Kalpana Sadanandan

Kalpana was admitted to the English Bar in 1998 and the Singapore Bar in 1999, and has been in practice for 27 years, specialising in Real Estate and Banking & Finance.

Her experience in Banking & Finance matters includes:

• Drafting and negotiating banking and loan documentation for both bilateral and syndicated loans.
• Acting for financial institutions and borrowers.
• Reviewing and drafting facility agreements, loan agreements and a range of security documents, including mortgages, debentures, charges, share pledge agreements and guarantees.
• Issuing legal opinions to local and foreign banks and foreign law firms on various areas of Singapore law, including income tax, the Monetary Authority of Singapore’s anti-money laundering requirements, remittance requirements, and the enforceability of security documents in relation to trade finance.

Kalpana also has extensive experience in a wide range of real estate matters, including:

• Acting for purchasers and vendors in the purchase and sale of properties, as well as refinancing, redemption, decoupling and transfers of interests in property by way of gift.
• Advising on transactions involving private residential, commercial and industrial properties, HDB properties, HDB shophouses and commercial properties, conservation properties and Jurong Town Corporation properties.
• Acting for mortgagors and mortgagees in the creation of mortgages and charges over property as security for loans to companies and individuals.
• Handling transfers of property pursuant to court orders in matrimonial and probate matters.
• Drafting residential and commercial leases, as well as drafting and reviewing security documents for financial institutions, including mortgages, debentures, guarantees and deeds of assignment.

She has also acted for all registered proprietors in the collective sale of a 36-unit development. She worked closely with the managing agent and registered proprietors throughout the process, from the preparation of tender documents through to completion of the sale.