The Borrowing Form is a essential document used in Philippine lending transactions to formalize loan agreements between parties. It is designed to comply with Philippine banking regulations, particularly the Truth in Lending Act and the Civil Code of the Philippines. This form is utilized when an individual or organization seeks to borrow funds, requiring documentation of the loan amount, interest rates, repayment terms, and any collateral arrangements. The document serves both as a legal record of the borrowing arrangement and as a compliance tool, ensuring all necessary disclosures and terms are properly documented as required by Philippine law. The Borrowing Form can be used for various purposes, from personal loans to business financing, and includes provisions for both secured and unsecured lending arrangements.
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1. Parties: Identification of the Lender and Borrower with complete names, addresses, and contact information
2. Background: Brief context of the loan arrangement and purpose
3. Definitions: Key terms used in the form including 'Loan Amount', 'Interest Rate', 'Payment Date', etc.
4. Loan Details: Specific amount being borrowed, purpose of the loan, and disbursement details
5. Interest Rate and Charges: Clear statement of interest rate, calculation method, and any additional charges as required by the Truth in Lending Act
6. Repayment Terms: Payment schedule, method of payment, and due dates
7. Security: Details of any collateral or security provided for the loan
8. Default Provisions: Consequences of missing payments or breaching the agreement
9. Representations and Warranties: Borrower's confirmations regarding their capacity to borrow and repay
10. Governing Law: Specification that the form is governed by Philippine law
1. Guarantor Details: To be included when a guarantor is required for the loan
2. Insurance Requirements: Include when the loan requires specific insurance coverage
3. Pre-payment Provisions: Include when early repayment is allowed, specifying any penalties or benefits
4. Assignment: Include when either party may need to transfer their rights under the agreement
5. Electronic Execution: Include when the form may be executed electronically
1. Repayment Schedule: Detailed breakdown of payment dates and amounts
2. Collateral Details: Comprehensive description of any assets provided as security
3. Disclosure Statement: Truth in Lending Act disclosures including effective interest rate and total cost of credit
4. Know Your Customer (KYC) Requirements: List of required documentation for Anti-Money Laundering compliance
Relevant legal definitions
Clauses
Relevant Industries
Banking and Financial Services
Real Estate
Manufacturing
Retail
Agriculture
Technology
Construction
Education
Healthcare
Small and Medium Enterprises
Relevant Teams
Legal
Finance
Credit and Risk
Compliance
Operations
Treasury
Customer Service
Collections
Documentation
Audit
Relevant Roles
Credit Officer
Loan Officer
Financial Manager
Risk Assessment Officer
Compliance Officer
Legal Counsel
Branch Manager
Account Manager
Credit Analyst
Treasury Manager
Chief Financial Officer
Corporate Secretary
Financial Controller
Collections Manager
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