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Demand Letter Mortgage

Demand Letter Mortgage Template for Malaysia

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Key Requirements PROMPT example:

Demand Letter Mortgage

"I need a Demand Letter Mortgage for a residential property in Kuala Lumpur where the borrower has missed three consecutive monthly payments, with the latest default occurring in January 2025; the letter should include options for loan restructuring."

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Document background
The Demand Letter Mortgage is a critical document in Malaysian banking practice, used when a borrower defaults on their mortgage obligations. It represents a formal step in the enforcement process, typically issued after informal reminder notices have failed to secure payment. The document must comply with Malaysian banking regulations, particularly the National Land Code 1965 and Financial Services Act 2013. It includes specific details about the mortgage facility, outstanding amounts, payment requirements, and consequences of continued default. This formal demand is often a prerequisite before a financial institution can initiate foreclosure proceedings or exercise other legal remedies available under Malaysian law.
Suggested Sections

1. Sender Details: Full details of the financial institution/mortgagee including name, address, and reference numbers

2. Recipient Details: Full name and address of the mortgagor(s) as per the mortgage agreement

3. Reference Information: Loan account number, mortgage agreement details, and property details

4. Subject Line: Clear indication that this is a demand letter regarding mortgage default

5. Loan Details: Original loan amount, interest rate, and term of the mortgage

6. Default Statement: Clear statement of the default and period of arrears

7. Demand Amount: Specific amount demanded, including principal, interest, and any penalties

8. Payment Timeline: Clear deadline for payment (typically 14 or 30 days as per mortgage agreement)

9. Legal Consequences: Statement of legal actions that will be taken if payment is not made

10. Payment Instructions: Clear instructions on how and where to make the payment

Optional Sections

1. Previous Communications Reference: Include when there have been prior reminder letters or communications regarding the default

2. Restructuring Options: Include when the bank is willing to offer loan restructuring or payment arrangements

3. Cross Default Notice: Include when there are other facilities in default with the same institution

4. Notice of Acceleration: Include when the entire loan amount is being accelerated due to the default

5. AKPK Reference: Reference to Credit Counselling and Debt Management Agency (AKPK) if required by bank policies

Suggested Schedules

1. Schedule A - Payment Breakdown: Detailed breakdown of the amount in arrears, including principal, interest, penalties, and other charges

2. Schedule B - Property Details: Complete legal description of the mortgaged property including title details

3. Schedule C - Payment History: Statement showing payment history and how the default amount has been calculated

4. Schedule D - Mortgage Agreement Extract: Relevant extracts from the mortgage agreement regarding default and enforcement provisions

Authors

Alex Denne

Head of Growth (Open Source Law) @ tiktok³ÉÈË°æ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

alex.den.21@genieai.co
Relevant legal definitions




















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Relevant Industries

Banking & Financial Services

Real Estate

Legal Services

Property Development

Mortgage Services

Financial Technology

Credit Services

Relevant Teams

Legal

Credit Risk

Collections & Recovery

Mortgage Operations

Compliance

Customer Relations

Documentation

Property Services

Credit Administration

Relevant Roles

Credit Risk Manager

Mortgage Officer

Legal Counsel

Collections Manager

Relationship Manager

Compliance Officer

Credit Recovery Officer

Banking Operations Manager

Property Valuation Officer

Documentation Specialist

Legal Documentation Officer

Risk Assessment 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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