The Property Loan Note is a crucial document in UAE real estate financing that serves as evidence of debt and security arrangements for property-backed lending. It is commonly used in both residential and commercial property transactions throughout the UAE, requiring compliance with federal and emirate-specific regulations. The document must adhere to UAE Central Bank regulations, property registration laws, and can be structured to accommodate both conventional and Islamic financing principles. A Property Loan Note typically includes detailed terms about the loan facility, property security, payment obligations, and enforcement mechanisms, while ensuring compliance with UAE Civil Code requirements and local property registration procedures. It's particularly important in the UAE market where property financing often involves complex ownership structures and regulatory requirements.
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1. Parties: Identification of the Lender and Borrower with full legal names and addresses
2. Background: Context of the loan, purpose, and reference to the property being financed
3. Definitions: Key terms used throughout the document including Property, Security, Facility Amount, etc.
4. Facility Amount and Purpose: Details of the loan amount, purpose, and drawdown conditions
5. Interest/Profit Rate: Specification of interest rate or profit rate (for Islamic financing), calculation method, and payment periods
6. Repayment Terms: Schedule of payments, payment methods, and prepayment provisions
7. Security: Details of the property mortgage/security and any additional security requirements
8. Representations and Warranties: Borrower's confirmations regarding their legal capacity, property ownership, and other material facts
9. Covenants: Ongoing obligations of the Borrower including property maintenance, insurance, and financial commitments
10. Events of Default: Circumstances constituting default and consequences thereof
11. Enforcement: Lender's rights and remedies upon default, including property sale provisions
1. Islamic Finance Provisions: Required if the loan is structured as an Islamic facility, including Sharia-compliant terms and structures
2. Guarantor Provisions: Required if there is a third-party guarantor for the loan
3. Property Management: Required for income-generating properties where rental income is part of the security
4. Insurance Requirements: Detailed section required for high-value properties or commercial properties
5. Construction Provisions: Required if the property is under construction or major renovation
6. Multiple Currency Provisions: Required if the loan facility involves multiple currencies
7. Co-borrower Provisions: Required if there are multiple borrowers for the same facility
1. Property Description: Detailed legal description of the property including title details and registration information
2. Payment Schedule: Detailed amortization schedule showing payment dates, amounts, and breakdown
3. Security Documents: List and copies of all security documents including mortgage deed
4. Conditions Precedent: List of documents and conditions required before loan disbursement
5. Form of Drawdown Notice: Standard format for requesting loan disbursement
6. Insurance Requirements: Detailed specifications for required insurance coverage
7. Fees and Charges: Complete schedule of all applicable fees, charges, and commission
Relevant legal definitions
Clauses
Relevant Industries
Banking & Finance
Real Estate
Islamic Finance
Property Development
Construction
Investment & Asset Management
Property Management
Legal Services
Relevant Teams
Legal
Finance
Real Estate
Compliance
Risk Management
Credit
Islamic Banking
Property Management
Corporate Banking
Retail Banking
Relevant Roles
Legal Counsel
Finance Manager
Property Finance Manager
Real Estate Manager
Compliance Officer
Risk Manager
Credit Manager
Islamic Finance Specialist
Property Lawyer
Banking Relationship Manager
Mortgage Specialist
Real Estate Investment Manager
Chief Legal Officer
Chief Financial Officer
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