The DIY Loan Agreement serves as a fundamental legal instrument for documenting lending transactions in the Philippines, whether for personal, business, or mixed-use purposes. This document is particularly useful when formal banking channels are not the preferred option, or when parties wish to structure a private lending arrangement while maintaining legal compliance. The agreement incorporates all essential elements required by Philippine law, including Truth in Lending Act disclosures, interest rate provisions compliant with Central Bank regulations, and necessary execution formalities. It can be customized for various loan amounts and purposes while maintaining its enforceability under Philippine civil law. The document includes options for both secured and unsecured loans, making it versatile for different lending scenarios while providing adequate protection for all parties involved.
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1. Parties: Identifies and provides full details of the Lender and Borrower, including complete names, addresses, and contact information
2. Background: Explains the context of the loan agreement and the parties' intention to enter into a lending arrangement
3. Definitions: Defines key terms used throughout the agreement to ensure clarity and prevent misinterpretation
4. Loan Amount and Purpose: Specifies the principal amount being lent and the intended use of the loan proceeds
5. Interest Rate: Details the interest rate, calculation method, and compliance with Philippine usury laws
6. Repayment Terms: Specifies payment schedule, amounts, and method of payment
7. Security: Details any collateral or security provided for the loan
8. Representations and Warranties: States the facts and assurances made by both parties
9. Events of Default: Lists circumstances that constitute default and their consequences
10. Remedies: Outlines the rights and actions available to parties in case of default
11. Governing Law: Confirms that Philippine law governs the agreement
12. Execution: Space for signatures, witnesses, and notarization
1. Guarantor Provisions: Include when a third party is guaranteeing the loan
2. Insurance Requirements: Include when requiring the borrower to maintain specific insurance coverage
3. Prepayment Terms: Include when allowing early repayment options or specifying prepayment penalties
4. Assignment and Transfer: Include when parties want to address the ability to transfer rights under the agreement
5. Electronic Communications: Include when parties agree to use electronic means for notices and communications
6. Co-Borrower Provisions: Include when there are multiple borrowers
7. Privacy and Data Protection: Include when handling personal data beyond basic contact information
1. Repayment Schedule: Detailed amortization table showing payment dates, principal, interest, and running balance
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. Required Documents: List of supporting documents provided by the borrower
5. Contact Details: Complete contact information for all relevant parties and authorized representatives
Relevant legal definitions
Clauses
Relevant Industries
Banking & Finance
Real Estate
Small Business
Consumer Finance
Agriculture
Retail
Personal Services
Education
Construction
General Commerce
Relevant Teams
Legal
Finance
Compliance
Risk Management
Credit Administration
Business Development
Operations
Documentation
Corporate Services
Customer Relations
Relevant Roles
Financial Manager
Credit Officer
Legal Counsel
Loan Officer
Business Owner
Financial Advisor
Compliance Officer
Risk Manager
Contract Administrator
Small Business Owner
Private Lender
Real Estate Agent
Mortgage Broker
Business Development Manager
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