oblicon cases - march 12

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Republic of the Philippines SUPREME COURT Manila FIRST DIVISION G.R. No. L-50008 August 31, 1987 PRUDENTIAL AN!, petitioner, vs. "ONORALE DOMINGO D. PANIS, P#$s%&%'g (u&g$ o) #*'+ III, Cou#t o) %#st I'st*'+$ o) */*$s *'& Oo'g*2o C%t4 ERNANDO MAGCALE TEODULA ALU6UT-MAGCALE, respondents. PARAS, J.: This is a petition for revie on certiorari of the Nove!ber "#, "$%& Decision of the then 'ourt of First Instance of (a!bales and Olon)apo 'it* in 'i vil 'ase No. +#- entitled /Spouses Fernando 0. Ma)cale and Teodula 1alu*ut-Ma)cale vs. 2on. Ra!on 3. Pardo and Prudential 1an4/ declarin) that the deeds of real estate !ort)a)e e5ecuted b* respondent spouses in favor of petitioner ban4 are null and void. The undisputed facts of this case b* stipulation of the parties are as follos6 ... on Nove!ber "$, "$%", plaintiffs-spouses Fernando 0. Ma)cale and Te odula 1alu*ut Ma)cale secured a loan in the su! of P%,. fro! the defendant Prudential 1an4. To secur e pa*!ent of this loan, plaintiffs e5ecuted in favor of defendant on the aforesaid date a deed of Real 7state Mort)a)e over the folloin) described properties6 l. 0 +-STOR73 , S7MI-'ON'R7T7, residential buildin) ith arehouse spaces containin) a total floor area of +8# s9. !eters, !ore or less, )enerall* constructed of !i5ed hard ood and concrete !aterials, under a roofin) of cor. ). i. sheets: declared and assessed in the na!e of F7RN0NDO M0;'0<7 under Ta 5 Declaration No. +"" $, issued b* the 0ssessor of Olon)apo 'it* ith an assessed value of P#=,+$.. This buildin) is the onl* i!prove!ent of the lot. +. T27 PROP7RT3 hereb* conve*ed b* a* of MORT;0;7 includes the ri)ht of occupanc* on the lot here the above propert* is erected, and !ore particularl* described and bounded, as follos6 0 f irst class residential land Ident ffied as <ot No. %+, >Ts -#&, Olon)apo T onsite Subdivision? 0rdoin Street, 7ast 1a@ac-1a@ac, Olon)apo 'it*, containin) an area of 8= s9. !. !ore or less, declared and assessed in the na!e of F7RN0NDO M0;'0<7 under Ta 5 Duration No. "$=$= issued b* the 0ssessor of Olon)apo 'it* ith an assessed value of P",&8.: bounded o n the NORT26 1* No. 8, 0rdoin Street SOAT26 1* No. +, 0rdoin Street 70ST6 1* #% 'anda Street, and B7ST6 1* 0rdoin Street. 0ll corners of the lot !a r4ed b* conc. c*lindrical !onu!ents of the 1ureau of <ands as visible li!its. > 75hibit /0, / also 75hibit /"/ for defendant?. 0part fro! the stip ulations in the printed portion of t he aforestated deed of !ort) a)e, there appears a rider t*ped at t he botto! of the reverse side of the docu!ent under the lists of the properties !ort)a)ed hich reads, as follos6 0ND IT IS FART 27R 0;R77D that in the event the Sales Patent on the lot applied for b* the Mort)a)ors as herein stated is released or issued b* the 1ureau of <ands, the Mort)a)ors hereb* authoriCe the

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