1. Parties: Identification and details of the seller (owner-financier) and buyer, including full legal names, addresses, and any relevant registration numbers
2. Background: Context of the sale, brief description of the property, and explanation of the owner-financing arrangement
3. Definitions: Definitions of key terms used throughout the agreement
4. Sale and Purchase: Core agreement to sell and purchase the property, including the total purchase price
5. Property Description: Detailed description of the property being sold, including legal description and boundaries
6. Payment Terms: Detailed structure of payments including down payment, installment amounts, payment schedule, and interest rate
7. Security Arrangements: Details of any mortgage, charge, or other security interests being created
8. Title and Possession: Terms regarding transfer of title, possession, and registration of the property
9. Representations and Warranties: Statements and guarantees made by both parties regarding the property and their capacity to enter the agreement
10. Default and Remedies: Consequences of default by either party and available remedies
11. Insurance and Maintenance: Requirements for property insurance and maintenance during the financing period
12. Taxes and Expenses: Allocation of responsibility for property taxes, registration fees, and other expenses
13. Governing Law and Jurisdiction: Specification of Pakistani law as governing law and jurisdiction for disputes
14. Notices: Process and addresses for serving legal notices between parties
15. General Provisions: Standard contract clauses including amendment process, severability, and entire agreement
