Pasalo o assume balance sa mga ari-arian, legal ba?

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Transcript

00:00Welcome to our next segment on Legal Ba?

00:03Where we know how legal is legal is

00:06that often has a lot of people's minds.

00:09In our episode, we'll talk about the concept of

00:12PASALO or ASSUME BALAN

00:15in our area.

00:16One is what we're always doing

00:18is a lot of people's lives in the house,

00:20and a lot of people's lives.

00:22And we'll talk about our legal expert,

00:26our legal expert,

00:26Adzornir Uruel Ilagan.

00:30Good morning, attorney.

00:31Good morning, profi, of course, sa mga manunood.

00:35I'm so happy to be back in the studio,

00:37lalong-lalo na ngayon na pag-uusapan natin

00:39ang PASALO or ASSUME BALANCE.

00:41There are a lot of legal process involved

00:43in PASALO or ASSUME BALANCE,

00:44and mas magandang matutunan natin

00:46para maprotektahan ang kagapatan natin.

00:49Ayan, sa pag-uusapan natin,

00:51kaya ito tinuturing na legal,

00:52at ano ba yung mga panganib,

00:53at kailangan malaman din natin

00:54mga dokumento patungkol dito.

00:56Attorney, maaaring ibang ipaliwanag

00:58sa ating mga manunood

00:59kung anong ibig sabihin ng PASALO

01:01o ASSUME BALANCE

01:03paggating sa mga ari-ari-ari.

01:05Yung PASALO, ASSUME BALANCE,

01:07makikita natin yan online.

01:08It's really an enticing

01:09investment opportunity.

01:11Bakit?

01:12Kasi, makakabili ko ng property

01:13sa murang halaga

01:14or below the market price.

01:16Kaya yung mga tao

01:17very interested in this transaction.

01:19But just like any other

01:20appealing transaction,

01:21there are a lot of risk involved.

01:23So, if you're not able

01:24to manage this risk,

01:26maaaring mo wala yung pera mo.

01:27So, sa simpleng salita,

01:29yung PASALO, ASSUME BALANCE,

01:31so isang tao,

01:31bumili ng property,

01:33either personal property,

01:34kotse,

01:35o kaya real property,

01:36lupa,

01:37at hindi niya mabayagan ng buo

01:39yung ari-ari-ari na yun.

01:41Dahil hindi niya mabayagan ng buo,

01:42maghahanap siya ngayon

01:43isang financial institution

01:45para makautang.

01:46Ayun.

01:47So, kailan po natin pwede masabi

01:49na naiiba yung ASSUME BALANCE

01:50sa regular na pagbili?

01:52Okay.

01:52Sa regular na pagbili,

01:54nababayagan mo agad in full

01:55yung amount

01:57ng ari-arian.

01:58Sa ASSUME BALANCE,

01:59hindi mo agad siya nababayagan.

02:01So, ang nangyayari ngayon,

02:02hahanap ka ng banko

02:04o kaya sa pag-ibig

02:05or other financial institution

02:07para siya yung magbayad

02:08dun sa purchase price.

02:10Okay.

02:10Pero, ang nangyayari,

02:11of course,

02:12for example,

02:13after five months

02:14nung binili mo yung property,

02:15kailangan mo ng pera.

02:17Okay.

02:18Anong gagawin mo ngayon?

02:20Ibibenta mo ngayon

02:21yung property.

02:22Ngayon, dito papasok

02:23yung pangatlong party.

02:24Ito yung pasalo buyer.

02:26Okay.

02:27So, in other words,

02:28sa transaction na ito,

02:29may tatlong parties.

02:30Una,

02:31yung seller

02:31o yung nagbibenta

02:32o yung original buyer

02:34yung mortgage-bidjor

02:35na may utang.

02:36Ang pangalawang party

02:37is the pasalo buyer.

02:38Okay.

02:39Siya ngayon,

02:39yung mag-a-assume ng obligations.

02:41Ang pangatlong party

02:43is, of course,

02:44yung financial institution

02:46or the mortgagee

02:47or banko.

02:48So, itong tatlo yung

02:49parties na involved

02:50sa transaction

02:50ng pasalo

02:51or as yung balance.

02:52Okay.

02:52Ano ang mga legal

02:53or legal risk

02:54na dapat pag-isipan

02:55kapag magpapasalo

02:57or pinasalo

02:58ang balance

02:58ng isang ari-arian?

03:00There are a lot

03:00of legal risk.

03:01Okay.

