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    Discussions - EXPLAINATION

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    Joy ReAliza Guerrero
    1) Mora refers to failure to perform an obligation on time under civil law, whether the obligation stems from a contract or law. 2) There are three types of mora or delay: mora solvendi, mora accipiendi, and compensatio morae. 3) The general rule is "no demand, no delay". However, there are exceptions where a debtor can be considered delayed even without demand, such as if the obligation or law expressly states it. Payment of income tax and rental payments with a "without demand" clause are examples. 4) A party in a reciprocal obligation can be considered delayed as soon as the other party fulfills their obligation.

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    Discussions - EXPLAINATION

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    Joy ReAliza Guerrero
    37 views3 pages
    1) Mora refers to failure to perform an obligation on time under civil law, whether the obligation stems from a contract or law. 2) There are three types of mora or delay: mora solvendi, mora accipiendi, and compensatio morae. 3) The general rule is "no demand, no delay". However, there are exceptions where a debtor can be considered delayed even without demand, such as if the obligation or law expressly states it. Payment of income tax and rental payments with a "without demand" clause are examples. 4) A party in a reciprocal obligation can be considered delayed as soon as the other party fulfills their obligation.

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    1) Mora refers to failure to perform an obligation on time under civil law, whether the obligation stems from a contract or law. 2) There are three types of mora or delay: mora solvendi, mora accipiendi, and compensatio morae. 3) The general rule is "no demand, no delay". However, there are exceptions where a debtor can be considered delayed even without demand, such as if the obligation or law expressly states it. Payment of income tax and rental payments with a "without demand" clause are examples. 4) A party in a reciprocal obligation can be considered delayed as soon as the other party fulfills their obligation.

    Copyright:

    © All Rights Reserved
    Download as DOCX, PDF, TXT or read online from Scribd
    Download as docx, pdf, or txt
    37 views3 pages

    Discussions - EXPLAINATION

    Uploaded by

    Joy ReAliza Guerrero
    1) Mora refers to failure to perform an obligation on time under civil law, whether the obligation stems from a contract or law. 2) There are three types of mora or delay: mora solvendi, mora accipiendi, and compensatio morae. 3) The general rule is "no demand, no delay". However, there are exceptions where a debtor can be considered delayed even without demand, such as if the obligation or law expressly states it. Payment of income tax and rental payments with a "without demand" clause are examples. 4) A party in a reciprocal obligation can be considered delayed as soon as the other party fulfills their obligation.

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    © All Rights Reserved
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    Download as docx, pdf, or txt
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    Discussions: EXPLAINATION

    Now, another word for delay under the civil code is MORA – and that is failure to perform
    the obligation in due time and usually if it an obligation arising from a Contract, that is
    with during the time specified or agreed upon the parties. If the obligation arises from
    law, then that is based on what is provided under the law except for payment of Income
    Tax because there is a specified date on when to pay your income tax. Another example,
    if you will be notarizing a deed of absolute sale, there is a period within which to pay the
    capital gain stocks. Hinde na sinasabi ng batas na pumunta ka sa BIR and haggle with
    the BIR. Basta’t sinabi ng batas within 60 days, na-notarize na, you have to pay the
    capital gain stocks, otherwise you are considered in delay.

    Now, what are the different kinds of Delay or Mora?


    You have the Mora Solvendi (delay of the part of debtor), Mora Accipiendi (delay on the
    part of the creditor) and Compensatio Morae (delay on both part of the creditor and the
    debtor).

    Ok, what is the rule regarding delay? The general rule “NO DEMAND, NO DELAY”.
    But what are the exemptions? Which means even if there is no demand, debtor or obligor
    will still be considered in delay;

    Number 1: if the obligation expressly declares it or the law expressly declares it.
    That is why you will notice, anybody who is renting an apartment or condo unit here, or
    who has a contract of lease, if you have a contract of lease, look at the portion where in it
    provides for the payment of the rental and you will notice there is a phrase there “rental
    should be paid on or before the 5th day of each month without demand”.
    That phrase “without demand” is an example of exemption. (again, if the obligation
    expressly so declares)
    So if you are drafting a contract, and it involves a prestation to give, do not forget to
    insert the phrase “without need of demand”. Why? Because in relation to delay, the
    debtor can’t use that as a defense against the one you have drafted the contract.
    Because sabi nga ng batas, “No Demand, No Delay”.

