Home Loan
Abot mo na ang inyong dream house. Start building your home with Cebuana Lhuillier Rural Bank’s Home Loan.
Sa Cebuana Lhuillier Rural Bank Home Loan, ang bahay na pinangarap mo, kaya mo nang bilhin! Choose the home loan option that will make that dream house something you can call yours. Interested? Check our loan calculator to find the perfect terms and click the “Apply Now” button.
Learn More
Jewelry Loan
Gamitin ang iyong jewelry as collateral para sa instant cash na solusyon sa mabilisan pangangailangan.
Sa Cebuana Lhuillier Rural Bank Jewelry Loan, maaaring gawing instant cash ang iyong jewelry items. Get up to 70% appraisal on your items with flexible payment terms and interest rates.
Learn More
Motorcycle Loan
Conquer the road with your dream motorcycle. Get it with Cebuana Lhuillier Bank.
Learn MoreConsumer Loans Terms and Conditions
- The Borrower hereby certifies that the provided information are true and correct and shall form part of the loan documents and the signatures indicated herein are genuine. The Borrower’s or his authorized representative’s provision of any information which is not true or accurate will automatically cause Cebuana Lhuillier Rural Bank (CLRB) to reject the Borrower’s loan application or cancel its approval.
- The Borrower authorizes CLRB to obtain relevant information as it may require concerning this application from other institutions/persons. All information obtained by or provided to CLRB pursuant to this application shall be CLRB’s property whether or not the loan is granted.
- The Borrower agrees that this loan application shall be subject to applicable laws (including BSP circulars, rules, and regulations), and policies of CLRB and undertakes to comply with/submit all loan requirements.
- The Borrower hereby waives in favor of CLRB confidentiality of client information including without limitation, the provisions of Republic Act Nos. 1405 (The Law on Secrecy of Bank Deposits), 6426 (Foreign Currency Deposit Act), and Section 55.1.b of Republic Act No. 8791 (General Banking Law), Republic Act No. 10173 (Data Privacy Act of 2012) and any law relating to the secrecy of bank deposits for purposes of CLRB’s evaluation of the Borrower’s application herein. The Borrower authorizes CLRB to: (a) pursuant to BSP Circular No. 472 Series of 2005 as implemented by BIR Revenue Regulation RR-4 2005, conduct random verification with the Bureau of Internal Revenue in order to establish authenticity of the ITR, accompanying financial statements and such other documents/information/data submitted by the Borrower, and/or (b) obtain or disclose such information regarding the Borrower or the loan/credit facilities applied for hereunder to any party as CLRB may deem necessary or as may be required or allowed by applicable laws. The Borrower also authorizes CLRB to request information regarding the status of any court case to which the Borrower is a party.
- The Borrower authorizes CLRB to conduct through its representative in-house and accredited appraisers, an appraisal of any or all of the collateral to be used for this loan. The Borrower also agrees that the appraisal report will be for CLRB’s sole use only.
- Any payment of bank fees (appraisal fee, mortgage registration expenses, insurance premium, DST, notarial fee, handling fee, cancellation fee, and other amounts as may be required upon loan application and/or for the release of loan proceeds) should only be through a CLRB branch or its accredited Cash Agent. Otherwise, such other payments shall not be honored or recognized. Payments on principal and interest shall be made through the mode/s of payment as may be indicated in the appropriate loan document executed by the Borrower in favor of CLRB.
- In case of disapproval, the Borrower understands that CLRB is under no obligation to disclose the reason/s for such disapproval.
- The Borrower further certifies that the proceeds of the loan, if this application is approved, will be used solely for the purpose stated in this application.
- The Borrower hereby authorizes CLRB to contact the Borrower regarding the status of the Borrower’s loan application, details concerning the Borrower’s approved/ availed loan via e-mail, telephone, text message, etc. Further, the Borrower authorizes CLRB and its affiliates, and their respective representatives and agents (“PJ Lhuillier Group”) to provide product information, notices, offers and announcements for the purpose of marketing, cross selling and sales offers to the Borrower via email, as well as broadcast messaging service, multi-media messaging service, and/or short messaging service as these terms are defined in the regulations of the National Telecommunications Commission (NTC). The Borrower agrees to hold CLRB free and harmless against any loss, injury or damage that the Borrower may suffer in relation to any notification/announcement sent by CLRB to the Borrower in the format stated herein. It is agreed and understood that unless and until CLRB is in receipt of a written notice from the Borrower not to be sent such messages, the Borrower’s authority as given herein shall be deemed continuing, valid and effective.
- In compliance with the requirements of the Data Privacy Act (“DPA”), the Borrower authorizes the general use and sharing of information obtained in the course of any transaction/s (which may include any transaction, business or other form of commercial relationship) with CLRB and its affiliates, and their respective representatives and agents (“PJ Lhuillier Group”) or from third parties (TransUnion or other Credit Bureaus). The data, which include personal information or sensitive personal information may be collected, processed, stored, updated, or disclosed by CLRB or continually be collected, stored, processed and/or shared for five (5) years from the conclusion of the Borrower’s transaction with CLRB and PJ Lhuillier Group or third parties or until the expiration of the retention limits set by applicable law, whichever comes later, (i) for legitimate purposes, (ii) to implement transactions which the Borrower requests, allows, or authorizes, (iii) to conduct credit scoring, investigation and credit reference checks, (iv) to offer and provide new or related products and services of CLRB and PJ Lhuillier Group or third parties, and (v) to comply with the CLRB’s internal policies and its reporting obligations to Governmental Authorities under Applicable Laws.
- The Borrower understands that should the Borrower wish to access, update, or correct certain information, or withdraw consent to the use of any of the information provided herein, the Borrower may communicate with CLRB’s Data Protection Officer at [email protected]. The Borrower may file complaints with, and/or seek assistance from the National Privacy Commission. Refers to the Principal Borrower and includes any Spouse and/or Co-Borrower / joint borrower who are jointly and solidarity liable for the loan. The CLRB at any time, at its option can transfer to the Co-Borrower solely or jointly the loan obligation when it falls due as here provided.
