Santo Law and Notarial Services

Santo Law and Notarial Services Lawyer | Professor | Notary Public

15/02/2026

First Legal Filing After Admission to the Bar:

"Petition for Notarial Commission." 🥹

📸 Photo credit in the comment section.

15/02/2026

"Hindi basta-basta ang pagkuha ng notarial commission.."

04/12/2025
Tip for Home Sellers! 🇵🇭Did you know a natural person selling their principal residence can be EXEMPT from the 6% Capita...
08/11/2025

Tip for Home Sellers! 🇵🇭

Did you know a natural person selling their principal residence can be EXEMPT from the 6% Capital Gains Tax (CGT)?

Here's the key:

- ​100% Usage: The entire sale proceeds must be used to acquire or construct a new principal residence.

- ​18-Month Window: This must happen within 18 calendar months from the date of the sale.

- ​BIR Notice: You must notify the Bureau of Internal Revenue (BIR) of your intent to avail of the exemption within 30 days from the sale!

​🚨 Important Details to Remember:

- ​Once Every 10 Years: You can only use this specific exemption once every ten (10) years.

- ​Proportional Tax: If you don't use the full proceeds, the unutilized portion is still subject to the 6% CGT.

​Why is this important? Generally, the seller is the one liable for the 6% CGT on real property sales, as guided by Section 24(D)(2) of the NIRC (RA 8424) and reaffirmed in Supreme Court jurisprudence (like Republic v. Soriano, 2015).

Note:

This content is for general informational and educational purposes only and is not formal legal advice. Because legal outcomes depend heavily on the specific facts of each case and applicable laws, viewing this content does not create an attorney-client relationship between us. For a confidential, precise, and tailored legal analysis of your unique matter, please contact me directly to discuss your case and schedule a formal consultation.

My car was damaged by the flood. Does that mean my car loan is gone too? 🚗💧 Unfortunately, no. Even if your financed car...
08/11/2025

My car was damaged by the flood. Does that mean my car loan is gone too? 🚗💧

Unfortunately, no. Even if your financed car is totally damaged or lost, the loan still continues, unless the bank agrees otherwise (like through dacion en pago).

Here’s why 👇

💡 The loan and the car are two different things.
Your loan is your promise to pay. The car is just the collateral (security). Losing the car doesn’t erase the debt.

💡 Insurance helps, but only up to what it covers.
If your vehicle was insured with “Acts of Nature (AON)” and the bank is named as loss payee, the insurance company will pay the bank, not you. That payment reduces your loan.

Example:
📊 Outstanding balance: ₱800,000
💰 Insurance proceeds: ₱650,000 (payable to bank)
➡️ You still owe ₱150,000 (plus any interest/charges)

💡 No AON coverage or claim denied?
You still have to pay the full balance. The bank can collect or foreclose.

💡 Tip:
Keep your insurance updated (with AON, if possible), report losses right away, and coordinate with your bank for claim filing and application of proceeds.

🧾 Bottom line:
Insurance helps pay off part of the loan, but unless the proceeds fully cover the balance, you’re still responsible for the remaining amount.

Note:
This content is for general informational and educational purposes only and is not formal legal advice. Because legal outcomes depend heavily on the specific facts of each case and applicable laws, viewing this content does not create an attorney-client relationship between us. For a confidential, precise, and tailored legal analysis of your unique matter, please contact me directly to discuss your case and schedule a formal consultation.

Tip for Home Sellers! 🇵🇭Did you know a natural person selling their principal residence can be EXEMPT from the 6% Capita...
08/11/2025

Tip for Home Sellers! 🇵🇭

Did you know a natural person selling their principal residence can be EXEMPT from the 6% Capital Gains Tax (CGT)?

Here's the key:

- ​100% Usage: The entire sale proceeds must be used to acquire or construct a new principal residence.

- ​18-Month Window: This must happen within 18 calendar months from the date of the sale.

- ​BIR Notice: You must notify the Bureau of Internal Revenue (BIR) of your intent to avail of the exemption within 30 days from the sale!

​🚨 Important Details to Remember:

- ​Once Every 10 Years: You can only use this specific exemption once every ten (10) years.

- ​Proportional Tax: If you don't use the full proceeds, the unutilized portion is still subject to the 6% CGT.

​Why is this important? Generally, the seller is the one liable for the 6% CGT on real property sales, as guided by Section 24(D)(2) of the NIRC (RA 8424) and reaffirmed in Supreme Court jurisprudence (like Republic v. Soriano, 2015).

Note:
This content is for general informational and educational purposes only and is not formal legal advice. Because legal outcomes depend heavily on the specific facts of each case and applicable laws, viewing this content does not create an attorney-client relationship between us. For a confidential, precise, and tailored legal analysis of your unique matter, please contact me directly to discuss your case and schedule a formal consultation.

Understanding FREE PATENTS in the Philippines 🇵🇭Did you know that you can acquire title to certain public lands through ...
06/11/2025

Understanding FREE PATENTS in the Philippines 🇵🇭

Did you know that you can acquire title to certain public lands through a Free Patent? 👩‍🌾🏠

A Free Patent is a mode of acquiring ownership over alienable and disposable (A&D) lands of the public domain by long-time occupants and cultivators who meet specific legal requirements.

👉 It’s a grant by the government, not a recognition of prior private ownership.