    Also under exemption number 1, if the law expressly so declares like the payment of the
    Income tax. Diba binabayaran natin yan, on or before April 15 of every year. (again this is
    without need of demand).

    Question, when can a party in reciprical obligation be considered in delay ? (both parties
    are creditors and debtors to each other) The moment one of the parties fulfills his
    obligations, then it’s automatic that there is delay on the part of another party.
    Mga talakayan:

    Ngayon, ang isa pang salita para sa pagkaantala sa ilalim ng civil code ay MORA – at
    iyon ay ang kabiguang gampanan ang obligasyon sa takdang panahon at kadalasan
    kung ito ay isang obligasyon na nagmumula sa isang Kontrata, iyon ay sa panahon na
    tinukoy o napagkasunduan ng mga partido. Kung ang obligasyon ay nagmula sa batas,
    iyon ay batay sa kung ano ang ibinigay sa ilalim ng batas maliban sa pagbabayad ng
    Income Tax dahil may tinukoy na petsa kung kailan magbabayad ng iyong buwis sa kita.
    Isa pang halimbawa, kung magpapanotaryo ka ng isang deed of absolute sale, mayroong
    isang panahon kung saan dapat bayaran ang mga stock ng capital gain. Hinde na
    sinasabi ng batas na pumunta ka sa BIR and haggle with the BIR. Basta’t sinabi ng batas
    within 60 days, na-notarize na, you have to pay the capital gain stocks, otherwise you are
    considered in delay.

    Ngayon, ano ang iba't ibang uri ng Delay o Mora?


    Mayroon kang Mora Solvendi (pagkaantala ng bahagi ng may utang), Mora Accipiendi
    (pagkaantala sa bahagi ng pinagkakautangan) at Compensatio Morae (pagkaantala sa
    parehong bahagi ng pinagkakautangan at ng may utang).

    Ok, ano ang tuntunin tungkol sa pagkaantala? Ang pangkalahatang tuntunin na "NO
    DEMAND, NO DELAY".
    Ngunit ano ang mga pagbubukod? Ibig sabihin kahit walang demand, ang may utang o
    obligor ay isasaalang-alang pa rin sa pagkaantala;

    Numero 1: kung ang obligasyon ay hayagang nagpahayag nito o ang batas ay


    hayagang nagpahayag nito.
    Kaya naman mapapansin mo, kahit sinong umuupa ng apartment o condo unit dito, o
    may contract of lease, kung mayroon kang contract of lease, tingnan mo ang bahagi
    kung saan nakasaad dito ang pagbabayad ng rental at ikaw. mapapansing mayroong
    parirala doon na "dapat bayaran ang upa sa o bago ang ika-5 araw ng bawat buwan nang
    walang hinihingi".
    Ang pariralang "walang hinihingi" ay isang halimbawa ng exemption. (muli, kung ang
    obligasyon ay hayagang idineklara)
    Kaya kung ikaw ay nag-draft ng isang kontrata, at ito ay nagsasangkot ng isang
    prestation upang magbigay, huwag kalimutang ipasok ang pariralang "nang walang
    pangangailangan ng demand". Bakit? Kasi in relation to delay, the debtor can’t use that
    as a defense against the one you have drafted the contract. Dahil sabi nga ng batas, “No
    Demand, No Delay”.

    Sa ilalim din ng exemption number 1, kung hayagang idineklara ng batas tulad ng


    pagbabayad ng Income tax. Diba binabayaran natin yan, on or before April 15 of every
    year. (muli ito ay walang pangangailangan).
    Tanong, kailan maaaring isaalang-alang sa pagkaantala ang isang partido sa reciprical
    na obligasyon? (Both parties are creditors and debtors to each other) The moment one of
    the parties fulfills his obligations, then it’s automatic na may delay sa part ng isa pang
    party.

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