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CREDIT TRANSACTION

LOAN

ART 1249G.R. No. 175490 September 17, 2009

MACALINAO v !"I

I# $t Comp%&$#t, repo#'e#t !"I or$($#&%%) $mpoe' t*e $#teret ' pe#&%t) +*&r(e &t t*e r&te o

9.25- per mo#t* or 111- per #m /*$+* /& 'e+%&re' & #+o#+$o#&b%e b) t*e %o/er +ort or

be$#( +%e&r%) e+e$ve, ' /& t* re'+e' to 2- per mo#t* or 24- per #m bt /*$+* t*e CAmo'$$e' $#+re&e' t*em to - per mo#t* or - per #m b&e' o# t*e Term ' Co#'$t$o#

Gover#$#( t*e I+e ' 3e o t*e !"I Cre'$t C&r', /*$+* (over# t*e tr&+t$o# bet/ee#

pet$t$o#er M&+&%$#&o ' repo#'e#t !"I. T*e +ort m&) re'+e t*e $#teret r&te & re&o# ' e$t)'em', or t$p%&t$o# 'em'$#( $#teret e+e$ve, $#$$to, #+o#+$o#&b%e ' eorb$tt

$#teret r&te &re vo$' or be$#( +o#tr&r) to mor&%, $ #ot &(&$#t t*e %&/.

TO"IC COMMODAT3MG.R. No. L60294695, 15 SCRA 515 , September 21, 19

CAT8OLIC ICAR v. CA

"r$v&te repo#'e#t /ere &b%e to prove t*&t t*e$r pre'e+eor: *oe /& borro/e' b) pet$t$o#er $+&r

&ter t*e +*r+* ' t*e +o#ve#t /ere 'etro)e' ' &%%o/e' t*e pet$t$o#er or $t ree e, pet$t$o#er

*o/ever +%&$m o/#er*$p. ;*e# repo#'e#t &%%o/e' t*e ree e o t*e propert) t*e) be+&meb&$%or $# +ommo'&tm ' t*e pet$t$o#er t*e b&$%ee ' t*e b&$%ee: &$%re to retr# t*e beep $t %o#(er t* t*e per$o' t$p%&te' ' $ t*e t*$#( %oe' *& bee# 'e%$vere' /$t* &ppr&$&% o

$t v&%e, #%e t*ere $ & t$p%&t$o# eempt$#( t*e b&$%ee rom repo#$b$%$t) $# +&e o & ort$to

eve#t.

G.R. No. L6249 Apr$% 27, 1972

SA3RA v. D!"

T*e tr$&% +ort re#'ere'

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o t*e +o#tr&+t.

G.R. No. L6449 De+ember 29, 19

8ERRERA v. "ETRO"8IL COR"ORATION

"rt to & +o#tr&+t, t*e 'ee#'t6&ppe%%ee p&$' to t*e p%&$#t6&ppe%%t &'v+e re#t&% or t*e $rt

e$(*t )e&r, btr&+t$#( t*ererom t*e &mo#t o t*e $#teret or '$+o#t or t*e $rt e$(*t )e&r,"%&$#t$6&ppe%%t $#$t t*&t t*e %o/er +ort erre' $# t*e +ompt&t$o# o t*e $#teret +o%%e+te' ot o

t*e re#t&% p&$' or t*e $rt e$(*t )e&r? t*&t +* $#teret /& e+e$ve ' v$o%&t$ve o t*e 3r)

L&/. T*e +o#tr&+t bet/ee# t*e p&rt$e $ o#e o %e&e ' #ot o %o $#+e t*e prov$$o# or t*ep&)me#t o re#t&% $# &'v+e +#ot be +o#tre' & & rep&)me#t o & %o be+&e t*ere /& #o (rt

or orbe&r+e o mo#e) & to +o#t$tte $#'ebte'#e o# t*e p&rt o t*e %eor, *e#+e r) %&/ /$%%

#ot &pp%). @ Ce#tr&% !> C$r+%&r No. 905, $e' b) t*e C!6M! $# 192, pe#'e'B A+t No. 255,or t*e 3S3R L&/ o 191

G.R. No. L60705 #e 2, 199INTEGRATED REALT COR"ORATION v "N!