There are two types of Free Patents:

1. 🌱 Agricultural Free Patent (AFP) – under RA 11573

✅ Land must be A&D agricultural land
✅ Applicant must be a natural-born Filipino
✅ Occupied and cultivated for at least 20 years before filing
✅ Owns no more than 12 hectares
✅ Real property taxes must have been paid

2. 🏡 Residential Free Patent (RFP) – under RA 10023

✅ Land must be A&D and zoned as residential
✅ Actually occupied for at least 10 years by a Filipino citizen
✅ Area limits depend on the locality classification
✅ Land not needed for public use

⚠️ Important Reminders:

🔹 Always check land classification first! If it’s still timberland or not yet declared A&D, Free Patent laws won’t apply.
🔹 Proof of alienability is a must in titling proceedings.
🔹 For AFP → Show 20 years of cultivation and tax payments.
🔹 For RFP → Show 10 years of actual residential occupation and zoning compliance.

📜 Knowing these can help land occupants and homeowners secure legal ownership of the land they’ve long cared for.

Note:

This content is for general informational and educational purposes only and is not formal legal advice. Because legal outcomes depend heavily on the specific facts of each case and applicable laws, viewing this content does not create an attorney-client relationship between us. For a confidential, precise, and tailored legal analysis of your unique matter, please contact me directly to discuss your case and schedule a formal consultation.

⚖️ Crime and ConsequenceRico, a hit man, positioned himself at the rooftop of a nearby building of a bank, to serve as a...
29/10/2025

⚖️ Crime and Consequence

Rico, a hit man, positioned himself at the rooftop of a nearby building of a bank, to serve as a lookout for Red and Rod while the two were robbing the bank, as the three of them had previously planned. Ramiro, a policeman, responded to the reported robbery. Rico saw Ramiro and, to eliminate the danger of Red and Rod being caught, pulled the trigger of his rifle, intending to kill Ramiro. He missed as Ramiro slipped and fell down to the ground. Instead, a woman depositor who was coming out of the bank was fatally shot. After their apprehension, Rico, Red, and Rod were charged with the special complex crime of robbery with homicide. Rico's defense was that he never intended to shoot and kill the woman, only Ramiro. Red and Rod's defense was that they were not responsible for the death of the woman as they had no participation therein.

Now, the defenses:
🔹 Rico’s claim: “I didn’t mean to shoot the woman — I only intended to kill the policeman.”
🔹 Red and Rod’s claim: “We didn’t kill anyone — we just robbed the bank.”

Let’s break it down 👇

(a) ❌ Is Rico’s defense meritorious?

Not meritorious.

Legal Basis: Article 294(1) of the Revised Penal Code punishes robbery “when by reason or on occasion of the robbery, the crime of homicide shall have been committed.” The Supreme Court holds that it is immaterial that the person killed is not the intended target; once a killing occurs by reason or on the occasion of the robbery, the crime is robbery with homicide, with “homicide” used in its generic sense.

Rico fired to eliminate the responding policeman to protect the ongoing robbery. Though he missed and hit the woman depositor (aberratio ictus), the death was plainly “on the occasion of” and to “facilitate the robbery or the escape” and “prevent discovery,” grounds repeatedly recognized as satisfying the nexus requirement for robbery with homicide.

Because a killing occurred on the occasion of the robbery and the law treats the homicide generically and imputes liability despite mistake in the blow, Rico’s defense fails. He is liable for robbery with homicide.

(b) ❌ Is Red and Rod’s defense meritorious?

Not meritorious.

In robbery with homicide, “all those who took part as principals in the robbery would also be held liable as principals of the single and indivisible felony of robbery with homicide although they did not actually take part in the killing, unless it clearly appears that they endeavored to prevent the same.

Red and Rod conspired with Rico to rob the bank; Rico acted as lookout to ensure the robbery’s success. The killing occurred on the occasion of the robbery to avoid police intervention. There is no showing that Red or Rod endeavored to prevent the killing. Under the conspiracy rule in robbery with homicide, the act of one is the act of all, and liability attaches to all robbers for the homicide.

Because the homicide occurred on the occasion of the robbery and there is no proof that Red and Rod tried to prevent the killing, their defense fails; they are likewise liable for robbery with homicide.

💡 Final Verdict:

Because a death occurred on the occasion of the robbery, it is robbery with homicide. Rico’s mistake in the blow does not negate liability, and Red and Rod, as co-conspirators/ co-robbers who did not endeavor to prevent the killing, are equally liable.

Article 19 of the Civil Code provides that every person, in the exercise of their rights and in the performance of their...
27/10/2025

Article 19 of the Civil Code provides that every person, in the exercise of their rights and in the performance of their duties, must act with justice, give everyone their due, and observe honesty and good faith. Choosing compassion over indifference helps build a just and caring community.

"KAHIT SINTUNADO, PWEDE KUMANTA"- Aljur Abrenica -----------------------------------------------------------------Every ...
24/10/2025

"KAHIT SINTUNADO, PWEDE KUMANTA"
- Aljur Abrenica

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Every person in the Philippines has the right to express themselves through singing, regardless of talent or skill, as part of their fundamental rights to freedom of expression and the protection of human dignity. These rights are enshrined in both the Civil Code and the 1987 Constitution, ensuring that even those who are "out of tune" are protected in their choice to sing.

‘KAHIT SINTUNADO, PWEDE KUMANTA’

Aljur Abrenica responded to netizens’ reactions to his viral song covers during a press conference, expressing his deep love for music and sharing that singing his heart out brings him inner calm.

For more entertainment stories, visit entertainment.inquirer.net

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