Wednesday, 27 February 2019

8 Important Clauses To Check In A Home Loan Agreement



A home loan agreement is a legal document that governs the terms and conditions of the home loan and creation of a mortgage on the residential property in favor of the bank. The home loan agreement contains the rights and liabilities of the buyer. Before putting a sign on the document, you should check the important clauses in the home loan agreement. Here is a short note on the important clauses to check on a home loan agreement.

1.    Clauses which allows amendments to the home loan agreement

2.    Clauses allowing fluctuating interest rates

3.    Clauses with respect to assignments, in favor of third parties.

4.    Clauses related to prepayment and foreclosure

5.    Clauses concerning the reset terms and force majeure terms

6.    Check for additional security cover clauses mentioned in the agreement.

7.    Verify the definition of ‘default’ in the loan agreement

8.    Notification clause mentioned in the agreement

Once you put a sign on the home loan agreement you are bound by the terms and conditions mentioned in the document. So pay attention to each part mentioned in it before putting a sign on the dotted lines.

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