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                    [ArticleID] => 1908701
                    [Title] => Annotation sa Real Estate Mortgage
                    [Summary] => Nag-loan ko og kwarta sa usa ka lending company og ang akong house and lot maoy akong gihimong collateral.
                    [DatePublished] => 2019-04-10 00:00:00
                    [ColumnID] => 134615
                    [Focus] => 1
                    [AuthorID] => 1146974
                    [AuthorName] => Atty. Divine Flores
                    [SectionName] => Banat Opinyon
                    [SectionUrl] => opinyon
                    [URL] => 
                )

            [1] => Array
                (
                    [ArticleID] => 1516665
                    [Title] => Unsaon pagdawat og prenda?
                    [Summary] => 
Dunay yuta ug kalubihan nga iprenda ngari nako sa tag-iya. Unsa may husto nga paagi pagdawat og prenda? Unsay dokumento nga among pirmahan ug unsa nga dokumento nga angayan nako nga kuhaon sa tag-iya?

                    [DatePublished] => 2015-10-30 10:00:00
                    [ColumnID] => 134615
                    [Focus] => 0
                    [AuthorID] => 1146974
                    [AuthorName] => Atty. Divine Flores
                    [SectionName] => Banat Opinyon
                    [SectionUrl] => opinyon
                    [URL] => 
                )

            [2] => Array
                (
                    [ArticleID] => 1417561
                    [Title] => Interested party
                    [Summary] => 
This is a case where an interested third party paid the debt of another. It is a case of a couple Gerry and Gina and their friend Romy.

                    [DatePublished] => 2015-01-28 00:00:00
                    [ColumnID] => 133340
                    [Focus] => 0
                    [AuthorID] => 1804883
                    [AuthorName] => Jose C. Sison
                    [SectionName] => Opinion
                    [SectionUrl] => opinion
                    [URL] => 
                )

            [3] => Array
                (
                    [ArticleID] => 1357012
                    [Title] => Interested party
                    [Summary] => 
This case of the spouses Ben and Lina is quite rare as it involves the payment of their indebtedness by another entity.

                    [DatePublished] => 2014-08-13 00:00:00
                    [ColumnID] => 133340
                    [Focus] => 0
                    [AuthorID] => 1804883
                    [AuthorName] => Jose C. Sison
                    [SectionName] => Opinion
                    [SectionUrl] => opinion
                    [URL] => 
                )

            [4] => Array
                (
                    [ArticleID] => 950353
                    [Title] => Comprehensive
                    [Summary] => 
Can a property mortgaged as collateral for the loan of a borrower from a bank be foreclosed for the other unpaid obligation of the said borrower from the same bank? This is the issue raised and answered in this case of a manufacturer and exporter of fuel products (EII).

                    [DatePublished] => 2013-06-05 00:00:00
                    [ColumnID] => 133342
                    [Focus] => 0
                    [AuthorID] => 1804883
                    [AuthorName] => Jose C. Sison
                    [SectionName] => Opinion
                    [SectionUrl] => opinion
                    [URL] => 
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            [5] => Array
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                    [ArticleID] => 659436
                    [Title] => Brazen betrayal of public trust
                    [Summary] => 
Judges should observe the standards of independence, integrity, impartiality, propriety and the appearance of propriety in the exercise of their functions and performance of duties.
                    [DatePublished] => 2011-02-22 00:00:00
                    [ColumnID] => 133340
                    [Focus] => 0
                    [AuthorID] => 1804883
                    [AuthorName] => Jose C. Sison
                    [SectionName] => Opinion
                    [SectionUrl] => opinion
                    [URL] => 
                )

            [6] => Array
                (
                    [ArticleID] => 280353
                    [Title] => Walang babaguhin
                    [Summary] => SI Fred ay presidente ng AF Company na gumagawa ng mga pagkaing pangkalusugan. Upang maglunsad ng proyekto sa produksiyon ng nasabing pagkain, humiling si Fred sa isang Credit Company (CMI) na pautangin siya at ang AF.  Napagkasunduan nila na ang halaga ng utang ay maaring umabot sa P4 million.  Kaya nagsumite  si Fred sa CMI ng aplikasyon at nilakip niya rito ang resolution ng Board of Directors ng AF na binigyan siya ng kapangyarihang umutang ng hindi hihigit sa P2.2 million.  Ipinasa ng CMI ang aplikasyon ni Fred at AF sa kanilang kasaping banko, ang SBM.


