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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Attorney-Client Loans Under the CPRA: When Borrowing From a Client Is Allowed
The Supreme Court clarifies when lawyers may borrow from clients under the CPRA, balancing ethical duties with legitimate commercial dealings.
GSIS Housing Loan Death Claims: When Insurance Lapses but Equity Survives
Philippine Supreme Court ruling on GSIS housing loans, Sales Redemption Insurance coverage, and heirs' right to restructure after a borrower's death.
GSIS Housing Loans and Insurance: Protecting Heirs' Rights After a Borrower's Death
A Supreme Court ruling on GSIS housing loans clarifies when Sales Redemption Insurance applies and how heirs can save a deceased borrower's property from cancellation.
Behest Loans in the Philippines: Understanding Anti-Graft Law and Due Diligence
Learn how Philippine courts define behest loans, the role of RA 3019, and why loan repayment does not erase potential graft liability.
Inter-Company Loans and VAT: When Interest Income Is Not Taxable
Philippine Supreme Court ruling clarifies when interest on inter-company loans is exempt from VAT and how prescription periods apply.
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.
Mutuality of Contracts and Foreclosure Rights in Philippine Loans
Philippine Supreme Court clarifies that void interest stipulations do not invalidate foreclosure when the principal debt remains unpaid.
Public Purpose in Government Loans to Private Entities: The Bawasanta Case
When can local governments lend public funds to private entities? The Supreme Court clarifies the public purpose rule in Bawasanta v. People.
Unveiling Simulated Contracts When Loans Mask True Intentions in Philippine Law
Philippine Supreme Court clarifies when credit line agreements are simulated contracts, and how courts uncover the true intent behind loan documents.
SALN Misdeclarations and Loans: When Public Officials Avoid Administrative Liability
Supreme Court clarifies when a public official's failure to fully declare assets in SALNs is not grave misconduct or dishonesty.
Blanket Mortgage Clauses: When Courts Protect Borrowers in Philippine Real Estate
A Supreme Court ruling shows when blanket mortgage clauses fail to cover new loans and why courts protect borrowers.
Lost Court Records and Prescription: Lessons from a Philippine Supreme Court Case
When loans and mortgages go uncollected for years, prescription can cancel them. A 2021 Supreme Court ruling explains how.
Grave Misconduct and Personal Loans: When Public Officials Cross Legal Lines
The Supreme Court clarifies when a public official's personal loan becomes grave misconduct, and the proper remedy to question Ombudsman dismissals.
Court Employees and Private Loans: When Public Office Creates a Conflict of Interest
A Supreme Court ruling explains when a court or government employee's private loan becomes an administrative offense, and the proper remedy for dismissed complaints.
Mortgagee in Good Faith: Protecting Banks and Borrowers in Property Transactions
Supreme Court ruling on mortgagee in good faith doctrine and banks' duty of diligence in property loans.
When Does Government Bidding Apply to Credit Programs? A Procurement Law Guide
The Supreme Court clarifies that government procurement rules do not apply to credit programs where the agency merely facilitates loans, not purchases.
Investment Contracts in Lending Businesses: Rights, Risks, and Recovery of Principal
A Supreme Court ruling clarifies when investors in lending businesses can recover their principal and how courts distinguish investments from loans and partnerships.
Surety Agreements and Solidary Liability: Lessons from a Philippine Loan Dispute
A Supreme Court ruling clarifies when sureties become liable for corporate loans and why economic crises do not excuse payment.
Compromise Agreements VS Mortgage Rights CAN Banks Foreclose After Restructuring Loans
Public Office vs Private Interests: When Loans Become Unlawful Under RA 6713
The Supreme Court clarifies when public officials violate RA 6713 by obtaining loans from cooperatives they regulate, and why membership rights do not exempt them.
CBA vs Company Policy: Protecting Employee Rights in SSS Loan Availment
Supreme Court rules company policy capping employee loans at 50% of pay violates CBA and Labor Code.
Legal Interest on Loans: When Courts Impose Compensatory Interest in the Philippines
Philippine Supreme Court clarifies when legal interest applies to unpaid loans, distinguishing monetary from compensatory interest under Nacar guidelines.
Behest Loans and Due Diligence: Protecting Public Funds From Graft
Supreme Court ruling on when government loans become graft, and why due diligence and business judgment protect public officials.
CBA vs Bank Policy: Protecting Workers' Rights Against Unilateral Loan Changes
Supreme Court rules banks cannot impose credit-check requirements on CBA salary loans without negotiating with the union first.