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1. Parties: Identification of the Lender and Borrower with complete details as required under Philippine law

2. Background: Context of the loan agreement and brief description of the mortgaged property

3. Definitions: Definitions of key terms used throughout the agreement

4. Loan Amount and Purpose: Specification of the principal amount and purpose of the loan

5. Interest Rate and Charges: Details of interest rate, calculation method, and other charges in compliance with Truth in Lending Act

6. Term and Repayment: Loan duration and repayment schedule including payment amounts, dates, and method

7. Security: Description of the mortgaged property and creation of the mortgage security interest

8. Representations and Warranties: Statements of fact by the Borrower regarding their capacity and the property

9. Borrower's Covenants: Ongoing obligations of the Borrower including property maintenance and insurance

10. Events of Default: Circumstances constituting default and consequences

11. Enforcement and Remedies: Lender's rights upon default including foreclosure process under Act 3135

12. General Provisions: Standard contractual terms including notices, amendments, and governing law

1. Property Description Schedule: Detailed technical description of the mortgaged property as per land title

2. Payment Schedule: Amortization table showing all scheduled payments

3. Fees and Charges Schedule: Detailed breakdown of all fees and charges as required by Truth in Lending Act

4. Property Documents: List of property documents provided including title certificates

5. Insurance Requirements: Detailed specifications for required insurance coverage

6. Form of Promissory Note: Template of the promissory note to be executed alongside the mortgage