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Home Loan Agreement

Home Loan Agreement Template for Malaysia

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Key Requirements PROMPT example:

Home Loan Agreement

"I need a Home Loan Agreement under Malaysian law for a RM750,000 residential property purchase in Kuala Lumpur, with the loan to be disbursed by March 2025, including provisions for joint borrowers and a floating interest rate structure."

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Document background
The Home Loan Agreement is a fundamental document in Malaysian property financing, used when individuals or entities seek to purchase residential or commercial properties through bank financing. This document is essential for compliance with Malaysian banking and property laws, including the Financial Services Act 2013 and National Land Code 1965. It outlines crucial elements such as loan amount, interest calculations, repayment schedules, and security arrangements. The agreement also incorporates consumer protection measures, property insurance requirements, and default remedies. Used by financial institutions throughout Malaysia, it serves as both a regulatory compliance tool and a comprehensive contract protecting the interests of all parties involved in the property financing transaction.
Suggested Sections

1. Parties: Identifies the lender (financial institution) and borrower(s), including their full legal names, registration/identification numbers, and addresses

2. Background: Outlines the context of the loan application, property details, and the agreement to provide financing

3. Definitions: Defines key terms used throughout the agreement, including technical banking terms and property-related terminology

4. Facility Amount and Purpose: Specifies the approved loan amount, purpose of the loan, and any conditions precedent

5. Interest Rate: Details the applicable interest rate(s), including base rate, spread, and calculation method

6. Repayment Terms: Specifies the loan tenure, monthly installment amounts, and repayment schedule

7. Security: Details the charge/lien over the property and any additional security required

8. Borrower's Representations and Warranties: States the borrower's declarations regarding their eligibility and capacity to enter into the agreement

9. Borrower's Covenants: Lists the borrower's ongoing obligations, including property maintenance and insurance requirements

10. Events of Default: Defines circumstances constituting default and the lender's rights in such events

11. Fees and Charges: Lists all applicable fees, including processing fees, late payment charges, and legal fees

12. General Terms: Contains standard clauses on notices, amendments, assignment, and governing law

Optional Sections

1. Guarantor Provisions: Required when there is a guarantor for the loan, detailing their obligations and liabilities

2. Construction Stage Financing: Needed for properties under construction, including progressive payment terms

3. Islamic Banking Provisions: Required for Islamic home financing products to ensure Shariah compliance

4. Joint Borrowers: Additional provisions when there are multiple borrowers

5. Special Conditions: For any non-standard terms specific to the particular loan

6. Government Scheme Provisions: Required when the loan is part of a government housing scheme

7. Flexi Facility Terms: For loans with flexible repayment features or overdraft facilities

8. Additional Security Documents: When additional collateral besides the property is provided

Suggested Schedules

1. Schedule 1 - Property Details: Detailed description of the property including title details, location, and specifications

2. Schedule 2 - Facility Details: Comprehensive breakdown of the loan amount, interest rates, and payment terms

3. Schedule 3 - Conditions Precedent: List of documents and conditions required before loan disbursement

4. Schedule 4 - Fee Schedule: Detailed breakdown of all fees and charges applicable to the loan

5. Schedule 5 - Repayment Schedule: Monthly installment schedule showing principal and interest breakdown

6. Schedule 6 - Insurance Requirements: Details of required insurance coverage for the property

7. Appendix A - Standard Terms and Conditions: Bank's standard terms and conditions for home loans

8. Appendix B - Disbursement Schedule: For properties under construction, showing progressive payment stages

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











































Clauses



























Relevant Industries

Banking and Financial Services

Real Estate

Property Development

Insurance

Legal Services

Construction

Mortgage Services

Relevant Teams

Legal

Mortgage Operations

Credit Risk

Compliance

Property Valuation

Customer Relations

Documentation

Underwriting

Operations

Front Office

Relevant Roles

Legal Counsel

Mortgage Officer

Credit Risk Manager

Compliance Officer

Property Valuer

Banking Operations Manager

Loan Documentation Specialist

Relationship Manager

Insurance Underwriter

Credit Analyst

Property Lawyer

Banking Executive

Customer Service Representative

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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