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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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.
Deposit Refunds Lease Obligations AND Interest Rates Under Philippine LAW
Upholding Contractual Obligations When Agreed Interest Rates Stand Firm
Unconscionable Interest Rates THE Supreme Courts Intervention IN Equitable Mortgages
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.
Upholding Contractual Obligations: The Binding Force of Agreed Interest Rates in Credit Transactions
Supreme Court ruling on agreed interest rates in credit sales, party autonomy, and limits on unconscionable charges.
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.
Mutuality of Contracts: The Limits of Unilateral Interest Rate Adjustments in Loan Agreements
Philippine Supreme Court ruling on when banks cannot unilaterally raise loan interest rates without borrower consent, citing mutuality of contracts.
UCPB Interest Rates, Mutuality of Contracts, and the Truth in Lending Act
Philippine Supreme Court ruling on void interest rates, mutuality of contracts, and Truth in Lending Act violations in bank lending.
Usury Law in the Philippines: When Courts Cut Excessive Interest Rates
The Supreme Court struck down a 48% annual interest rate as unconscionable in Bulos v. Yasuma, showing courts can reduce excessive loan interest even without the Usury Law.
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.
Unconscionable Interest Rates When Courts Intervene in Surety Bond Disputes
Philippine courts can reduce stipulated interest rates that balloon beyond the principal debt. Learn the rule from a 2006 surety bond case.
Contractual Obligations: When Agreed Interest Rates in Land Sales Are Upheld
The Supreme Court upheld a 24% annual interest rate in an installment land sale, ruling that parties are bound by their contract absent any legal prohibition.
Contractual Intent Prevails Interpreting Interest Rates in Loan Agreements Under Philippine Law
Philippine Supreme Court rules on how courts interpret interest rates in loan agreements, emphasizing that clear contractual terms prevail over alleged intent.
Novation Requires a Completely New and Valid Agreement: Loan Restructuring Lessons
The Supreme Court clarifies when restructuring a loan creates novation, and how usurious interest rates are treated under Philippine law.
Unilateral Interest Rate Hikes: Mutuality of Contracts Prevails in Loan Agreements
Philippine Supreme Court rules banks cannot unilaterally raise interest rates without borrower consent, citing mutuality of contracts principle.
Unconscionable Interest Rates When Loan Agreements Become Exploitative
When do monthly interest rates become illegal? The Supreme Court explains the limits of lender freedom in Cuaton v. Salud.
Illegitimacy, Inheritance Rights, and Marital Presumptions in Philippine Law
A Supreme Court ruling on paraphernal property, contract of adhesion, and unconscionable interest rates shows how Philippine law protects borrowers and spouses.
Contractual Obligations Upholding Agreed Upon Interest Rates in Construction Disputes
Philippine Supreme Court affirms 2% monthly interest on unpaid construction balance, enforcing contractual stipulations between owner and contractor.