The Consumer Loan Agreement serves as the primary legal document governing personal loans in the Philippines, establishing the relationship between financial institutions and individual borrowers. This document is essential when extending credit to consumers for personal, family, or household purposes, and must comply with strict regulatory requirements including the Truth in Lending Act (Republic Act No. 3765) and the Consumer Act of the Philippines (Republic Act No. 7394). The agreement encompasses all aspects of the lending relationship, including loan amount, interest calculations, repayment schedules, borrower obligations, and lender's remedies. It includes mandatory disclosures required by Philippine law to ensure transparency in lending practices and protect consumer rights. Used by banks, financial institutions, and licensed lenders, the Consumer Loan Agreement provides a comprehensive framework for personal lending while ensuring regulatory compliance and consumer protection.
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1. Parties: Identifies the lender and borrower with complete legal names and addresses
2. Background: Brief context of the loan agreement and relationship between parties
3. Definitions: Defines key terms used throughout the agreement
4. Loan Amount and Purpose: Specifies the principal amount being borrowed and its intended use
5. Interest Rate and Charges: Details the interest rate, method of computation, and all applicable fees and charges as required by the Truth in Lending Act
6. Term and Repayment: Specifies loan duration and repayment schedule, including payment amounts, dates, and methods
7. Security and Collateral: Details any assets pledged as security for the loan
8. Representations and Warranties: Statements of fact and assurances made by the borrower
9. Borrower's Obligations: Lists all ongoing obligations and responsibilities of the borrower
10. Events of Default: Defines circumstances constituting default and consequences
11. Lender's Rights and Remedies: Outlines the lender's rights in case of default or breach
12. Privacy and Data Protection: Addresses handling of personal information and data privacy rights
13. Governing Law: Specifies Philippine law as governing law and jurisdiction
14. Notices: Specifies how formal communications between parties should be made
15. General Provisions: Includes standard clauses like severability, entire agreement, and amendments
1. Insurance Requirements: Required when the loan agreement includes mandatory insurance coverage for the borrower
2. Co-Borrower Provisions: Included when there is a co-borrower or guarantor for the loan
3. Electronic Transactions: Required when the loan involves online payments or electronic documentation
4. Prepayment Terms: Included when early repayment options are available
5. Special Draw Down Conditions: Used when the loan is released in tranches or subject to conditions
6. Credit Reporting: Required when the lender reports to credit bureaus
7. Assignment and Transfer: Included when the lender may sell or assign the loan to other institutions
1. Schedule A - Payment Schedule: Detailed amortization table showing payment dates, amounts, and breakdown of principal and interest
2. Schedule B - Fees and Charges: Comprehensive list of all applicable fees and charges
3. Schedule C - Disclosure Statement: Truth in Lending Act disclosures including effective interest rate and total cost of credit
4. Schedule D - Collateral Details: Detailed description of any collateral including serial numbers, titles, or other identifying information
5. Appendix 1 - Loan Application Form: Copy of the completed loan application form
6. Appendix 2 - Required Documents: List of documents submitted by borrower (IDs, proof of income, etc.)
7. Appendix 3 - Terms and Conditions: Standard terms and conditions of the lending institution
Relevant legal definitions
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Relevant Industries
Banking
Financial Services
Consumer Finance
Retail Banking
Microfinance
Consumer Services
Financial Technology
Credit Services
Relevant Teams
Legal
Compliance
Risk Management
Consumer Banking
Retail Banking
Credit Operations
Documentation
Collections
Customer Service
Product Development
Operations
Relevant Roles
Credit Officer
Loan Officer
Branch Manager
Compliance Officer
Legal Counsel
Risk Manager
Consumer Banking Manager
Retail Banking Officer
Financial Advisor
Customer Service Representative
Credit Risk Analyst
Documentation Specialist
Operations Manager
Collections Manager
Product Development Manager
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