Refinance Agreement Template for Philippines

1. Guarantors: Include when third-party guarantors are involved in securing the refinanced loan

2. Property Security Provisions: Required when real estate is used as collateral for the refinanced loan

3. Insurance Requirements: Include when specific insurance coverage is required for secured assets

4. Change Control: Include for corporate borrowers to address ownership changes

5. Tax Provisions: Detailed tax provisions when complex tax implications exist

6. Financial Covenants: Include for corporate borrowers or large loans requiring financial ratio maintenance

7. Cross-Default: Include when the borrower has other significant loans or financial obligations

8. Collection Agent: Include when a third-party collection agent is appointed

1. Schedule 1 - Original Loan Agreement: Copy or summary of the original loan agreement being refinanced

2. Schedule 2 - Payment Schedule: Detailed amortization schedule showing payment dates and amounts

3. Schedule 3 - Security Details: Detailed description of all security or collateral

4. Schedule 4 - Conditions Precedent Documents: List of required documents and conditions to be met

5. Schedule 5 - Form of Compliance Certificate: Template for periodic compliance certification if required

6. Appendix A - Calculation Methods: Detailed explanation of interest and payment calculations

7. Appendix B - Required Insurance: Specifications for required insurance coverage

8. Appendix C - Standard Forms: Templates for notices, payment instructions, and other standard forms