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 on Just Compensation in Philippine Expropriation: The Tamparong Rule
The Supreme Court clarifies the legal interest rates on unpaid just compensation in expropriation cases, protecting landowners' property rights.
Expropriation and Just Compensation: Understanding Legal Interest in Philippine Law
The Supreme Court clarifies the legal interest rates landowners can claim when the government delays payment of just compensation in expropriation cases.
Just Compensation in Expropriation: Lessons from the Jaro Floodway Case
The Supreme Court clarifies how just compensation is determined in expropriation cases, including the role of zonal values and interest rates.
Solidary Liability and Interest Rates in Philippine Partnerships: Key Lessons from a Supreme Court Ruling
A look at a Supreme Court ruling on solidary liability, novation, and unconscionable interest rates in business loans and partnerships.
Unconscionable Interest Rates and Jurisdictional Amount in Loan Agreements
When does accrued interest count toward the jurisdictional amount? The Supreme Court clarifies in Domasian v. Demdam.
Navigating Unconscionable Interest Rates in Loan Agreements: A Guide for Borrowers
The Supreme Court affirms that courts may reduce unconscionable interest rates that violate the mutuality of contracts principle.
Loan Agreements and Interest Rates: Lessons from a Philippine Supreme Court Ruling
A Philippine Supreme Court ruling clarifies when banks may impose penalty charges and compound interest under loan restructuring agreements.
Understanding Just Compensation in Philippine Expropriation: Landmark Ruling on Interest Rates
The Supreme Court clarifies when legal interest accrues on unpaid just compensation in expropriation cases, citing Republic v. Heirs of Francisco.
Credit Card Debt in the Philippines: Interest Rates, Obligations, and the Uysipuo Ruling
The Supreme Court clarifies how credit card interest rates are computed and when courts can reduce unconscionable charges.
Just Compensation Interest Rates and Payment Delays in Agrarian Reform
Learn how the Supreme Court rules on interest for delayed agrarian reform compensation, including the reckoning date and applicable rates.
Unconscionable Interest Rates: When 5% Monthly Loan Interest Is Void in the Philippines
Philippine courts void unconscionable loan interest rates even if borrowers agreed to them. Learn the rules, the legal interest substitute, and foreclosure effects.
Mutuality of Contracts: When Banks Cannot Unilaterally Change Interest Rates
Philippine Supreme Court ruling on banks' unilateral interest rate hikes violating mutuality of contracts under Article 1308, Civil Code.
Taming Unconscionable Interest: Reassessing Loan Obligations and Attorney's Fees in Philippine Law
The Supreme Court clarifies how courts temper unconscionable loan interest rates and when attorney's fees may be awarded in foreclosure cases.
Just Compensation and Legal Interest in Expropriation: What Property Owners Should Know
Philippine Supreme Court clarifies interest rates on unpaid just compensation in expropriation cases, protecting property owners' rights.
Credit Card Debt: Unconscionable Interest Rates and the Duty to Respond
The Supreme Court clarifies when credit card interest rates are unconscionable and why borrowers must answer lawsuits on time.
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.
Cooperative Debt Collection: Jurisdiction, Authority, and Interest Rates Explained
Learn how the Supreme Court ruled on cooperative debt collection, officer authority, and interest rate reductions in Fausto v. Multi Agri-Forest.
Mutuality of Contracts: Banks Cannot Unilaterally Raise Interest Rates Without Borrower Consent
Philippine Supreme Court ruling on why banks cannot unilaterally increase loan interest rates without borrower consent, citing mutuality of contracts principle.
Pactum Commissorium: When Mortgage Agreements Unfairly Benefit Lenders
Philippine Supreme Court ruling on mortgage validity, unconscionable interest rates, and when borrowers cannot escape contractual obligations.
Unconscionable Interest Rates When Courts Intervene To Protect Borrowers
The Supreme Court reduced 60% annual charges in a lease dispute to 12% interest plus 6% penalty, citing Article 1229.
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.
Mutuality of Contracts: Banks Cannot Unilaterally Impose Interest Rate Hikes on Loans
Philippine National Bank v. Manalo clarifies that banks cannot unilaterally raise loan interest rates without borrower consent under Article 1308 of the Civil Code.