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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Equitable Mortgage vs Pacto de Retro: Protecting Borrowers From Unfair Loan Agreements
When is a "sale with right to repurchase" really a loan? The Supreme Court explains equitable mortgage and pactum commissorium.
Right to Repurchase Homestead Land: Key Supreme Court Ruling Explained
The Supreme Court reaffirms a homesteader's right to repurchase sold land within five years under Section 119 of the Public Land Act.
Equitable Mortgage vs Sale With Right to Repurchase: Redemption Rights and Prescription
Philippine Supreme Court clarifies when redemption periods apply in equitable mortgages versus sales with pacto de retro.
Foreclosure Sales and Repurchase Rights: Understanding Bank Discretion in Asset Disposition
Philippine Supreme Court clarifies that after the redemption period expires, former owners have no enforceable right to repurchase foreclosed property from the bank.
Homestead Rights Prevail: Reclassification of Land Does Not Extinguish Right to Repurchase
Learn how the Supreme Court protects homestead rights in expropriation, ruling on right-of-way measurement and just compensation.
Prescription and Land Ownership: Protecting the Rights of Long-Term Land Possessors
A Supreme Court ruling clarifies how the right to repurchase land works, when acceptance of a contract benefit is valid, and why builders on their own land need no protection.
Preserving Family Lands: The Right to Repurchase in Free Patent Cases
Learn how heirs can repurchase family land under free patents even after foreclosure, based on a 2008 Supreme Court ruling.
Equitable Mortgage Prevails Protecting Borrowers From Onerous Sale Agreements
Supreme Court rules a deed of sale with right to repurchase can be an equitable mortgage, protecting borrowers from onerous terms.
Equitable Mortgage vs Sale With Right to Repurchase: Price and Intent
When is a "sale with right to repurchase" really an equitable mortgage? The Supreme Court explains the role of price adequacy and intent.
Equitable Mortgage vs Pacto de Retro: Protecting Borrowers From Unfair Land Seizure
When is a "sale with right to repurchase" really a loan? The Supreme Court explains equitable mortgage protections for Filipino landowners.
Equitable Mortgage vs Pacto de Retro: Protecting Borrowers' Rights
When is a sale with right to repurchase actually an equitable mortgage? The Supreme Court explains the legal presumption protecting borrowers.
Equitable Mortgage vs Pacto de Retro Sale: Philippine Real Estate Security Rules
Philippine Supreme Court clarifies when a deed of sale with right to repurchase is actually an equitable mortgage, protecting borrowers from losing property.
Lost Chance to Repurchase: Understanding Time Limits in Property Sales with Right of Repurchase
The Supreme Court ruled that a vendor's right to repurchase property must be exercised within four years from the time the condition triggering it occurs.
Equitable Mortgage vs Sale with Right to Repurchase: Protecting Borrowers in Property Deals
When is a "sale with right to repurchase" actually an equitable mortgage? The Supreme Court explains the legal tests protecting vulnerable borrowers.
Expiration of Redemption Rights: Failure to Consign Full Payment Voids Repurchase of Unregistered Land
Philippine Supreme Court ruling on why a defective consignation fails to redeem property sold with right to repurchase, and the risks of buying unregistered land.
Homestead Redemption After Foreclosure: The 5-Year Right Under the Public Land Act
Homesteaders have a five-year right to repurchase foreclosed land under the Public Land Act, even after a bank consolidates title.
Equitable Mortgage vs. Sale With Right to Repurchase: Philippine Supreme Court Ruling
Philippine Supreme Court explains when a "sale with right to repurchase" is actually an equitable mortgage, protecting borrowers from unfair foreclosure.
Equitable Mortgage vs Pacto de Retro Sale: Protecting Property Rights in the Philippines
Philippine Supreme Court ruling on when a sale with right to repurchase is actually an equitable mortgage, protecting property owners from unfair transactions.
Void Sales and Repurchase Agreements: Property Rights in the Philippines
When a seller has no title, the sale is void—and so is any right to repurchase. Learn the rules from a Supreme Court case.
Equitable Mortgage vs. Pacto de Retro Sale: When a "Sale" Is Really a Loan
Philippine law presumes certain "sales with right to repurchase" are equitable mortgages, protecting borrowers from unfair lending arrangements.