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.
Mortgage Contracts and Future Advances: Understanding the Scope of Security in Philippine Law
When does a real estate mortgage cover future loans beyond the stated amount? The Supreme Court explains in Quintanilla v. RCBC.
Redemption Rights Under the Public Land Act: A Guide for Heirs and Mortgagors
Learn how the two-year redemption and five-year repurchase periods work for foreclosed Public Land Act properties, and what heirs should know.
Accretion vs. Foreshore Land in the Philippines: Who Owns Newly Formed Land?
Philippine law distinguishes accretion from foreshore land. Learn who owns newly formed land along rivers and seas under the Civil Code and the Spanish Law of Waters.
When Can a Bank Seize Funds? Understanding Set-Off Rights in the Philippines
Learn when Philippine banks can legally seize deposits through set-off, and the limits on this right under Philippine law.
Mutuality of Contracts: Why Banks Cannot Unilaterally Change Interest Rates
Philippine Supreme Court ruling explains why banks cannot unilaterally raise loan interest rates without borrower consent, citing mutuality of contracts.
The Best Evidence Rule: Proving Payment and Authority in Philippine Law
Philippine National Bank v. Court of Appeals clarifies when the best evidence rule requires producing an original document to prove payment and agency authority.