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AUTHORSHIP INFORMATION
Digest Author Grace Ann Tamboon

Topic Real Estate Mortgage Contracts With Security
CASE INFORMATION
Petitioner(s) JUANA DE LOS REYES
Respondent(s) IAC
Reference GR: 74768 August 11, 1989
Ponente CRUZ, J
DOCTRINE(S)
The rule on redemption is liberally interpreted in favor of the original owner of the property. The fact
alone that he is allowed the right to redeem clearly demonstrates the tenderness of the law toward
him in giving him another opportunity, should his fortunes improve, to recover his lost property. This
benign motivation would be frustrated by a too literal reading that would subordinate the warm spirit
of the rule to its cold language.
CASE SUMMARY
The petitioner obtained a loan in the amount of P3,000.00
from the Rural Bank of Bauan and secured the payment
thereof with a real estate mortgage on a piece of land
belonging to her. For her failure to pay the debt, the
Pertinent Facts mortgage was extrajudicially foreclosed, and the land was
sold at public auction to the private respondents for
P4,925.00 on April 29, 1976. The certificate of sale was
registered with the Register of Deeds of Batangas on May
4,1977.
On August 26, 1977, the private respondents filed a
complaint with the Court of First Instance of
Batangas asked the petitioner to vacate the property and
remove her improvements thereon. The
petitioner countered that the auction sale was irregular and
void and asked that the complaint be.
dismissed.
While this case was pending, the petitioner wrote a letter

dated April 1978, to the Provincial Sheriff of
Batangas tendering the amount of P4,925.00 plus interest
as the redemption price for the subject land.
In a reply dated April 26, 1978, the said officer refused to
accept the tender on the ground that the
period of redemption had already expired.
On February 8, 1982, the trial court, after holding that there
was no genuine issue on the material facts and that the
only question of law to be resolved was the timeliness of
the redemption, rendered a summary judgment in favor of
the private respondents. The petitioner appealed. Judge
Romeo R. Silva's decision was affirmed in toto by the
respondent court, which is now sought to be reversed in
this petition for review. This petition was originally denied
by the Court in a resolution dated October 6, 1986, for lack
of merit.
Thereafter, the petitioner filed a motion for reconsideration
in which he complained that his reply to the private
respondents' comment had not been taken into account
when the said resolution was issued. Filing of a reply is not
a matter of right and may be done only if required or
allowed by the Court; otherwise, it need not be considered
at all (especially if, as in this case, it was hardly legible).
Even so, in view of the serious issues raised in the said
motion, the Court resolved to direct the private
respondents to comment thereon (to which a reply was
submitted, followed by a rejoinder and then a sur-rejoinder
all without being required or permitted by the Court).
Finally, in our resolution dated September 22, 1987, we
decided to give due course to this petition and to require
the parties to submit simultaneous memoranda.
PROCEDURAL HISTORY
RTC rendered a summary judgment in favor of the private
RTC respondents
Whether or not the petitioners are entitled to the right of

Relevant Issue(s) redemption of the subject property?
Analysis The case involves a petitioner who obtained a loan and

secured it with a real estate mortgage, which was later
foreclosed and sold at public auction to the private
respondents. The petitioner challenged the auction sale,
but the trial court rendered a summary judgment in favor of
the private respondents. The petitioner appealed, and after
a series of motions, the Supreme Court decided to give
due course to the petition and required the parties to
submit simultaneous memoranda. The main issue to be
resolved is the timeliness of the redemption.
Yes. At this point, it is well to recall the following
pronouncements from this Court:
Ruling(s) & Rationale Finally, the appellant bank objects to the redemption on the
ground that the amount tendered is inadequate to meet the
redemption price. Considering, however, that the sum
tendered was the amount of the purchase price paid at the
auction sale and that the tender was timely made and in
good faith, we believe that the ends of justice would be
better served by affording the appellees the opportunity to
redeem the property by paying the bank the auction
purchase price plus 1% interest per month thereon up to
the time of redemption.
Considering that appellee tendered payment only of the
sum of P317.44, whereas the three parcels of land she
was seeking to redeem were sold for the sums of
Pl,240.00, P21,000.00, and P30,000.00, respectively, the
aforementioned amount of P 317.44 is insufficient to
effectively release the properties. However, the tender of
payment was timely made and in good faith; in the interest
of justice, we incline to give the appellee opportunity to
complete the redemption purchase of the three parcels, as
provided in Section 26, Rule 39 of the Rules of Court,
within fifteen (15) days from the time this decision
becomes final and executory. In this wise, justice is done
to the appellee who had been made to pay more than her
share in the judgment, without doing all injustice to the
purchaser who shall get the corresponding interest of 1 %
per month on the amount of as purchase up to the time of
redemption.
The rule on redemption is liberally interpreted in favor of
the original owner of the property. The fact alone that he is
allowed the right to redeem clearly demonstrates the
tenderness of the law toward him in giving him another
opportunity, should his fortunes improve, to recover his lost
property. This benign motivation would be frustrated by a
too literal reading that would subordinate the warm spirit of
the rule to its cold language.

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AUTHORSHIP INFORMATION

Digest Author Grace Ann Tamboon

While this case was pending, the petitioner wrote a letter

Whether or not the petitioners are entitled to the right of

Analysis The case involves a petitioner who obtained a loan and

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