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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When Is a Loan Interest Rate Unconscionable in the Philippines?
The Supreme Court explains when a monthly interest rate on a loan becomes unconscionable and void, and what rate applies instead.
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.
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.
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.
Written Stipulation Is Key: Enforceability of Loan Interest Agreements in the Philippines
Philippine Supreme Court clarifies when 12% interest applies versus 6% in construction disputes, emphasizing written stipulations.
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.
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 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: When Courts Step In to Protect Borrowers
Philippine courts can reduce excessive loan interest rates. Learn how the Supreme Court protected borrowers from unconscionable terms.
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.
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.
Bouncing Checks and Unconscionable Interest: BP 22 Liability in the Philippines
The Supreme Court clarifies when unconscionable loan interest affects criminal liability for bouncing checks under BP 22.
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.
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.