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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Unconscionable Interest: The Limits of Contractual Freedom in Philippine Loans
Philippine courts can strike down unconscionable interest rates in loan agreements. Learn the rules on excessive interest and how borrowers are protected.
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.
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.
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.
Usury Law and Mortgage Foreclosure: Protecting Borrowers From Excessive Interest
When a loan's hidden interest exceeds the Usury Law's 12% cap, the mortgage securing it may be void, and foreclosure invalid.
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.