Legal Insights

Plain-language guides and case briefs on Philippine law — researched from the firm's law library of 184,000+ statutes, Supreme Court decisions, and agency issuances, and written so non-lawyers can understand and act on them.

Showing 217240 of 491 articles for loan

Perfecting Appeals Strict Compliance With Rules OF Court IS Mandatory

Learn how the Supreme Court ruled on writs of possession, third-party adverse claims, and strict procedural compliance in extrajudicial foreclosures.

Quantum Meruit: Fair Pay When Contracts Lack Clear Terms

Learn how quantum meruit ensures fair compensation when contracts lack clear payment terms, based on the Supreme Court's ruling in International Hotel Corporation v. Joaquin.

Tolerance and Land Ownership: How Permissive Use Impacts Property Rights in the Philippines

Philippine Supreme Court ruling on how possession by mere tolerance cannot ripen into ownership through prescription or adverse possession.

Motion for Reconsideration Before Certiorari: The Novateknika Rule

Philippine courts require a motion for reconsideration before filing certiorari. Learn the rule, its exceptions, and why it matters.

Movable or Immovable: How Mortgage Agreements Define Property in Foreclosure

A Supreme Court ruling on whether machineries are movable or immovable property in mortgage foreclosures, explained in plain language.

Trust Receipt vs. Loan: When a Security Agreement Becomes a Debt

Philippine Supreme Court ruling clarifies when a trust receipt arrangement is actually a loan, affecting liability and criminal exposure.

Tenants Rights and Landlords Title: Estoppel and Redemption in Lease Agreements

Learn how the Supreme Court ruled on repurchase agreements, estoppel, and landlord-tenant rights in foreclosure cases.

Rehabilitation vs Secured Interests: Balancing Creditor Rights in Corporate Recovery

Philippine Supreme Court ruling on how corporate rehabilitation balances secured creditors' rights with the need for equal treatment and recovery.

Credit Card Obligations Without Signed Agreements: When Interest Rates Bind

Supreme Court rules on credit card debt when no signed agreement exists, and when interest charges may be unenforceable.

Loss of Trust and Confidence: When Can Philippine Employers Dismiss Managerial Employees?

The Supreme Court in Manese v. Jollibee clarifies the less stringent standard for dismissing managerial employees for loss of trust and confidence.

Foreclosure vs Rehabilitation: When a Stay Order Takes Effect

A stay order in corporate rehabilitation does not undo a foreclosure completed before the petition. Ownership matters.

Loan Restructuring vs Foreclosure: Borrower Rights in the Philippines

When does a pending loan restructuring stop a bank from foreclosing? The Supreme Court explains borrower rights and limits.

Annulment of Judgment: Who Can Sue and When It Is Allowed Under Philippine Law

Learn who may file annulment of judgment under Rule 47, the limited grounds, and why non-parties have other remedies.

Annulment of Judgment: When a Non-Party Can Challenge a Final Court Decision

Learn when Philippine courts allow annulment of judgment under Rule 47, and why non-parties have limited remedies.

CBA Loan Benefits vs Bank Policy: When Management Rules Violate the Agreement

SC rules on when a bank's "no negative data bank" policy for employee loans violates the existing CBA. Learn the limits of management prerogative.

Venue in Civil Cases: Real Party in Interest's Residence Governs, Even for Plaintiffs Abroad

Philippine venue rules: when a plaintiff resides abroad, the case must be filed where the defendant resides—not where the attorney-in-fact lives.

Corporate Rehabilitation Separate Juridical Personality Prevails Over Third Party Mortgages

Supreme Court clarifies that corporate rehabilitation stay orders do not cover properties owned by third-party mortgagors.

Dragnet Clauses and Foreclosure: Defining the Limits of Mortgage Security in the Philippines

A bank cannot inflate a foreclosure redemption price using a dragnet clause. The Supreme Court explains the limits of mortgage security.

Rehabilitation Denied When Financial Realities Override Corporate Rescue

The Supreme Court clarifies when corporate rehabilitation is not available—mere illiquidity qualifies, but irreversible insolvency with speculative plans does not.

Novation Nullified: Why Payment Agreements Don't Automatically Erase Original Loan Obligations

Philippine Supreme Court clarifies when a new payment agreement novates an old loan—and when it doesn't, in Heirs of Franco v. Gonzales.

When a Lease Isn't a Lease: Clarifying Rights in Market Stall Agreements

A Supreme Court ruling clarifies the distinction between leasehold rights and ownership of improvements in market stall transactions under Philippine law.

Ratification Validates Unauthorized Acts: Agency Law in Philippine Mortgages

Explaining how ratification under Philippine law validates an agent's unauthorized mortgage acts, as ruled in Prieto v. Court of Appeals.

Equitable Mortgage Claims: Proving Intent Beyond Bare Allegations

Supreme Court clarifies when a sale is presumed an equitable mortgage under Article 1602, stressing evidence over allegations in property disputes.

Judicial Ethics: Sheriff Dismissed for Accepting Payoffs in Landmark Philippine Ruling

Supreme Court dismisses deputy sheriff for accepting kickbacks from a newspaper publisher in exchange for judicial notice assignments, reaffirming strict ethics for court personnel.