The House Loan Agreement is a fundamental legal document used in Danish property financing transactions to establish and govern the lending relationship between financial institutions and property buyers. This document is essential when individuals or entities seek to purchase residential property in Denmark using borrowed funds. The agreement must comply with Danish financial regulations, including the Danish Financial Business Act, Mortgage Credit Act, and consumer protection laws. It contains detailed provisions about loan terms, security arrangements, borrower obligations, and lender rights. The document is typically used in conjunction with property registration documents and requires consideration of Danish property law requirements. The House Loan Agreement serves as the primary contract governing the entire duration of the loan, from disbursement to final repayment, and includes specific provisions for various scenarios such as default, early repayment, and property maintenance obligations.
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Key Requirements PROMPT example:
House Loan Agreement
I need a House Loan Agreement under Danish law for a 2.5 million DKK loan for a residential property in Copenhagen, with a fixed interest rate for the first 5 years and a variable rate thereafter, including provisions for potential rental of the property during summer months.
1. Parties: Identification of the lender (financial institution) and borrower(s), including full legal names, addresses, and registration numbers
2. Background: Context of the loan agreement, including purpose of the loan and brief description of the property being financed
3. Definitions: Definitions of key terms used throughout the agreement, including financial terms, property-related terms, and legal concepts
4. Loan Details: Principal amount, interest rate (including whether fixed or variable), term of the loan, and payment schedule
5. Security: Details of the mortgage security over the property, including property description and registration requirements
6. Repayment Terms: Payment amounts, frequency, method of payment, and early repayment provisions
7. Interest Calculation: Method of interest calculation, interest periods, and adjustment mechanisms for variable rates
8. Borrower's Representations: Borrower's confirmations regarding their financial situation, property ownership, and accuracy of provided information
9. Borrower's Obligations: Ongoing obligations including property maintenance, insurance, tax payments, and information provision
10. Events of Default: Circumstances constituting default and consequences, including acceleration of the loan
11. Lender's Rights: Rights of the lender in various circumstances, including default scenarios and property inspection rights
12. Costs and Fees: All applicable fees, charges, and costs, including establishment fees and ongoing administrative costs
13. Notices: How and where notices must be given between parties
14. Governing Law: Confirmation of Danish law as governing law and jurisdiction provisions
15. Signatures: Execution blocks for all parties and witnesses if required
1. Guarantor Provisions: Required when there is a guarantor for the loan, detailing guarantor's obligations and rights
2. Co-borrower Provisions: Required when there are multiple borrowers, detailing joint and several liability
3. Construction Provisions: Required for properties under construction, including drawdown conditions and construction requirements
4. Foreign Currency Provisions: Required when the borrower's income is in a different currency from the loan, addressing exchange rate risks
5. Interest-Only Period: Required when the loan includes an initial interest-only period, detailing conditions and duration
6. Property Rental Provisions: Required when the property may be rented out, including conditions and requirements
7. Business Purpose Declaration: Required when the property has mixed residential/business use, affecting consumer protection provisions
1. Property Description Schedule: Detailed description of the property including address, land registry details, and cadastral number
2. Payment Schedule: Detailed amortization table showing payment dates, amounts, and breakdown of principal and interest
3. Interest Rate Terms: Detailed terms for interest rate calculations, especially for variable rate loans
4. Fee Schedule: Comprehensive list of all applicable fees and charges
5. Insurance Requirements: Detailed requirements for property insurance and any required life or payment protection insurance
6. Property Valuation Report: Professional valuation of the property used for loan approval
7. Standard Terms and Conditions: General terms and conditions of the lender that apply to all house loans
8. ESIS Documentation: European Standardised Information Sheet as required under EU regulations
9. Direct Debit Authorization: Authorization for automatic payment collection from borrower's account
Authors
Relevant legal definitions
Clauses
Relevant Industries
Banking & Financial Services
Real Estate
Legal Services
Insurance
Property Management
Mortgage Broking
Construction & Development
Financial Advisory Services
Property Valuation Services
Relevant Teams
Legal
Mortgage Operations
Credit Risk
Compliance
Property Finance
Documentation
Customer Relations
Loan Administration
Risk Management
Real Estate Finance
Transaction Processing
Quality Assurance
Relevant Roles
Legal Counsel
Mortgage Advisor
Loan Officer
Credit Manager
Risk Assessment Officer
Property Valuer
Financial Controller
Compliance Officer
Banking Relationship Manager
Real Estate Attorney
Document Controller
Property Finance Manager
Credit Risk Analyst
Legal Documentation Specialist
Mortgage Operations Manager
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