03:02So,

03:02kailangan natin

03:02matutunan,

03:04ano ba yung interest

03:05ng bawat party?

03:06Kanina sinabi ko

03:07tatlong parties.

03:08Okay.

03:09Yung seller

03:10or mortgager,

03:11anong interest niya?

03:12Ang interest niya

03:13is makuha niya yung pera

03:15kasi may pangailangan siya.

03:16Okay.

03:17Pero hindi na tatapos

03:18doon yung interest niya.

03:19Ang interest din niya

03:20is for him to be released

03:22from the original obligation

03:24in his original contract

03:25with the bank.

03:27That is its interest.

03:29Sa party naman,

03:30nung pasalo buyer,

03:31ang interest niya is

03:32of course,

03:33makuha yung property.

03:34Okay.

03:35Malipat sa pangalan niya

03:36and also,

03:38for him to be recognized

03:39by the bank

03:40or the financial institution

03:41na ako na

03:42ang bago may-ari nito.

03:44Ayun.

03:45Pero kailan po,

03:46kasi there are chances

03:47na ikita ko yun,

03:48lalo na sa mga sasakyan,

03:49yung pasalo balance,

03:50whatsoever.

03:51Kailan po

03:52nag-negativo

03:54yung implication nito

03:55towards doon

03:56sa mga principal actors

03:57during the Assum Balance.

03:59Hindi alam ng lahat,

04:00it's a crime

04:01under Article 319

04:03of the Revised Legal Code

04:05na if you are,

04:07if you have a property

04:08that is subject

04:09of chattel mortgage,

04:10meaning mayroon kang utang

04:11that are pertaining

04:13to personal property

04:14katulad ng sasakyan,

04:15and you sold the same

04:16in favor of a third person

04:18without the knowledge

04:19of the mortgagee,

04:20meaning nung banko

04:21or sino mang

04:22financial institution,

04:24it is considered

04:24as a crime.

04:25E paano yun?

04:26Ang dami nagkalat yun online.

04:27Tama, tama.

04:28Kaya dapat alam natin

04:29na kung magbibenta tayo

04:31ng isang property

04:32na mayroong mortgage,

04:35dapat alam yun

04:35ng mortgagee bank.

04:37Okay, punta tayo dyan.

04:38Attorney,

04:38ano mga bank

04:39na dapat gawin

04:40bago pumasok

04:41sa isang kasunduan

04:42ng isang pasalo?

04:44Una,

04:44you conduct due diligence.

04:46Okay?

04:47Alamin mo

04:48kung yung property

04:49na binibili mo

04:50ay malinis.

04:51Okay?

04:52Aside from the,

04:53magkano ba yung utang nito?

04:55Yun ang unang-una.

04:56But kailangan mo din

04:57malaman,

04:58are there other obligations

04:59involved in the same property?

05:01Kasi minsan,

05:02mababa yung presyo

05:03na binibigay sa'yo,

05:04too good to be true.

05:05Kasi mayroon palang

05:06hidden defects.

05:07Maaaring hindi bayad

05:08yung amilyar

05:09dun sa property.

05:10Okay.

05:10Maaaring may mga

05:11utilities expenses

05:13na hindi mayroon sa bayad.

05:13Or maaaring marami palang

05:14pinag-saluan.

05:15Exactly.

05:16Diba?

05:17Kung ikaw nang may-ari,

05:18ikaw nang nagpoposes,

05:20sabay-sabay

05:20na makiklaim yung mga tao na ito.

05:22Hindi mo ito na-consider

05:23nung una.

05:24Okay?

05:25So, importante

05:26to conduct due diligence.

05:27Alright.

05:28And then, also?

05:29Pangalawa,

05:30you also have to check

05:31yung kontrata

05:32nung nagbebenta sa'yo.

05:34Kasi normally,

05:35kung uutang ka sa banko,

05:36you have a promissory note

05:37with chattel mortgage.

05:39Sa kontrata na yun,

05:40nakalagay doon yung

05:41mga restrictions

05:41and limitations.

05:43And normally,

05:44nasa limitation na yun is

05:46hindi pwedeng ibenta

05:47yung property.

05:48So, in other words,

05:49pag binenta sa'yo,

05:50ikaw yung pasalubayar,

05:51but that property

05:53is subject

05:53to those restrictions,

05:55it will not be recognized

05:57by the bank.

05:58Ayun.

05:58Hindi ka i-recognize

06:00as the new buyer.

06:01So, lahat ng binayad mo,

06:02sayang lang.

06:03Sayang lang.

