The Peer to Peer Loan Agreement is essential for formalizing private lending arrangements in the Philippines, providing an alternative to traditional bank financing. This document is particularly relevant in today's digital age where P2P lending platforms are becoming increasingly popular. It complies with Philippine financial regulations, including BSP Circular No. 1133 and the Truth in Lending Act, while incorporating necessary provisions for loan amount, interest rates, repayment schedules, and security arrangements. The agreement is suitable for both individual and business lending scenarios, offering flexibility while maintaining legal enforceability. It includes comprehensive provisions for default scenarios, dispute resolution, and electronic execution options, making it adaptable to both traditional and digital lending environments.
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1. Parties: Identification and details of the Lender and Borrower, including complete names, addresses, and tax identification numbers
2. Background: Brief context of the loan arrangement and the parties' intention to enter into this agreement
3. Definitions: Definitions of key terms used throughout the agreement
4. Loan Amount and Purpose: Specification of the loan amount, currency, and intended purpose of the loan
5. Interest Rate: Clear statement of interest rate, calculation method, and compliance with Philippine usury laws
6. Term and Repayment: Loan duration, repayment schedule, and payment methods
7. Disbursement: Terms and conditions for the release of the loan amount
8. Representations and Warranties: Statements of fact and assurances from both parties
9. Borrower's Covenants: Ongoing obligations and commitments of the borrower during the loan term
10. Events of Default: Circumstances that constitute default and their consequences
11. Remedies: Rights and actions available to the lender in case of default
12. Notices: How formal communications between parties should be made and delivered
13. Governing Law: Specification of Philippine law as governing law and jurisdiction
14. Miscellaneous: Standard boilerplate provisions including severability, entire agreement, and amendments
1. Security: Details of any collateral or security provided for the loan - include when the loan is secured
2. Guaranty: Terms of personal or corporate guaranty - include when there is a guarantor
3. Insurance: Requirements for insurance coverage - include when specific insurance is required
4. Prepayment: Terms for early repayment of the loan - include when prepayment is allowed
5. Assignment: Rights to assign or transfer the loan - include when assignment rights are needed
6. Electronic Execution: Provisions for electronic signing - include when agreement will be executed electronically
7. Co-Borrower: Additional terms for co-borrowers - include when there are multiple borrowers
1. Schedule A - Repayment Schedule: Detailed amortization table showing payment dates, amounts, and breakdown of principal and interest
2. Schedule B - Disbursement Requirements: List of documents and conditions required before loan disbursement
3. Schedule C - Security Details: Detailed description of any collateral or security provided
4. Appendix 1 - Loan Application Form: Copy of the completed loan application
5. Appendix 2 - KYC Documents: Copies of required identification and verification documents
6. Appendix 3 - Promissory Note: Standard promissory note format to be executed alongside the agreement
Relevant legal definitions
Clauses
Relevant Industries
Financial Services
Real Estate
Small and Medium Enterprises
Agriculture
Technology
Retail
Manufacturing
Education
Healthcare
Construction
Relevant Teams
Legal
Finance
Compliance
Credit Risk
Treasury
Documentation
Collections
Business Development
Risk Management
Investment
Relevant Roles
Chief Financial Officer
Finance Manager
Legal Counsel
Compliance Officer
Credit Risk Manager
Loan Officer
Financial Advisor
Business Development Manager
Debt Collection Officer
Treasury Manager
Contract Administrator
Risk Assessment Officer
Documentation Specialist
Small Business Owner
Investment Manager
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