Com.
Mutuum                                      Deposit
Purpose          Use                                     consumption                            Safekeeping
property         Real / Personal                         Personal / movable                     Movable / Immovable
Object           Non-fungible                            consumable
Consideration    gratuitous                              Gratuitous or onerous                  Gratuitous or onerous
Right of         General Rule: No Right of Retention
Retention
                 Exception
                 Only due to hidden defects
Ownership        Retained by bailor                      Ownership is transferred               Ownership not transferred
Loss due to FE   Bailee Not liable unless                  - By the debtor as ownership is        - If without the fault of the
                    -   Used the thing for a different          transferred and what is to be          depositary, burden on the
                        purpose                                 returned is a generic thing            depositor
                    -   Retained the thing more than
                        stipulated period or after
                        accomplishment of the
                        purpose
                    -   Leased or lend to other
                        persons
                    -   Delivered with appraisal
                        value
                    -   Chose to save his own
                        property given the choice
Expenses            -   Ordinary expenses for use           -   Borrower incurs expenses
                        and preservation bailee
                      -   Extraordinary expenses by
                          bailor
                      -   If extraordinary due to use,
                          50-50 unless there is a
                         stipulation to the contrary
Demand             May demand the return                 -   Cannot demand until period
                      -   Urgent need                        expires
                      -   Precarium                      -   Unless debtor losses the
                      -   Acts of Ingratitude                benefit of period due to
                                                             insolvency, failure to furnish
                                                             securities, impairs the
                                                             securities or fails to give a
                                                             new one if destroyed due to
                                                             FE, attempts to abscond of
                                                             violates undertaking
Risk of Loss          -   Suffered by the Bailor         -   Suffered by debtor               -
Kind of Contract      -   Real Contract                  -   Real Contract                    -   Real Contract
Relationship of       -   Purely Personal                -   Transmissible, not purely
parties                                                      personal