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.
Usurious Interest and Foreclosure: When Unconscionable Loan Terms Void a Foreclosure Sale
A Supreme Court ruling on how excessive interest rates can invalidate a foreclosure sale, and what borrowers and lenders must know.
Mutuality of Contracts: When Banks Cannot Unilaterally Raise Interest Rates
Philippine Supreme Court ruling on Silos v. PNB explains why unilateral interest rate hikes violate the mutuality principle in loan contracts.
Foreclosure Validity: Banks Can Foreclose Despite Disputed Loan Agreements
Supreme Court ruling on when banks may foreclose despite disputed interest rates, and the legal interest that applies after default.
Waiver of Demand and Interest Rate Limits in Philippine Loan Agreements
The Supreme Court clarifies when demand is unnecessary before default and why courts reduce excessive stipulated interest rates.
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.
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.
When a Final Judgment Bars a New Case: Res Judicata and Forum Shopping in Loan Disputes
The Supreme Court explains how a final ruling on loan interest rates can bar a later case through res judicata and forum shopping.
Res Judicata and Forum Shopping in Foreclosure Disputes: Villanueva v. Court of Appeals
The Supreme Court explains how res judicata and forum shopping bar repeated challenges to loan interest rates and foreclosure proceedings.
Philippine Supreme Court Clarifies Documentary Stamp Tax on Passbook Savings Accounts
The Supreme Court rules that passbook savings accounts with higher interest rates are certificates of deposit subject to documentary stamp tax.
Philippine Savings Bank v. Castillo: Mutuality of Contracts and Unilateral Loan Interest Adjustments
Philippine Supreme Court rules that banks cannot unilaterally increase loan interest rates without borrower consent, citing the principle of mutuality of contracts.
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.
Unconscionable Interest Rates in the Philippines: When Courts Can Intervene
When can courts strike down excessive interest rates? Learn from Toledo v. Hyden, a Philippine Supreme Court ruling on unconscionable interest.
Upholding Compromise Agreements: When Can a Party Avoid Their Obligations
The Supreme Court clarifies when compromise agreements bind parties, and when courts may reduce unconscionable interest rates.
Breach of Contract vs Forbearance: Clarifying Interest Rate Applications in Philippine Law
Philippine Supreme Court clarifies when forbearance interest applies versus breach of contract damages, and how courts compute legal interest on monetary awards.
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.
Credit Card Interest Rates: Balancing Lender Rights and Borrower Protection in the Philippines
The Supreme Court limits credit card interest and penalty rates to 2% monthly, balancing lender rights with borrower protection.
Interest Rate Disputes Contractual Agreements VS Legal Modifications IN Philippine LAW
Philippine Supreme Court rules on contractual interest rates, legal modifications, and judicial intervention in private loan agreements.
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.
Bouncing Checks and Iniquitous Interest: When a Civil Case Cannot Stop a Criminal Prosecution
Learn when a dispute over unconscionable interest rates can—and cannot—suspend criminal prosecutions for bouncing checks under BP 22.
Mutuality of Contracts: The Limits of Bank Discretion in Setting Interest Rates
Philippine Supreme Court clarifies that unilateral interest rate setting violates mutuality of contracts, but the principal loan obligation remains valid and enforceable.
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.
Is 24% Interest Legal in the Philippines? Bacolor v. Banco Filipino Explained
The Supreme Court in Bacolor v. Banco Filipino ruled that a 24% annual interest rate agreed upon in writing is not usurious or unconscionable.
Interest Rate Dynamics Determining Proper Compensation In Contractual Rescission
Learn how Philippine courts determine interest rates and compensation when contracts are rescinded, using the BPI-Family Savings Bank case as a guide.