The Offer Letter Mortgage is a crucial document in Singapore's property financing landscape, serving as the initial formal commitment from a lender to provide mortgage financing. Used when a borrower has successfully passed the preliminary loan assessment, this document outlines all essential terms of the proposed mortgage, including loan amount, interest rates, tenure, and conditions precedent. It must comply with Singapore's robust regulatory framework, including MAS Notices 632 and 645, and typically precedes the formal mortgage agreement. The document is particularly important as it allows borrowers to understand their obligations and serves as a basis for the subsequent formal mortgage documentation.
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Key Requirements PROMPT example:
Offer Letter Mortgage
"Need a standard Offer Letter Mortgage for a Singapore residential property with a loan amount of SGD 800,000, including specific clauses for variable interest rates and early repayment options, to be issued by March 2025."
1. Loan Offer Details: Loan amount, interest rate, tenure, and key financial terms of the mortgage
2. Borrower Information: Full name, NRIC/Passport number, address, and contact details of the borrower(s)
3. Property Details: Full details of the mortgaged property including address, lot number, and title information
4. Financial Terms: Detailed breakdown of interest rates, payment schedule, and installment amounts
5. Conditions Precedent: List of conditions that must be fulfilled before loan disbursement
6. Regulatory Disclosures: Mandatory disclosures required under Banking Act and MAS regulations
7. Default and Enforcement: Consequences of default and bank's enforcement rights
1. HDB-Specific Terms: Additional terms and conditions specific to HDB properties, included only for HDB mortgages
2. Insurance Requirements: Details of required insurance coverage, included when mortgage insurance is mandatory
3. Foreign Currency Provisions: Special provisions for foreign currency denominated loans, included for overseas property purchases
4. Construction Loan Terms: Special terms for properties under construction, included for building under construction
1. Schedule A - Loan Repayment Schedule: Detailed monthly repayment schedule showing principal and interest breakdown
2. Schedule B - Fee Schedule: Comprehensive list of all applicable fees and charges
3. Schedule C - Property Valuation Report: Independent valuation report of the mortgaged property
4. Schedule D - Required Documents Checklist: List of documents required for loan processing and disbursement
5. Schedule E - TDSR Calculation: Breakdown of Total Debt Servicing Ratio calculation
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