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Joint Home Ownership Agreement

Joint Home Ownership Agreement Template for Singapore

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Key Requirements PROMPT example:

Joint Home Ownership Agreement

"Need a Joint Home Ownership Agreement for a Singapore HDB flat purchase with my sister, where we will own the property as tenants-in-common with a 60-40 split, and we need specific provisions for potential future rental income sharing."

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Document background
The Joint Home Ownership Agreement is essential when two or more parties invest in a residential property together in Singapore. This document becomes particularly crucial as property prices in Singapore continue to rise, making joint ownership increasingly common. The agreement provides clarity on ownership structure (whether joint tenancy or tenancy-in-common), outlines financial responsibilities, and establishes clear protocols for property-related decisions. It helps prevent future disputes by clearly documenting each party's rights and obligations, while ensuring compliance with Singapore's property laws and regulations.
Suggested Sections

1. Parties: Identification and details of all joint owners

2. Background: Context of joint purchase and property details

3. Definitions: Key terms used throughout the agreement

4. Ownership Structure: Specifies type of ownership (joint tenancy/tenancy-in-common) and ownership shares

5. Financial Obligations: Details of purchase price, mortgage, and ongoing financial responsibilities

6. Property Usage: Rules regarding occupancy and usage of the property

7. Maintenance and Repairs: Responsibilities for property upkeep

8. Termination Provisions: Circumstances and procedures for ending the agreement

Optional Sections

1. Rental Provisions: Rules for renting out the property when permitted by applicable regulations

2. Buy-out Provisions: Procedures and terms for one party buying out the other's share

3. Death/Incapacity Provisions: Procedures in case of death or incapacity of an owner, particularly relevant for tenancy-in-common arrangements

Suggested Schedules

1. Property Details Schedule: Detailed description of property including address and lot number

2. Financial Contributions Schedule: Breakdown of initial and ongoing financial contributions by each party

3. Mortgage Details: Copy of mortgage agreement or key terms

4. Property Title: Copy of property title or certificate of title

5. Maintenance Schedule: Detailed breakdown of maintenance responsibilities and cost sharing

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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Industries

Housing and Development Act: Primary legislation (Chapter 129) governing public housing in Singapore, including regulations on ownership, transfer, and management of HDB flats

Land Titles Act: Primary legislation (Chapter 157) dealing with the registration and transfer of land titles in Singapore

Residential Property Act: Primary legislation (Chapter 274) regulating residential property ownership, particularly regarding foreign ownership restrictions

Civil Law Act: Primary legislation (Chapter 43) providing the fundamental legal framework for civil matters including property ownership

HDB Ownership Rules: Specific regulations governing flat ownership, including the Housing and Development (Ownership of Flats) Rules and Design-Build-and-Sell Scheme Rules

Land Titles (Strata) Act: Legislation governing strata-titled properties and common property management

CPF Rules: Regulations regarding the use of Central Provident Fund savings for property purchase and mortgage payments

Stamp Duties Act: Legislation governing stamp duties applicable to property transactions, including Additional Buyer's Stamp Duty (ABSD) and Seller's Stamp Duty (SSD)

Executive Condominium Housing Scheme Act: Specific legislation governing Executive Condominiums, including eligibility and ownership restrictions

COVID-19 (Temporary Measures) Act: Temporary legislation affecting property transactions and obligations during the COVID-19 period

Property Ownership Types: Legal framework defining Joint Tenancy and Tenancy-in-Common ownership structures

HDB Ethnic Integration Policy: Policy maintaining ethnic proportions in HDB estates to promote racial integration

HDB Minimum Occupation Period: mandatory occupation period before HDB properties can be sold or rented out

PR Quota Policy: Restrictions on the proportion of Singapore Permanent Residents allowed to own properties in HDB blocks

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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