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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Upholding Mutuality in Loan Agreements: Scrutinizing Interest Rate Adjustments
The Supreme Court clarifies when a bank's interest rate adjustments in loan agreements are valid, reaffirming the principle of mutuality of contracts.
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.
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.
Unilateral Interest Rate Hikes When Banks Overstep Their Bounds In Loan Agreements
Philippine Supreme Court rules on void unilateral interest rate hikes by banks, mutuality of contracts, and foreclosure validity.
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.
Unilateral Lease Termination and Ejectment: Mutuality of Contracts in Philippine Law
Philippine Supreme Court ruling on when a lessor may unilaterally terminate a lease and file ejectment, and the limits of summary proceedings.
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.
Unilateral Interest Rate Setting in Loan Agreements: Mutuality of Contracts Under Philippine Law
Philippine Supreme Court ruling on unilateral interest rate setting in PNB loan agreements and the mutuality of contracts principle.
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.
Mutuality of Contracts When Banks Unilaterally Impose Interest Rates
Philippine Supreme Court ruling on when banks cannot unilaterally impose interest rates, and the legal interest that applies.
Mutuality of Contracts: Borrower's Right to Inspect Loan Sale Documents Under Rule 27
Supreme Court rules borrowers may compel production of loan sale agreements to verify consideration and exercise redemption rights under Article 1634.
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.
Mutuality of Contracts: The Limits of Bank Discretion in Setting Interest Rates
Philippine Supreme Court clarifies that unilateral interest rate setting violates mutuality of contracts, but the principal loan obligation remains valid and enforceable.
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.
UCPB Interest Rates, Mutuality of Contracts, and the Truth in Lending Act
Philippine Supreme Court ruling on void interest rates, mutuality of contracts, and Truth in Lending Act violations in bank lending.
Mutuality of Contracts: When One-Sided Termination Clauses in Employment Contracts Are Void
The Supreme Court explains when a termination clause that leaves dismissal to one party's sole judgment violates the mutuality principle under Article 1308 of the Civil Code.
Contractual Obligations Mutuality AND Modification IN Commission Disputes
Learn how the Supreme Court applied the mutuality of contracts principle in a commission dispute, protecting a manager's right to earned franchise fees.
Unilateral Interest Rate Hikes: Mutuality of Contracts Prevails in Loan Agreements
Philippine Supreme Court rules banks cannot unilaterally raise interest rates without borrower consent, citing mutuality of contracts principle.
Mutuality of Contracts: No Unilateral Price Escalation Without Clear Basis
Contractors cannot unilaterally raise prices without proof and written authority. The Supreme Court explains mutuality of contracts.
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.
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.
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.