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	GR No. 172346 2013-07-24	SPS. NAMEAL AND LOURDES BONROSTRO v. SPS. JUAN AND CONSTANCIA LUNA DEL CASTILLO, J.
"Tender of payment, without more, produces no effect."[34] "[T]o have the effect of payment and the consequent extinguishment of the obligation to pay, the law requires the companion acts of tender of payment and consignation."[35]
	GR No. 172227 2011-06-29	SPS. WILFREDO PALADA AND BRIGIDA PALADA v. SOLIDBANK CORPORATION DEL CASTILLO, J.
Likewise flawed is petitioners' reasoning that TCT Nos. T-225131 and T-225132 could not have been included in the list of properties mortgaged as these were still mortgaged with the PNB at that time. Under our laws, a mortgagor is allowed to take a second or subsequent mortgage on a property already mortgaged, subject to the prior rights of the previous mortgages. [40]