O!M +o#te#' t*&t $t *&' &(ree' to p&) $#teret o#%) p to t*e '&te o m&tr$t) o t*e +ert$$+&te ot$me 'epo$t ' t*&t repo#'e#t Sto $ #ot e#t$t%e' to $#teret &ter t*e m&tr$t) '&te *&' ep$re',

#%e t*e +o#tr&+t &re re#e/e'. ;*e# repo#'e#t $#vete' *$ mo#e) $# t$me 'epo$t /$t* O!M

t*e) e#tere' $#to & +o#tr&+t o $mp%e %o or mtm, #ot & +o#tr&+t o 'epo$t.

G.R. No. L620240 De+ember 1, 195

RE"3!LIC O= T8E "8ILI""INES v. GRIALDO

T*e &ppe%%t m&$#t&$# t*&t be+&e t*e %o /ere e+re' b) & +*&tte% mort(&(e o# t*e t'$#(

+rop o# & %' o/#e' b) *$m ' t*ee +rop /ere %ot or 'etro)e' t*ro(* e#em) &+t$o# *$

ob%$(&t$o# to p&) t*e %o /& t*ereb) et$#($*e'. T*e +*&tte% mort(&(e o# t*e +rop (ro/$#( o#&ppe%%t: %' $mp%) too' & & e+r$t) or t*e %$%%me#t o &ppe%%t: ob%$(&t$o#, /*$+* $ t*e

p&)me#t o t*e %o, ' t*e %o o t*e +rop '$' #ot et$#($* *$ ob%$(&t$o# to p&), be+&e *$

ob%$(&t$o#, & & $mp%e %o or mtm, /& to p&) & (e#er$+ t*$#(, t*e &mo#t o mo#e) /$t* $#teret.

G.R. No. L62559 O+tober 4, 1971

!RIONES v. CAMMAO, ET AL.Dee#'t +%&$m t*&t t*e tr$&% +ort erre' $# e#te#+$#( t*em to p&) t*e pr$#+$p&% o t*e %o

#ot/$t*t'$#( $t $#'$#( t*&t t*e &me /& t&$#te' /$t* r), ' erre' %$>e/$e $# #ot '$m$$#(

t*e +&e. I# $mp%e %o /$t* t$p%&t$o# o r$o $#teret, t*e pret&t$o# o t*e 'ebtor to p&) t*e

pr$#+$p&% 'ebt, /*$+* $ t*e +&e o t*e +o#tr&+t $ #ot $%%e(&%? t*e $%%e(&%$t) %$e o#%) & to t*epret&t$o# to p&) t*e t$p%&te' $#teret? *e#+e, be$#( ep&r&b%e, t*e %&tter o#%) *o%' be 'eeme' vo$',

$#+e $t $ t*e o#%) o#e t*&t $ $%%e(&%.

GR No. L649101 O+tober 24, 19

!ONNEIE v CA

"et$t$o#er &&$% t*e v&%$'$t) o t*e mort(&(e bet/ee# LoFo ' "b+om &r($#( t*&t o# t*e '&) t*e

'ee' /& ee+te' t*ere /& )et #o pr$#+$p&% ob%$(&t$o# to e+re, be+&e & t*e %o o "75,000.00

/& #ot re+e$ve' b) t*e LoFo poe, o t*&t $# t*e &be#+e o & pr$#+$p&% ob%$(&t$o#, t*ere $ /t

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o +o#$'er&t$o# $# t*e &++eor) +o#tr&+t, /*$+* +o#ee#t%) $mp&$r $t v&%$'$t) ' &t&%%) &e+t $t

ver) e$te#+e. A +o#tr&+t o %o be$#( & +o#e#&% +o#tr&+t, t*e *ere$# +o#tr&+t o %o /&

pere+te' &t t*e &me t$me t*e +o#tr&+t o mort(&(e /& ee+te' ' t*e &+t t*&t t*e %&tter '$' #ot

+o%%e+t rom t*e repo#'e#t !> t*e +o#$'er&t$o# o t*e mort(&(e o# t*e '&te $t /& ee+te' $$mm&ter$&%.

