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	GR No. 174113 2016-01-13	PAZ CHENG Y CHU v. PEOPLE OF PHILIPPINES PERLAS-BERNABE, J.
Undaunted, Cheng moved for reconsideration[15] but was denied in a Resolution[16] dated June 26, 2006; hence, this petition.
	GR No. 144516 2004-02-11	DEVELOPMENT BANK OF PHILIPPINES v. COA CARPIO, J.
In a loan transaction or mutuum, the borrower or debtor acquires ownership of the amount borrowed.[58] As the owner, the debtor is then free to dispose of or to utilize the sum he loaned,[59] subject to the condition that he should later return the amount with the stipulated interest to the creditor.[60]