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The Investment Loan Contract is a crucial document used in the Philippine business environment when a lender provides substantial financing for specific investment purposes. This document is essential for transactions requiring structured financing, typically involving significant loan amounts and specific investment objectives. The contract must comply with Philippine banking regulations, the Civil Code, and securities laws, making it particularly important to include proper security arrangements, clear disbursement conditions, and comprehensive investment monitoring provisions. The Investment Loan Contract serves as the primary agreement governing the relationship between lender and borrower, detailing all aspects of the loan facility including interest calculations, repayment schedules, events of default, and remedies. It's commonly used in corporate financing, project development, and major business expansions where detailed loan documentation is required to protect all parties' interests and ensure regulatory compliance.

1. Parties: Identifies and defines the Lender and Borrower, including their complete legal names, addresses, and registration details

2. Background: Sets out the context of the loan, including the investment purpose and basic transaction structure

3. Definitions: Defines key terms used throughout the agreement

4. Loan Amount and Purpose: Specifies the principal amount of the loan and detailed description of its investment purpose

5. Interest and Fees: Details the interest rate, calculation method, payment periods, and any applicable fees

6. Disbursement: Conditions precedent and procedures for loan disbursement

7. Repayment Terms: Schedule and method of repayment, including principal and interest payment dates

8. Security: Details of collateral or other security arrangements securing the loan

9. Representations and Warranties: Statements of fact and assurances from both parties

10. Covenants: Ongoing obligations of the Borrower during the loan term

11. Events of Default: Circumstances constituting default and consequences

12. Remedies: Rights and remedies available to the Lender upon default

13. Governing Law and Jurisdiction: Specifies Philippine law as governing law and jurisdiction for disputes

14. Notices: Process for formal communications between parties

15. General Provisions: Standard boilerplate clauses including amendments, assignment, and severability