Mortgage Closing Disclosure Form Template for Philippines

1. Refinance Information: Used when the transaction is a refinance, showing details of the original loan and refinancing terms

2. Government Loan Information: Required for government-backed loans (e.g., Pag-IBIG), showing specific program details and requirements

3. Adjustable Payment (AP) Table: Required for loans with adjustable payment features, showing payment changes over time

4. Adjustable Interest Rate (AIR) Table: Required for adjustable-rate mortgages, showing how rate changes affect payments

5. Construction Loan Information: Used for construction-to-permanent loans, showing construction phase terms and final loan terms

6. Partial Payment Policy: Required when lender has specific policies about accepting partial payments

7. Insurance Requirements: Used when specific insurance requirements beyond standard hazard insurance apply

1. Schedule A - Itemized Loan Costs: Detailed breakdown of all loan-related costs including origination charges, appraisal fees, and title costs

2. Schedule B - Itemized Other Costs: Detailed breakdown of non-loan costs including government fees, taxes, and insurance

3. Schedule C - Escrow Account Calculations: Detailed calculations for initial and ongoing escrow payments

4. Appendix 1 - Annual Percentage Rate (APR) Calculations: Detailed breakdown of APR calculation as required by Truth in Lending Act

5. Appendix 2 - Amortization Schedule: Complete loan amortization schedule showing payment breakdown over the loan term

6. Appendix 3 - Additional BSP Required Disclosures: Supplementary disclosures required by Bangko Sentral ng Pilipinas regulations

7. Appendix 4 - Property Information: Detailed information about the mortgaged property including technical description and tax declaration