisions: Circumstances constituting default and consequent rights of the mortgagee

11. Governing Law: Confirmation of UAE law application and relevant emirate jurisdiction

Optional Sections

1. Multiple Owners: Required when the mortgaged property has multiple owners, defining their respective shares and obligations

2. Corporate Authorizations: Required when either party is a corporate entity, including board resolutions and power of attorney

3. Property Usage Restrictions: Included when there are specific restrictions on property usage during the mortgage term

4. Cross-Collateralization: Required when the mortgage is linked to other securities or properties

5. Third-Party Rights: Needed when there are existing tenants or other third-party rights affecting the property

6. Islamic Finance Compliance: Required for Sharia-compliant mortgages, including relevant structure and principles

Suggested Schedules

1. Property Description Schedule: Detailed technical description of the property including floor plans, boundaries, and specifications

2. Payment Schedule: Detailed breakdown of payment installments, dates, and amounts

3. Title Deed Copy: Certified copy of the property title deed

4. Property Valuation Report: Independent valuation report of the mortgaged property

5. Insurance Certificates: Copies of required insurance policies

6. Corporate Documents: Relevant corporate documents, board resolutions, and authorizations if applicable

7. Identity Documents: Copies of Emirates ID, passports, and other identification documents of parties

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 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 & Finance

Real Estate

Legal Services

Insurance

Property Development

Islamic Finance

Construction

Property Management

Financial Services

Public Sector

Relevant Teams

Legal

Real Estate

Mortgage Operations

Compliance

Risk Management

Credit Administration

Property Services

Banking Operations

Islamic Banking

Property Registration

Corporate Finance

Documentation

Relevant Roles

Legal Counsel

Mortgage Officer

Property Manager

Real Estate Manager

Compliance Officer

Risk Manager

Credit Manager

Property Valuation Specialist

Banking Operations Manager

Real Estate Registration Officer

Islamic Finance Specialist

Property Development Manager

Loan Officer

Corporate Lawyer

Real Estate Partner

Industries







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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