The Personal Loan Form is a standardized legal document used in the Philippines for facilitating personal loan transactions between financial institutions and individual borrowers. This document is essential for compliance with Philippine banking regulations, including the Truth in Lending Act and BSP circulars. It is typically used when an individual seeks to borrow money for personal purposes such as home improvements, education, medical expenses, or debt consolidation. The form includes comprehensive details about the loan amount, interest rates, payment terms, borrower's obligations, and lender's rights, while ensuring transparency in line with Philippine consumer protection laws. It serves as both a loan application and a binding agreement once executed, incorporating all necessary disclosures and terms required by Philippine banking and finance regulations.
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1. Parties: Identifies the lender and borrower with their complete legal names and addresses
2. Background: Brief context explaining the purpose of the loan and the parties' intention to enter into the agreement
3. Definitions: Defines key terms used throughout the agreement including 'Business Day', 'Interest Rate', 'Default Event', etc.
4. Loan Amount and Purpose: Specifies the principal amount being borrowed and its intended use
5. Interest Rate: Details the applicable interest rate, calculation method, and compliance with Philippine banking regulations
6. Repayment Terms: Outlines the repayment schedule, payment methods, and due dates
7. Security: Describes any collateral or security provided for the loan
8. Representations and Warranties: Statements of fact by the borrower regarding their financial status and ability to repay
9. Borrower's Covenants: Ongoing obligations of the borrower during the loan term
10. Events of Default: Lists circumstances that constitute default and their consequences
11. Remedies: Outlines the lender's rights and remedies in case of default
12. Notices: Specifies how formal communications between parties should be made
13. Governing Law: Confirms Philippine law as governing law and jurisdiction
14. Execution: Signature blocks and execution requirements
1. Co-Borrower Provisions: Include when there is a co-borrower or guarantor for the loan
2. Insurance Requirements: Include when the loan requires life, property, or other insurance coverage
3. Prepayment Terms: Include when early repayment is allowed, specifying any penalties or conditions
4. Electronic Payment Authorization: Include when automatic electronic payments are required
5. Cross-Default Provisions: Include when the borrower has other loans with the same lender
6. Assignment and Transfer: Include when the lender may want to transfer or assign the loan
7. Privacy and Data Protection: Include when personal data processing is involved beyond basic contract requirements
1. Schedule A - Repayment Schedule: Detailed amortization table showing payment dates, principal, interest, and balance
2. Schedule B - Fees and Charges: Comprehensive list of all applicable fees and charges
3. Schedule C - Security Details: Detailed description of any collateral or security provided
4. Appendix 1 - Borrower Information Form: Standard form containing borrower's personal and financial information
5. Appendix 2 - Truth in Lending Act Disclosure: Mandatory disclosure statement as required by Philippine law
6. Appendix 3 - Payment Instructions: Details of payment methods and bank account information
Relevant legal definitions
Clauses
Relevant Industries
Banking
Financial Services
Consumer Finance
Microfinance
Credit Cooperatives
Rural Banking
Online Lending
Financial Technology
Relevant Teams
Legal
Compliance
Risk Management
Credit Operations
Customer Service
Collections
Branch Operations
Loan Processing
Document Control
Quality Assurance
Relevant Roles
Loan Officer
Credit Analyst
Banking Manager
Compliance Officer
Legal Counsel
Risk Manager
Branch Manager
Financial Advisor
Credit Risk Officer
Customer Service Representative
Underwriter
Collections Manager
Relationship Manager
Operations Manager
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