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1. Sharia Compliance: Required for Islamic home finance products, including relevant Sharia principles and structures

2. Life Insurance: Optional insurance requirements and provisions if life insurance is tied to the loan

3. Property Maintenance: Specific requirements for property maintenance if required by the bank

4. Co-borrower Provisions: Required when there are multiple borrowers or guarantors

5. Foreign Currency Provisions: Required when loan or payments involve foreign currency considerations

6. Construction Provisions: Required for properties under construction or requiring major renovations

1. Schedule 1 - Property Details: Detailed description of the mortgaged property including title details

2. Schedule 2 - Payment Schedule: Detailed amortization schedule showing payment dates and amounts

3. Schedule 3 - Fees and Charges: Comprehensive list of all applicable fees and charges

4. Schedule 4 - Insurance Requirements: Detailed insurance requirements and minimum coverage

5. Schedule 5 - Default Interest Rates: Schedule of interest rates applicable in default scenarios

6. Appendix A - Required Documents: List of documents required for loan processing and property registration

7. Appendix B - Contact Details: Contact information for relevant parties and departments

8. Appendix C - Property Valuation Report: Summary of the property valuation and key findings