06:04Pero,

06:04nangyari kasi ngayon,

06:06meron pang mga tao

06:07nagtatrabaho para dito.

06:08Sila yung magbibenta

06:09para sa'yo.

06:10Legal ba yun, attorney?

06:11Nakikita ko ngayon online.

06:13Kung legal yun o hindi,

06:15legal naman yun,

06:16but of course,

06:17ang tanong lagi,

06:18dapat you have to secure

06:20the written consent

06:21of the mortgage.

06:23Yung bank,

06:23yung financial institution.

06:26Kailangan mong makuha yun

06:27in order for you

06:28to be protected.

06:29Alright.

06:29What could be the worst

06:30sa pagsali

06:31sa gandong klaseng transaksyon?

06:33Worst is,

06:34if you are the

06:35pasalubayar,

06:37nabayad mo na lahat,

06:39pumunta ka ngayon

06:39sa banko

06:40or sa financial institution,

06:42sabihin mo,

06:42lipat mo na sa'kin

06:43ng titulo

06:43because I have proof

06:45of payments,

06:46sabihin ng bank,

06:47hindi kita kilala.

06:49I do not recognize you

06:50because you're not

06:51part of the contract

06:52and you did not get

06:54my consent

06:55for this transaction.

06:56So,

06:57ibig sabihin yung pera mo

06:58na sayang.

06:59Nako, attorney,

07:00ano ba ang payot mensay

07:01para sa mga tao

07:02na sasali

07:03sa gandong klaseng

07:04mga transaksyon

07:05o pasalo?

07:07Of course,

07:07tamang kaalaman.

07:08Okay.

07:08Okay?

07:09Pangalawa,

07:10dapat mag-iingat tayo.

07:12Okay?

07:12Alam mo natin

07:13yung pera

07:13na gagastasin natin dito,

07:15pinaghirapan natin yun.

07:16So,

07:17we have to be very careful

07:18in all these transactions.

07:20Importante,

07:21kung ikaw ang seller,

07:23dapat

07:23ma-release ka

07:25sa obligasyon.

07:25Okay.

07:26If you are the buyer,

07:28you have to be recognized

07:30by

07:31the mortgage bank

07:32or financial institution.

07:34Ito yung

07:35importante.

07:36These are your interests.

07:37So,

07:37sa mga manonood natin,

07:39alamin nyo

07:39kung saan yung

07:40party kayo

07:40nakaka-relate

07:41at kung alam nyo

07:42kung saan yung party

07:43nakaka-relate

07:44at alam nyo rin

07:44yung interest ninyo,

07:46then you'll be protected.

07:47So,

07:47simple lang naman.

07:49So,

07:49kung ano yung interest mo,

07:50it has to be protected.

07:51Katorny,

07:52pahabol lamang.

07:52Kung alimbawa

07:53na yung binayad mo

07:54ay hindi,

07:55napunta sa wala,

07:56sino pwede mong kasuan?

07:57Nakapagkaso ka ba?

07:58Anong pwede mong

07:59may mga kapagkaso ka,

08:00so,

08:01ikaw yung pasalabayer,

08:02definitely,

08:03nagbayad ka

08:03doon sa seller.

08:05So,

08:05ang mahabol mo

08:06is yung seller.

08:07Kasi kayong dalawa

08:08yung may kontrata.

08:09You're privy to the contract,

08:11so your cost of action

08:12or yung rights mo

08:13is against

08:14doon sa seller

08:15kung kanino ka nagbayad.

08:16E walang written contract.

08:18But if you have proof

08:19of the transactions,

08:20if you have proof

08:21na nagbayad ka,

08:22nag-deposit ka ng pera,

08:23those can be considered

08:24as evidence

08:24sa court.

08:26Ayan,

08:27and that note,

08:27Atty.

08:28Para sa ating mga ka-RSP,

08:29malinaw

08:30na kahit mukhang praktikal

08:32ang pasalawas yung balance,

08:34may mga legal na aspekto

08:35itong dapat seryosohin.

08:37Kaya naman,

08:38maraming salamat sa'yo,

08:39Atty.

08:39Ruel Ilagan

08:40sa pagbibigay linaw

08:41sa usaping ito.

08:44At syempre,

08:45Atty.

08:45Laging tandaan,

08:46at maging mga ka-RSP,

08:48huwag basta pumirma

08:49o makipagsundo

08:51o may pagkasundo

08:52ng walang sapat na kalaman.

08:54Dahil sa dulo ng lahat,

08:56nang usapan,

08:57ang tanong dapat ay

08:59Legal ba?

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