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Owner Finance Contract Template for Ireland

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Key Requirements PROMPT example:

Owner Finance Contract

"I need an Owner Finance Contract for the sale of a commercial property in Dublin for €750,000, with a 20% down payment and the remaining balance to be paid over 15 years at 5.5% interest, with completion scheduled for March 2025."

Document background
The Owner Finance Contract is utilized in situations where traditional bank financing is either unavailable or undesirable, allowing property sellers in Ireland to directly finance the buyer's purchase. This arrangement is particularly relevant in cases where buyers may not qualify for conventional mortgages, or where sellers seek to generate ongoing income through interest payments. The document must comply with Irish property law, financial regulations, and consumer protection requirements while providing comprehensive coverage of the sale and financing terms. It includes crucial elements such as property details, purchase price, payment schedule, interest rates, security arrangements, default provisions, and conditions for title transfer. The agreement serves as both a property sale contract and a financing agreement, requiring careful attention to both aspects to protect the interests of all parties involved.
Suggested Sections

1. Parties: Identifies and provides full details of the Seller/Financier and the Buyer/Borrower

2. Background: Sets out the context of the agreement, including the property sale and financing arrangement

3. Definitions: Defines key terms used throughout the agreement

4. Property Details: Comprehensive description of the property being sold, including legal description and any encumbrances

5. Purchase Price and Payment Terms: Specifies the total purchase price, down payment, loan amount, interest rate, and payment schedule

6. Security Arrangements: Details of the mortgage or charge over the property securing the loan

7. Covenants of the Buyer: Buyer's obligations including property maintenance, insurance, taxes, and use restrictions

8. Covenants of the Seller: Seller's obligations including title warranties and property transfer commitments

9. Default and Remedies: Consequences of default and available remedies for both parties

10. Insurance Requirements: Specific insurance obligations and requirements for the property

11. Transfer of Title: Conditions and process for the eventual transfer of title upon full payment

12. Notices: How formal communications between parties should be made

13. Governing Law: Confirms Irish law governs the agreement and jurisdiction for disputes

Optional Sections

1. Early Repayment Provisions: Include when allowing early loan repayment, specifying any penalties or conditions

2. Property Management: Include for commercial properties or when specific management requirements exist

3. Assignment and Transfer: Include when either party may need to transfer their rights under the agreement

4. Planning Permissions: Include when the property requires specific planning permissions or has development potential

5. Environmental Provisions: Include for properties with environmental concerns or requirements

6. Tenant Provisions: Include when the property is currently tenanted or may be leased

7. Tax Provisions: Include when specific tax arrangements or implications need to be addressed

Suggested Schedules

1. Schedule 1 - Property Description: Detailed legal description of the property, including maps and plans

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

3. Schedule 3 - Property Inventory: List of any fixtures, fittings, or contents included in the sale

4. Schedule 4 - Insurance Requirements: Detailed specifications of required insurance coverage

5. Schedule 5 - Property Title Documents: List of all relevant title documents and encumbrances

6. Appendix A - Form of Transfer: Template for the eventual transfer of title document

7. Appendix B - Notice Forms: Standard forms for various notices under the agreement

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈ˰æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Relevant legal definitions
























































Clauses






































Relevant Industries

Real Estate

Financial Services

Property Development

Legal Services

Construction

Residential Property

Commercial Property

Property Investment

Banking Alternative

Relevant Teams

Legal

Real Estate

Property Management

Finance

Risk Management

Compliance

Investment

Operations

Business Development

Contract Administration

Relevant Roles

Property Lawyer

Real Estate Agent

Property Developer

Financial Advisor

Property Manager

Conveyancing Solicitor

Legal Counsel

Property Investment Manager

Contract Manager

Real Estate Investment Advisor

Mortgage Specialist

Property Portfolio Manager

Industries








Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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