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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Interest Rate Clarity Ensuring Written Agreements Govern Loan Terms
The Supreme Court held that absent a written stipulation, a loan’s agreed interest rate stops at maturity, and 12% legal interest applies thereafter.
Interest Rate Agreements and Freedom of Contract: When Courts Uphold Agreed Rates
Philippine Supreme Court ruling on freedom of contract in interest rate agreements, and when courts will uphold stipulated rates despite claims of excessiveness.
Usury Law Suspension, Freedom to Contract, and Unconscionable Interest Rates in Loan Agreements
Philippine Supreme Court ruling on whether courts can reduce interest rates agreed upon by parties after the Usury Law suspension.
Unconscionable Interest Rates Balancing Lenders Rights AND Borrower Protection IN Mortgage Contracts
Floating Interest Rates and Trust Receipts: Solidbank Ruling on Bank Obligations and Corporate Liability
Philippine Supreme Court ruling on invalid floating interest rates, trust receipt transactions, and corporate officer liability in banking.
Equitable Reduction of Excessive Interests: Balancing Contractual Obligations and Fairness in Loan Agreements
Philippine Supreme Court ruling on reducing excessive interest rates in loan agreements, balancing contractual freedom with equity and fairness.
Escalation Clauses in Philippine Real Estate Mortgages: Limits and Borrower Rights
Philippine Supreme Court ruling on mortgage escalation clauses, unilateral interest rate hikes, and borrower rights to refunds.
Philippine Supreme Court Upholds Arbitration Finality and Limited Court Intervention
Explore how the Supreme Court affirmed arbitration finality under RA 876 while correcting interest rates and damages in National Steel Corp. v. E. Willkom Enterprises.
Legal Interest Rates in the Philippines: When Does 6% vs 12% Apply
Philippine Supreme Court clarifies when 6% or 12% legal interest applies—loans and forbearance versus other obligations. Learn the rules.
Credit Card Interest Rates and Escalation Clauses: What the Supreme Court Says
Philippine Supreme Court ruling on credit card interest escalation clauses, mutuality of contracts, and validity of variable rates.
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.
When Banks Cannot Unilaterally Raise Interest Rates: The Florendo Rule
The Supreme Court ruled that banks cannot unilaterally raise loan interest rates without a valid Central Bank issuance, upholding mutuality of contracts.
Loan Interest Rates CAN Banks Unilaterally Increase Them
Usury Law Interest Rates: When Courts Can Intervene in Stipulated Loan Interest
Philippine Supreme Court ruling on when courts can reduce stipulated interest rates on loans under the Usury Law and CB Circular 905.
Liability for Damage to Stored Goods: Negligence and Interest Rates Explained
A warehouse operator's negligence can mean paying for damaged goods. Learn the rules on liability and the correct interest rates.
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.
Unilateral Interest Rate Hikes When Banks Overstep Their Bounds
Philippine Supreme Court ruling on when banks cannot unilaterally raise loan interest rates, and the limits of escalation clauses.