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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Mutuality of Contracts: Borrower's Right to Inspect Loan Sale Documents Under Rule 27
Supreme Court rules borrowers may compel production of loan sale agreements to verify consideration and exercise redemption rights under Article 1634.
Equitable Mortgage vs Absolute Sale: How Philippine Courts Protect Borrowers
A Supreme Court ruling shows that a deed of sale used to secure a loan may be treated as an equitable mortgage, not a transfer of ownership.
BSP Authority to Set Interest Rates and Protect Borrowers After Usury Law Suspension
The Supreme Court confirms the BSP's authority over interest rates, explains the Usury Law suspension, and protects borrowers from unconscionable charges.
Injunction Against Bank Foreclosure: When Borrowers Cannot Stop the Sale
Supreme Court explains when courts may issue injunctions to stop extrajudicial foreclosure, and why defaulting borrowers cannot rely on disputed interest rates.
Trust Receipts vs Loans: Distinguishing Obligations in Philippine Law
Philippine Supreme Court clarifies the distinction between trust receipts and loan obligations, and the legal consequences for banks and borrowers.
Loan Interest Rate Adjustments Understanding Banks Rights AND Borrowers Obligations IN THE Philippines
Philippine Supreme Court ruling on implied trusts in mortgage contracts, parol evidence, and borrower protections.
Mortgage Obligations and Appeal Rights in Real Estate Disputes
The Supreme Court rules on mortgage obligations, appeal periods, and writs of execution in a dispute between borrowers and PNB.
Written Stipulation Is Paramount: Examining Interest Rate Agreements in Loan Contracts
The Supreme Court clarifies when interest rates bind borrowers and when the 12% legal rate applies instead.
Unconscionable Interest Rates: When Courts Step In to Protect Borrowers
Philippine courts can reduce excessive loan interest rates. Learn how the Supreme Court protected borrowers from unconscionable terms.
Disbarment for Misusing Blank Checks: Dishonesty and Abuse of Authority
A lawyer who filled up borrowers' blank checks and filed baseless criminal cases was disbarred for gross misconduct and dishonesty.
Equitable Reduction of Interest: Protecting Borrowers from Unconscionable Loan Terms
The Supreme Court affirms courts' power to reduce unconscionable interest and penalty rates, protecting borrowers from excessive loan charges.
Unconscionable Interest Rates: Protecting Borrowers From Excessive Loan Costs
The Supreme Court affirms that monthly interest rates of 5% to 7% are unconscionable and may be reduced to 12% per annum.
Equitable Mortgage Prevails Protecting Borrowers From Onerous Sale Agreements
Supreme Court rules a deed of sale with right to repurchase can be an equitable mortgage, protecting borrowers from onerous terms.
Dragnet Clauses in Mortgages: When Future Debts Are Secured Beyond the Initial Loan
Philippine Supreme Court explains how dragnet clauses in real estate mortgages cover future debts, and what borrowers must pay to redeem foreclosed property.
Fortuitous Events and Loan Obligations: DBP vs. Spouses Calina
A typhoon destroyed a financed fishing boat, but the borrowers still had to repay their loan. The Supreme Court explains why.
Equitable Mortgage vs Sale: Protecting Borrowers in Philippine Property Deals
When is a deed of sale actually an equitable mortgage? The Supreme Court explains how borrowers are protected under Philippine law.
Equitable Mortgage vs Pacto de Retro: Protecting Borrowers From Unfair Land Seizure
When is a "sale with right to repurchase" really a loan? The Supreme Court explains equitable mortgage protections for Filipino landowners.
Unconscionable Interest Rates Protecting Borrowers From Excessive Loan Charges
Philippine courts can void excessive interest rates and reset loans to the legal rate. Learn how the Espiritu v. Landrito ruling protects borrowers.
Unconscionable Interest Rates: How Philippine Courts Protect Borrowers
Philippine courts void unconscionable interest rates as against public policy. Learn the rules, jurisprudential standards, and practical protections for borrowers.
Equitable Mortgage Prevails Protecting Borrowers From Disguised Loan Agreements
Equitable Mortgage vs Pacto de Retro: Protecting Borrowers' Rights
When is a sale with right to repurchase actually an equitable mortgage? The Supreme Court explains the legal presumption protecting borrowers.
Mortgage on Unregistered Land in the Philippines: Risks and Due Diligence for Banks and Borrowers
Learn the risks of mortgaging unregistered land in the Philippines and the due diligence banks and borrowers must perform before foreclosure.
Equitable Mortgage vs Pacto de Retro Sale: Philippine Real Estate Security Rules
Philippine Supreme Court clarifies when a deed of sale with right to repurchase is actually an equitable mortgage, protecting borrowers from losing property.
Equitable Mortgage vs Absolute Sale: Protecting Your Property Rights in the Philippines
When is a deed of absolute sale actually an equitable mortgage? Philippine law protects borrowers who sign sale documents to secure loans.