GR No. 144 #e , 2004"A3O v. CA

"& to pet$t$o#er to e+re & %o po# m&tr$t) repo#'e#t

epree' /$%%$#(#e to p&) reet$#( t*&t po# p&)me#t t*e *&re o to+> p%e'(e' be re%e&e', bt

pet$t$o#er 'e#$e' o# t*e (ro#' t*&t t*e %o *&' rem&$#e', ' 'r$#( ee+t$o#, t*e pet$t$o#er ree'

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to &++ept p&)me#t 'em'$#( t*&t $#teret be p&$'. T*e repo#'e#t m&) #ot be $# 'e&%t $# v$e/ o

t*e$r epree' /$%%$#(#e to p&) t*e &me po# 'em' ' t*e re&% o t*e pet$t$o#er to &++ept,

*o/ever, t*e$r te#'er o p&)me#t *o%' *&ve bee# proper%) +o#$(#e' /$t* t*e +ort, bt $t mt be

tree' t*&t t*e &ppropr$&te me&re or '&m&(e $# +&e o 'e%&) $# '$+*&r($#( ob%$(&t$o#+o#$t$#( o t*e p&)me#t o & m or mo#e), $ t*e p&)me#t o pe#&%t) $#teret &t t*e r&te &(ree' po#?

or t*e %e(&% $#teret, o#%) $ t*e) &re $# 'e&%t.

GR No. 7101602 September 0, 1991

TIO 8E C8IO v CA

"et$t$o#er et$o# t*e 'e+$$o# o t*e CA /*$+* et &$'e t*e %o/er +ort: 'e+$$o# &r($#( t*&t t*e

%&tter *& erre' $# $$#( t*e %e(&% $#teret o# 12- per #m r&t*er t* t*e m'&te' -, /*e# t*e

pet$t$o#er: *$ppe' b&( o $mporte' $*me&%$#re' /$t* repo#'e#t $#r+e +omp) /ere o#'ot to be '&m&(e' t* re#'er$#( t*e $*me&% e%e. I t*e ob%$(&t$o# +o#$t $# t*e p&)me#t o &

m o mo#e) ' t*e 'ebtor $#+r $# 'e%&), t*e $#'em#$t) or '&m&(e, t*ere be$#( #o t$p%&t$o# to

t*e +o#tr&r), *&%% be t*e p&)me#t o $#teret &(ree' po#, ' $# t*e &be#+e o t$p%&t$o#, t*e %e(&%

$#teret /*$+* $ - per #m.

GR No. 101444 M&) 9, 1995

AC ENTER"RISES INC v. CONSTR3CTION IND3STR AR!ITRATION COMMISSION

"et$t$o#er $#$t t*&t $t $ e#t$t%e' to t*e $#teret r&te o 12- per #m o# t*e mo#et&r) &/&r' ($ve#

t*em b) t*e Co#tr+t$o# I#'tr) Arb$tr&t$o# Comm$$o# @CIAC ' +o#te#' t*&t #'er Ee+t$veOr'er No. 100 '&te' =ebr&r) 4, 195 ' t*e R%e o "ro+e're Gover#$#( Co#tr+t$o#

Arb$tr&t$o#, &rb$tr&% &/&r' &re $#&% ' H$#&ppe&%&b%e @$+H ' prt to or r%$#( $# E&ter#

S*$pp$#( L$#e, I#+. v. Cort o Appe&%, mo#et&r) &/&r' $# &%%

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12-. bt t*e CA +%&r$$e' t*&t t*e mort(&(e +o%' o#%) +over t*oe %o +o#tr&+t t*&t /ere epre%)

t&t$#( o, ' t*&t p&)me#t o t*e pr$#+$p&% ob%$(&t$o# 1- per #m *&%% '$+*&r(e t*e propert)

mort(&(e. Se+t$o# 2, R%e o t*e R%e o Cort prov$'e t*&t I po# t*e tr$&% $# +* &+t$o#

@ore+%ore or p&)me#t or &%e t*e +ort *&%% $#' t*e &+t et ort* $# t*e +omp%&$#t to be tre, $t*&%% &+ert&$# t*e &mo#t 'e to t*e p%&$#t$ po# t*e mort(&(e 'ebt or ob%$(&t$o#, $#+%'$#( $#teret

' ot*er +*&r(e & &pprove' b) t*e +ort, ' +ot, *e#+e t*e p&)me#t o t*e pr$#+$p&% &mo#t '

t*e $#teret p% ot*er $#+$'e#t&% +ot /o%' '$+*&r(e t*e mort(&(e.