                    [DatePublished] => 2005-06-04 00:00:00
                    [ColumnID] => 134393
                    [Focus] => 0
                    [AuthorID] => 1804883
                    [AuthorName] => Jose C. Sison
                    [SectionName] => PSN Opinyon
                    [SectionUrl] => opinyon
                    [URL] => 
                )

            [7] => Array
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                    [ArticleID] => 274608
                    [Title] => Nothing to change
                    [Summary] => Novation is one of the modes of extinguishing an obligation through its substitution or change by a subsequent one which extinguishes or modifies the first, either by changing the object or principal conditions, or, by substituting another in place of the debtor, or by subrogating a third person in the rights of the creditor. Obviously, it contemplates two obligations, the old and the new. This is illustrated in this case of Fred.


                    [DatePublished] => 2005-04-20 00:00:00
                    [ColumnID] => 133340
                    [Focus] => 0
                    [AuthorID] => 1804883
                    [AuthorName] => Jose C. Sison
                    [SectionName] => Opinion
                    [SectionUrl] => opinion
                    [URL] => 
                )

            [8] => Array
                (
                    [ArticleID] => 100882
                    [Title] => Pag-IBIG, SHDA ready CTS loan rules
                    [Summary] => 

The Home Development Mutual Fund (Pag-IBIG Fund), in close consultation with
the Subdivision and Housing Developers Association (SHDA), is finalizing and
set to issue the implementing guidelines for this year's housing loan program
for Pag-IBIG members using subdivision developers as loan conduits or
originators under the newly-adopted Contract-to-Sell (CTS) system.

Called the CTS 2000 scheme, the alternative take-out mechanism is for Pag-IBIG
housing loans to be granted and subsequently delivered by developers to
Pag-IBIG Fund starting this month, according to Mariano D.
                    [DatePublished] => 2000-02-28 00:00:00
                    [ColumnID] => 133272
                    [Focus] => 0
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => 
                )

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)

Real Estate Mortgage

Array
(
    [results] => Array
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            [0] => Array
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                    [ArticleID] => 1908701
                    [Title] => Annotation sa Real Estate Mortgage
                    [Summary] => Nag-loan ko og kwarta sa usa ka lending company og ang akong house and lot maoy akong gihimong collateral.
                    [DatePublished] => 2019-04-10 00:00:00
                    [ColumnID] => 134615
                    [Focus] => 1
                    [AuthorID] => 1146974
                    [AuthorName] => Atty. Divine Flores
                    [SectionName] => Banat Opinyon
                    [SectionUrl] => opinyon
                    [URL] => 
                )

            [1] => Array
                (
                    [ArticleID] => 1516665
                    [Title] => Unsaon pagdawat og prenda?
                    [Summary] => 
Dunay yuta ug kalubihan nga iprenda ngari nako sa tag-iya. Unsa may husto nga paagi pagdawat og prenda? Unsay dokumento nga among pirmahan ug unsa nga dokumento nga angayan nako nga kuhaon sa tag-iya?

                    [DatePublished] => 2015-10-30 10:00:00
                    [ColumnID] => 134615
                    [Focus] => 0
                    [AuthorID] => 1146974
                    [AuthorName] => Atty. Divine Flores
                    [SectionName] => Banat Opinyon
                    [SectionUrl] => opinyon
                    [URL] => 
                )

            [2] => Array
                (
                    [ArticleID] => 1417561
                    [Title] => Interested party
                    [Summary] => 
This is a case where an interested third party paid the debt of another. It is a case of a couple Gerry and Gina and their friend Romy.

