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The pawnshop shall have the right to sell or dispose of the pawn in public auction if the pawner fails to redeem the pawn within the (90) day grace period. In case no mode of notification is agreed upon, the default shall be via ordinary.

The pawner and pawnshop agree that the notice of auction shall be delivered via e-mail, SMS, or ordinary mail at_ (check box of agreed mode and indicate the email address, mobile phone no., or complete residential address as may be appropriate, in the space provided).

The pawnshop shall notify the pawner of any change in its business address/location through: (1) publication in English and in Filipino or in the local dialect in two (2) daily newspapers of general circulation in the city or municipality where the pawnshop is closing business and (2) posting in English and Filipino or in the local dialect for one (1) month after the date of publication in a conspicuous place in the premises to be vacated and to be transferred to.

The amount of interest due and payable after the maturity date of the load up to the redemption period shall be computed upon redemption at the rate of provided above based on the sum of principal loan and interest earned as of the date of maturity.

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Upon maturity of this loan, as indicated on the face of this pawn ticket, the pawner has ninety (90) days from maturity date within which to redeem the pawn by paying the principal loan plus the interest that shall have accrued thereon.This loan is renewable for such amount and period as may be agreed upon between the pawnshop and the pawner subject to the same requirements for a new loan.The service charge is equivalent to one percent (1%) of the principal loan, but shall not exceed to five pesos (P5.00).The pawnshop hereby agrees not to collect advance interest for a period of more than one (1) year. In case of dispute, the regular courts of law have the vested power to determine the reasonableness and legality of interest rates. The pawner agrees on the interest rates imposed in this contract of pledge.The pawner hereby accepts the pawnshop’s appraisal as proper.Redeem Formula Principal x 18% + P10+ Principal= Total Redemption AmountĮxample: 10,000 x 18% + P10+ (10,000 principal amount) = P11,810 Renew Formula: Principal amount x 22% total interest (Month 1 6% interest + Month 2 6% + Month 3 6% expiry (90 days) + advance interest 4%+)+ P15 (service charge of P5 + Mailing fee (P10)) = Total Renewal Amount Representative Example: A Php 10,000.00 renewed loan value for 4 months will have an interest charge of 22% + 15 service charge and mailing fee amounting to Php 2,215 and if for redemption it will have an interest charge of 18% + Php 10 mailing Fee amounting to Php11,810. Our interest rate for renewed transactions begins at 4% plus 2% liquidated damages and a Php5 service charge. No other hidden charges will be deducted from the loan.Ĭebuana Lhuillier Pawnshop offers a minimum of 90 days upon maturity and a maximum of 4 months on repayment of loan. To maintain the excellent standard of service offered by Cebuana Lhuillier, clients will be charged additional one percent (1%) of the principal loan, but not exceeding five pesos (Php5). Advance interest will be charged Php4 for every Php100 loan amount. Company IDs issued by private entities or institutions registered with or supervised or regulated either by the Bangko Sentral ng Pilipinas, Securities and Exchange Commission or Insurance CommissionĬebuana Lhuillier assures highest appraisal and security for pawned items.

Integrated Bar of the Philippines (IBP) ID.

Department of Social Welfare and Development (DSWD) Certification.

Certification from the National Council for the Welfare of Disabled Persons (NCWDP).

Government Office and GOCC ID, e.g., Armed Forces of the Philippines (AFP ID).

#Fossil 10 atm watch manual registration#

Alien Certification of Registration/Immigrant Certificate of Registration.

Overseas Workers Welfare Administration (OWWA) ID.

Government Service Insurance System (GSIS) e-Card.

Social Security System (SSS) Card / Unified Multi-Purpose ID (UMID).

Philippine Identification (PhilID) card.

National Bureau of Investigation (NBI) Clearance.

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Professional Regulation Commission (PRC) ID.

The pawner must submit at least one (1) of the following as a valid form of identification.