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The Mortgage Deed is a crucial document in UAE real estate financing, used to create a legally enforceable security interest over real property. This document is essential when a property purchase is financed through a bank or financial institution, or when an existing property is used as security for a loan. The deed must comply with various UAE federal laws, including Federal Law No. 5 of 1985 (Civil Code) and Federal Law No. 14 of 2008 (Mortgage Law), as well as specific emirate-level regulations. The Mortgage Deed typically includes detailed property descriptions, parties' obligations, enforcement mechanisms, and often requires consideration of Sharia principles. It must be properly executed, notarized, and registered with the relevant Land Department to be legally effective.

1. Parties: Details of the Mortgagor (property owner) and Mortgagee (lending institution), including full legal names, addresses, and registration numbers for corporate entities

2. Background: Context of the mortgage arrangement, reference to the underlying facility or loan agreement, and brief description of the mortgaged property

3. Definitions: Definitions of key terms used throughout the deed, including 'Secured Obligations', 'Property', 'Facility Agreement', and 'Security Period'

4. Creation of Mortgage: Express declaration creating the mortgage, specification of the security interest, and confirmation of registration requirements

5. Secured Obligations: Detailed description of the obligations secured by the mortgage, including principal, interest, and other secured amounts

6. Property Details: Comprehensive description of the mortgaged property, including title details, registration information, and location

7. Mortgagor's Representations: Warranties regarding ownership, authority to mortgage, and absence of other encumbrances

8. Mortgagor's Covenants: Ongoing obligations regarding property maintenance, insurance, payment of taxes, and restrictions on disposal

9. Events of Default: Circumstances constituting default and triggering enforcement rights

10. Enforcement Rights: Mortgagee's rights and remedies upon default, including power of sale

11. Registration and Notices: Requirements for registration of the mortgage and service of notices

12. Governing Law and Jurisdiction: Confirmation of UAE law application and jurisdiction of UAE courts