Tatak Rosas

Tatak Rosas Namit gid �

22/04/2026

PASALO SLOT MONTH OF JUNE ‼️
FREE 2 months
APASON 2 months
Reason: dili na sya kapadayun ug bayad.

‼️BATCH 67 is now OPEN ‼️‼️FROM MAY TO FEBRUARY‼️‼️SELECT YOUR MONTHLY SLOT‼️AVAILABLE SLOTS 👇👇👇MAY- TAKENJUNE- Mayo Ben...
15/04/2026

‼️BATCH 67 is now OPEN ‼️
‼️FROM MAY TO FEBRUARY‼️
‼️SELECT YOUR MONTHLY SLOT‼️

AVAILABLE SLOTS 👇👇👇

MAY- TAKEN
JUNE- Mayo Bente Ocho
JULY- Car Los (1,200)
AUGUST-
September-
OCTOBER-
NOVEMBER-
DECEMBER- ADMIN
JANUARY- 50% less for first payment
FEBRUARY- 50% less for first payment

Join our Paluwagan now! Less hassle 😊
Very affordable, and convenient kaayo kay monthly lang ang bayad. Wala nay huna-hunaon pa, bayad lang ug huwat sa imong turn! 😁

✅ We accept LAY-AWAY
✅ Open for RESELLERS

PM FOR MORE DETAILS 😊

14/04/2026

LETCHON PACKAGE & FOOD PACKAGE BATCH 67 is now OPEN!!
FROM MAY TO FEBRUARY!!

14/04/2026

PASALO SEPT UG OCTOBER FREE 1 month.. 1 month rasad apasunon ‼️

13/04/2026

AYAW BAYARI ANG INTEREST NGA 40% KADA-BULAN KAY DILI NA PWEDE SA ATONG BALAOD

An interest rate of 40% per month is considered unconscionable, iniquitous, and void under Philippine law, even if voluntarily agreed upon by the borrower.

Furthermore, interest is legally unenforceable if it is not expressly stipulated in writing.

LEGAL NGA BASEHANAN NGANONG VOID KINI.

1. Unconscionable Interest (Void): While the Usury Law ceilings were lifted (CB Circular 905-82), Philippine courts have repeatedly ruled that interest rates of 3% per month (36% per annum) or higher are excessive and void for being contrary to morals, good customs, or public policy. A 40% monthly rate is vastly higher than this threshold.

2. Void Ab Initio: When an interest rate is deemed unconscionable, the stipulation on interest is void ab initio (from the beginning), as if it were never written in the contract.

3. Requirement of Writing: Under Article 1956 of the Civil Code, no interest shall be due unless it has been expressly stipulated in writing. A verbal agreement for 40% interest is legally invalid.

UNSAY MAHITABO ANI KUNG MAABOT SA KORTE

1. Equitable Reduction: Courts do not usually eliminate the interest entirely but reduce it to a "reasonable" rate, often the legal interest rate of 12% per annum (or 6% per annum for newer cases).

2. Principal Remains Valid: The invalidation of the interest rate does not mean the borrower doesn't have to pay back the loan. The principal amount of the loan remains valid and must be paid, but it will only earn a legal rate of interest, not the 40% rate.

3. Voided Penalties: Any penalties, collection fees, or compounding interests that "bloat" the principal are often struck down as well.

4. Recent Regulatory Caps (SEC/BSP):
As of 2026, the Securities and Exchange Commission (SEC) and the Bangko Sentral ng Pilipinas (BSP) have set caps for small, unsecured loans (up to ₱10,000 for 4 months) at a maximum of 6% monthly nominal interest and a 12% effective interest rate (EIR) per month, with late penalties limited to 5% per month.

If you are facing this situation, you can challenge the interest rate in court.

13/04/2026

PASALO SLOT JUNE 😊

Paluwagan Release to Ma’am Edaj Solpala 😊 Salamat sa makanunayong pag apil maam 😊🫶🏻
11/04/2026

Paluwagan Release to Ma’am Edaj Solpala 😊 Salamat sa makanunayong pag apil maam 😊🫶🏻

25 kls letchon + 6 Viands 😊Thank you Sir Mika Eli 😇🙏🏻🙏🏻
10/04/2026

25 kls letchon + 6 Viands 😊

Thank you Sir Mika Eli 😇🙏🏻🙏🏻

10/04/2026

PASALO SEPTEMBER
2 MONTHS FREE UG 2 months sad apsunon 😊

10/04/2026

PASALO SLOT MONTH OF MAY FREE 1 month na naay apasunon 😊

PALUWAGAN RELEASE TO Ma’am Sajul Ruby Cris Salamat po..
09/04/2026

PALUWAGAN RELEASE TO Ma’am Sajul Ruby Cris Salamat po..

Address

Block 2 Polinar Village, Poblacion Valencia City Bukidnon
Valencia
8709

Telephone

+639655627143

Website

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