Kung sang-ayon sa batas na makuha ang ilang bahagi ng isinanlang lupain sakaling magbigay ng paunang

DR. PERSIDA V. RUEDA-ACOSTA / MAGTANONG KAY ATTORNEY

Dear Chief Acosta,

Ako ay 47 years old at matagal nang negosyante. Kailangan ko ng malaking pera dahil sa personal na pangangailangan ng aking pamilya kaya isinanla ko ang aking tatlong lupain na minana ko pa sa aking mga magulang bilang security sa inutang ko sa bangko. Nais kong malaman kung maaari ko bang hilingin sa kanila na i-release ang isa sa mga lupain ko kung magbibigay ako ng partial o paunang bayad? Maraming sala­mat! — Jordan

Dear Jordan,

Para sa inyong kaalaman, ayon sa Article 2089 ng Civil Code of the Philippines:

“Art. 2089. A pledge or mortgage is indivisible, even though the debt may be divided among the successors in interest of the debtor or of the creditor.

Therefore, the debtor’s heir who has paid a part of the debt cannot ask for the proportionate extinguishment of the pledge or mortgage as long as the debt is not completely satisfied.

Neither can the creditor’s heir who received his share of the debt return the pledge or cancel the mortgage, to the prejudice of the other heirs who have not been paid.

From these provisions is excepted the case in which, there being several things given in mortgage or pledge, each one of these guarantees only a determinate portion of the credit.

The debtor, in this case, shall have a right to the extinguishment of the pledge or mortgage as the portion of the debt for which each thing is specially answerable is satisfied.”

Ipinaliwanag ng Kagalang-galang na Korte Suprema sa ) Philippine National Bank vs. Hon. Rustico de Los Reyes (G.R. No. 46898-99, 28 November 1989, Ponente: Honorable former Associate Justice Florenz Regalado) na:

“This also means that the debtor cannot ask for the release of any portion of the mortgaged property or of one or some of the several lots mortgaged unless and until the loan thus, secured has been fully paid, notwithstanding the fact that there has been a partial fulfillment of the obligation. Hence, it is provided that the debtor who has paid a part of the debt cannot ask for the proportionate extinguishment of the mortgage as long as the debt is not completely satisfied.”

Sang-ayon sa prinsipyo ng “Indivisibility of Mortgage”, hindi ninyo maaaring ipa-release ang bahagi ng inyong mortgaged property hanggang sa mabayaran ninyo nang buo ang inyong pagkakautang.

Nawa ay nasagot namin ang inyong katanungan. Nais naming ipaalala sa inyo na ang opinyong ito ay nakabase sa inyong mga naisalaysay sa inyong liham at sa pagkakaintindi namin dito. Maaaring maiba ang opinyon kung mayroong karagdagang impormas­yong ibibigay. Mas mainam kung personal kayong sasangguni sa abogado.

Maraming salamat sa patuloy ninyong pagtitiwala.