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1. Islamic Banking Compliance: Required when the mortgage is structured as an Islamic banking product, including relevant Shariah compliance declarations

2. Co-borrower Provisions: Include when there are multiple borrowers, defining joint and several liability

3. Guarantor Provisions: Required when a third party is providing a guarantee for the loan

4. Property Development Conditions: Include for mortgages involving under-construction properties or development projects

5. Prepayment Terms: Optional section detailing early repayment options and associated penalties or benefits

6. Assignment and Transfer: Include if the lender wishes to reserve the right to assign or transfer the loan

7. Force Majeure: Optional provisions for unforeseen circumstances affecting loan performance

1. Property Description Schedule: Detailed legal description of the mortgaged property, including boundaries and registration details

2. Payment Schedule: Detailed amortization table showing payment dates, principal and interest breakdowns

3. Insurance Requirements: Specific insurance requirements including types of coverage and minimum amounts

4. Fee Schedule: Breakdown of all applicable fees, charges, and processing costs

5. Document Checklist: List of required documents to be submitted by the borrower

6. Property Valuation Report: Summary of the official property valuation

7. Regulatory Compliance Checklist: List of regulatory requirements and compliance confirmations