Practice question
An owner wants an undisputedly valid, enforceable mortgage removed solely to facilitate a sale. No discharge, prescription, invalidity or other ground exists. Is the desire for a clean sale itself a476 defect?
- No; inconvenience does not establish an invalid or inoperative cloud
- Yes, every sale preference voids mortgages
- Yes, all encumbrances are invalid
- Yes, ownership automatically cancels security
- Yes, the lender must donate its rights
Legal references
- Civil Code RA386: https://lawphil.net/statutes/repacts/ra1949/ra_386_1949.html Articles476–481 and749.
- Santos Ventura Hocorma Foundation v Mabalacat Institute GR267084 July9,2025 MAIN: https://lawphil.net/judjuris/juri2025/jul2025/gr_267084_2025.html MAIN true donation, formalities and adverse title proof.
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