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.
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Equitable Mortgage vs. Pacto de Retro Sale: When a "Sale" Is Really a Loan
Philippine courts look beyond contract labels. Learn how Articles 1602 and 1603 protect borrowers from disguised loans and unfair foreclosure.
Equitable Mortgage vs. Sale With Right to Repurchase: Philippine Supreme Court Ruling
Philippine Supreme Court explains when a "sale with right to repurchase" is actually an equitable mortgage, protecting borrowers from unfair foreclosure.
Equitable Mortgage vs Pacto de Retro Sale: Protecting Property Rights in the Philippines
Philippine Supreme Court ruling on when a sale with right to repurchase is actually an equitable mortgage, protecting property owners from unfair transactions.
Mortgage Law in the Philippines: Why You Can’t Mortgage Property You Don’t Own
Philippine mortgage law requires absolute ownership. Learn why mortgaging property you don't fully own is void, based on Lagrosa v. Court of Appeals.
Valid Mortgage Even Before Title Transfer Philippine Property LAW Explained
Philippine Supreme Court explains why a mortgage can be valid even if the title transfers after the mortgage contract is signed.
Mortgage Foreclosure: What Happens When a Bank Consolidates Title Before Your Case Ends
Philippine Supreme Court ruling on bank consolidation of foreclosed property title, TRO effects, and borrower rights during pending litigation.
Res Judicata in Philippine Property Law: Why Final Judgment Really Means Final
A 1999 Supreme Court ruling explains how conclusiveness of judgment bars relitigating mortgage validity in property disputes.
Co-Ownership Rights: Protecting Inherited Property From Unauthorized Mortgages
A co-owner cannot mortgage inherited property beyond his own share. Learn the rules protecting co-heirs from unauthorized encumbrances.
Mortgage Foreclosure After Death of a Debtor: Creditor Options in the Philippines
When a mortgagor dies, creditors have three legal options. Learn how extrajudicial foreclosure works under Philippine law.
Acceleration Clauses in Philippine Chattel Mortgages: Rights and Limitations
Philippine Supreme Court ruling on acceleration clauses in chattel mortgages, good faith, and damages for wrongful foreclosure.
Unmasking Equitable Mortgages in the Philippines: When a Deed of Sale Isn’t Really a Sale
Philippine Supreme Court explains when a deed of absolute sale is actually an equitable mortgage, protecting borrowers from unfair land deals.
Equitable Mortgage in Philippine Real Estate: Protecting Your Property Rights
When is a deed of sale actually an equitable mortgage? Learn how Philippine courts protect property owners from disguised loan transactions.
Buyer Beware Understanding Mortgage Foreclosure Risks When Purchasing Property in the Philippines
Learn from Ligon v. Court of Appeals why buyers of mortgaged Philippine property face serious foreclosure risks and what due diligence requires.
Mortgage Preference vs Corporate Rehabilitation: Understanding Creditor Rights in the Philippines
Philippine Supreme Court ruling on creditor rights, mortgage preference, and payment rules under the Civil Code explained in plain language.
Repossession Expenses and Chattel Mortgage Foreclosure: Understanding Mortgagor Liabilities
When foreclosure becomes a fait accompli, can a mortgagor still sue for damages? The Supreme Court clarifies the rule.
Protecting Loan Security: How Mortgagees Can Secure Insurance Claims in the Philippines
Learn how mortgagees can secure insurance proceeds under Philippine law, based on the Supreme Court's ruling in Rizal Commercial Banking Corp. v. Goyu & Sons.
The High Cost of Negligence: Why Banks Must Exercise Due Diligence in Mortgage Transactions
Philippine Supreme Court ruling on GSIS v. Salonga clarifies that banks and lending institutions cannot claim good faith by merely relying on titles.
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.
Perfecting a Sale With an Assumed Mortgage: Key Considerations in Philippine Law
Philippine Supreme Court ruling on when a deed of absolute sale with assumption of mortgage is perfected, and the consequences of failing to comply with mortgagee conditions.
Subrogation in Philippine Law: Recovering Debt After Paying Another's Mortgage
Explaining subrogation under Philippine law through a Supreme Court ruling on a partner who paid a co-debtor's mortgage.
Equitable Mortgage vs. Pacto de Retro Sale: When a "Sale" Is Really a Loan
Philippine law presumes certain "sales with right to repurchase" are equitable mortgages, protecting borrowers from unfair lending arrangements.
Equitable Mortgage vs Sale: Protecting Property Rights in Philippine Ejectment Cases
Philippine Supreme Court clarifies when a deed of sale is actually an equitable mortgage, and how courts may rule on ownership in ejectment suits.
Mortgage Foreclosure in the Philippines: Protecting Your Rights Against Unilateral Interest Rate Hikes
Learn how the Supreme Court protects borrowers from unilateral interest rate hikes and what notice is required in Philippine mortgage foreclosures.
Equitable Mortgage vs Absolute Sale: Protecting Property Rights in the Philippines
Learn how Philippine courts distinguish equitable mortgages from absolute sales to protect property owners from hidden credit arrangements.