                    [DatePublished] => 2015-01-28 00:00:00
                    [ColumnID] => 133340
                    [Focus] => 0
                    [AuthorID] => 1804883
                    [AuthorName] => Jose C. Sison
                    [SectionName] => Opinion
                    [SectionUrl] => opinion
                    [URL] => 
                )

            [3] => Array
                (
                    [ArticleID] => 1357012
                    [Title] => Interested party
                    [Summary] => 
This case of the spouses Ben and Lina is quite rare as it involves the payment of their indebtedness by another entity.

                    [DatePublished] => 2014-08-13 00:00:00
                    [ColumnID] => 133340
                    [Focus] => 0
                    [AuthorID] => 1804883
                    [AuthorName] => Jose C. Sison
                    [SectionName] => Opinion
                    [SectionUrl] => opinion
                    [URL] => 
                )

            [4] => Array
                (
                    [ArticleID] => 950353
                    [Title] => Comprehensive
                    [Summary] => 
Can a property mortgaged as collateral for the loan of a borrower from a bank be foreclosed for the other unpaid obligation of the said borrower from the same bank? This is the issue raised and answered in this case of a manufacturer and exporter of fuel products (EII).

                    [DatePublished] => 2013-06-05 00:00:00
                    [ColumnID] => 133342
                    [Focus] => 0
                    [AuthorID] => 1804883
                    [AuthorName] => Jose C. Sison
                    [SectionName] => Opinion
                    [SectionUrl] => opinion
                    [URL] => 
                )

            [5] => Array
                (
                    [ArticleID] => 659436
                    [Title] => Brazen betrayal of public trust
                    [Summary] => 
Judges should observe the standards of independence, integrity, impartiality, propriety and the appearance of propriety in the exercise of their functions and performance of duties.
                    [DatePublished] => 2011-02-22 00:00:00
                    [ColumnID] => 133340
                    [Focus] => 0
                    [AuthorID] => 1804883
                    [AuthorName] => Jose C. Sison
                    [SectionName] => Opinion
                    [SectionUrl] => opinion
                    [URL] => 
                )

            [6] => Array
                (
                    [ArticleID] => 280353
                    [Title] => Walang babaguhin
                    [Summary] => SI Fred ay presidente ng AF Company na gumagawa ng mga pagkaing pangkalusugan. Upang maglunsad ng proyekto sa produksiyon ng nasabing pagkain, humiling si Fred sa isang Credit Company (CMI) na pautangin siya at ang AF.  Napagkasunduan nila na ang halaga ng utang ay maaring umabot sa P4 million.  Kaya nagsumite  si Fred sa CMI ng aplikasyon at nilakip niya rito ang resolution ng Board of Directors ng AF na binigyan siya ng kapangyarihang umutang ng hindi hihigit sa P2.2 million.  Ipinasa ng CMI ang aplikasyon ni Fred at AF sa kanilang kasaping banko, ang SBM.


                    [DatePublished] => 2005-06-04 00:00:00
                    [ColumnID] => 134393
                    [Focus] => 0
                    [AuthorID] => 1804883
                    [AuthorName] => Jose C. Sison
                    [SectionName] => PSN Opinyon
                    [SectionUrl] => opinyon
                    [URL] => 
                )

            [7] => Array
                (
                    [ArticleID] => 274608
                    [Title] => Nothing to change
                    [Summary] => Novation is one of the modes of extinguishing an obligation through its substitution or change by a subsequent one which extinguishes or modifies the first, either by changing the object or principal conditions, or, by substituting another in place of the debtor, or by subrogating a third person in the rights of the creditor. Obviously, it contemplates two obligations, the old and the new. This is illustrated in this case of Fred.


