ISAGUIRRE VS. DE LARA, GR NO. 138053, 31 MAY 2000, 332 SCRA 803

ISAGUIRRE VS. DE LARA,

GR NO. 138053, 31 MAY 2000, 332 SCRA 803

 

TOPIC/DOCTRINE

As a general rule, a mortgagor retains possession of the mort-gaged property since a mortgage is merely a lien and title to the property does not pass to the mortgagee.

 

FACTS

Basically, petitioner claims that he is entitled to retain possession of the subject property until payment of the loan and the value of the necessary and useful improvements he made upon such property.10 According to petitioner, neither the Court of Appeals’ decision in G.R. CV No. 42065 nor this Court’s decision in G.R. No. 120832 ordered immediate delivery of possession of the subject property to respondent.

 

ISSUE

Whether or not the mortgagee in an equitable mortgage has the right to retain possession of the property pending actual payment to him of the amount of indebtedness by the mortgagor.

 

RULING

No.

The court held that a mortgage is a contract entered into in order to secure the fulfilment of a principal obligation, and constituted by recording the document in which it appears with the proper Registry of Property, although, even if it is not recorded, the mortgage is nevertheless binding between the parties; As a general rule, a mortgagor retains possession of the mort-gaged property since a mortgage is merely a lien and title to the property does not pass to the mortgagee. The court held that a simple mortgage does not give the mortgagee a right to the possession of the property unless the mortgage should contain some special provision to that effect.

Here, regrettably, for petitioner, he has not presented any evidence, other than his own gratuitous statements, to prove that the real the intention of the parties was to allow him to enjoy possession of the mortgaged property until full payment of the loan.

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