20% interest sa pautang

anonymous
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Yung tungkol sa case namin. Kasi po umutang po yung parents ko sa isang doctor ng 300k tapos etong si doc po nangutang sa ibang tao para ipautang samin pero may 100k na interest so 400k na lahat payable in 5mos. Then di nakapagbayad yung parents ko nung 400k na yun kasi po nagkaproblema ako sa work tapos so Doc yunh yung nagbayad nung 400k then sabi ny sa kanya nlang kami magbayad pero may additional 10% interest daw. Then later on stable nako sa work nagbabayad ns kmi sa kanya tinanong nmin sya kung mgkano pa kulang nmin sa kanya, sabi nya 700k daw. Nagulat kami. Kasi pala gnawa nya nangutang sya sa ibang tao para mabayaran yung utang namin pero 20% interests yung mga yun. Without our knowledge umabot nz ng 700k yung utang. Na gusto nya kami magbayad. PERO po wala kaming any written arrangement naganun mangyayari kahit na yung sa first 300k walang kasulatan na ganun. Pero willing naman po kaming magbayad dun sa unang 300k na yun. Pero yung gusto nya 700k yung bayaran namin. Tama po ba ginagawa nya? Dba po bawal na magpautang yung mga tao without license and napakataas na interests? To think na doctor pa sya? Sana po masagot nyoko. Thankyou po and God Bless!

 

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Jescelyn Del Rosario
is a Legal expert in the Philippines
Hi, ayon sa Civil Code Art. 1956. No interest shall be due unless it has been expressly stipulated in writing. So, it is required by law na in a contract of loan, both parties agree about sa interest and dapat nakasulat kung magkano ang interest. It is prohibited by law kung pagbabayarin kayo ng interest na hindi naman pinag usapan at hindi nakasulat. Maaring maging depensa ninyo ito sakaling singilin kayo sa sinabing mong 700k o incase magpapafile sya ng kaso laban sa inyo. Hindi mo binanggit kung gaano na katagal since nagdefault o hindi kau nakabayad kasi ang lender ay entitled for monetary interest din naman. You entered into a contract of loan hindi naman kailangan licensya nito. Nangutang kayo dapat ninyong bayaran according to your agreement anything beyond that hindi kayo obligado. With the suspension of Usury Law ang parties in a contract of loan are free to agree magkano ang interest. Maari kayong kumunsulta ng isang abogado tungkol dito.

About the author

Jescelyn Del Rosario

Legal Services and Litigation works Philippine/Foreign Paralegal Works Graduated AB Political Science and Bachelor of Laws at University of San Jose Recoletos-Cebu Completed Lawyers Trial Academy Training sponsored by IBP Cebu Chapter AIT-DOST Scholar at Cebu Institute of Technology
Profession: Lawyer
MJ Del Rosario Law Office and Associates
Office Address: Block 19, lot 26-27, Deca Homes, Talisay
Philippines , Talisay , Cebu
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