                    [DatePublished] => 2005-04-20 00:00:00
                    [ColumnID] => 133340
                    [Focus] => 0
                    [AuthorID] => 1804883
                    [AuthorName] => Jose C. Sison
                    [SectionName] => Opinion
                    [SectionUrl] => opinion
                    [URL] => 
                )

            [8] => Array
                (
                    [ArticleID] => 100882
                    [Title] => Pag-IBIG, SHDA ready CTS loan rules
                    [Summary] => 

The Home Development Mutual Fund (Pag-IBIG Fund), in close consultation with
the Subdivision and Housing Developers Association (SHDA), is finalizing and
set to issue the implementing guidelines for this year's housing loan program
for Pag-IBIG members using subdivision developers as loan conduits or
originators under the newly-adopted Contract-to-Sell (CTS) system.

Called the CTS 2000 scheme, the alternative take-out mechanism is for Pag-IBIG
housing loans to be granted and subsequently delivered by developers to
Pag-IBIG Fund starting this month, according to Mariano D.
                    [DatePublished] => 2000-02-28 00:00:00
                    [ColumnID] => 133272
                    [Focus] => 0
                    [AuthorID] => 
                    [AuthorName] => 
                    [SectionName] => Business
                    [SectionUrl] => business
                    [URL] => 
                )

        )

)

abtest

Annotation sa Real Estate Mortgage

By Atty. Divine Flores | April 10, 2019 - 12:00am

Nag-loan ko og kwarta sa usa ka lending company og ang akong house and lot maoy akong gihimong collateral.

Banat Opinyon

Unsaon pagdawat og prenda?

By Atty. Divine Flores | October 30, 2015 - 10:00am

Dunay yuta ug kalubihan nga iprenda ngari nako sa tag-iya. Unsa may husto nga paagi pagdawat og prenda? Unsay dokumento nga among pirmahan ug unsa nga dokumento nga angayan nako nga kuhaon sa tag-iya?

Banat Opinyon

Interested party

By A LAW EACH DAY (KEEPS TROUBLE AWAY) | By Jose C. Sison | January 28, 2015 - 12:00am

This is a case where an interested third party paid the debt of another. It is a case of a couple Gerry and Gina and their friend Romy.

Opinion

Interested party

By A LAW EACH DAY (KEEPS TROUBLE AWAY) | By Jose C. Sison | August 13, 2014 - 12:00am

This case of the spouses Ben and Lina is quite rare as it involves the payment of their indebtedness by another entity.

Opinion

Comprehensive

By Jose C. Sison | June 5, 2013 - 12:00am

Can a property mortgaged as collateral for the loan of a borrower from a bank be foreclosed for the other unpaid obligation of the said borrower from the same bank? This is the issue raised and answered in this case...

Opinion

Brazen betrayal of public trust

By A LAW EACH DAY (KEEPS TROUBLE AWAY) | By Jose C. Sison | February 22, 2011 - 12:00am

Judges should observe the standards of independence, integrity, impartiality, propriety and the appearance of propriety in the exercise of their functions and performance of duties.

Opinion

Walang babaguhin

By Jose C. Sison | June 4, 2005 - 12:00am

SI Fred ay presidente ng AF Company na gumagawa ng mga pagkaing pangkalusugan. Upang maglunsad ng proyekto sa produksiyon ng nasabing pagkain, humiling si Fred sa isang Credit Company (CMI) na pautangin siya at ang...

PSN Opinyon

Nothing to change

By A LAW EACH DAY (KEEPS TROUBLE AWAY) | By Jose C. Sison | April 20, 2005 - 12:00am

Novation is one of the modes of extinguishing an obligation through its substitution or change by a subsequent one which extinguishes or modifies the first, either by changing the object or principal conditions,...

Opinion

Pag-IBIG, SHDA ready CTS loan rules

February 28, 2000 - 12:00am

The Home Development Mutual Fund (Pag-IBIG Fund), in close consultation with the Subdivision and Housing Developers Association (SHDA), is finalizing and set to issue the implementing guidelines for this year's...

Business