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《民法典》物权编对“抵押房”买卖的影响
日期: 2019-07-22    阅读: 516次

JINNIANLAI,FANGJIA、LOUSHI、GOUFANGZHENGCEDENGFANGDICHANXIANGGUANHUATIBUDUAN,CHANGCHANGYINFARENMENREYI,JUGAOBUXIADEFANGJIASHIDEXUDUONIANQINGRENBUDEBUBAMUGUANGTOUXIANGERSHOUFANG。XIANGBIYUSHANGPINFANG,ERSHOUFANGJIAGEXIANGDUIDILIAN,SHIDEERSHOUFANGSHICHANGYUFAHUORE。DANTONGSHIERSHOUFANGMAIMAIZHONGYECUNZAIXUDUOFENGXIAN。LEJIEXIANGGUANFALVGUIDING,ZHUYIFENGXIANFANGKONGZEKEYIBIMIANKENENGFASHENGDEJIUFEN。JIJIANGYUMINGNIANSHENGXIAODE《MINFADIAN》DUIYUXIANXINGWUQUANFADIYAQUANBUFENDEXIUGAI,BIRANHUIYINGXIANGDAOERSHOUFANGMAIMAISHICHANG。BIZHEJIANGJIUDIYAXIANGGUANGUIDINGDEBIANHUATANTANDUIERSHOUFANGMAIMAIZHONGDEXINFENGXIAN。

一、现行物权法对“抵押房”买卖的规定

彩票平台下载 《ZHONGHUARENMINGONGHEGUOWUQUANFA》DIYIBAIJIUSHIYITIAO DIYAQIJIAN,DIYARENJINGDIYAQUANRENTONGYIZHUANRANGDIYACAICHANDE,YINGDANGJIANGZHUANRANGSUODEDEJIAKUANXIANGDIYAQUANRENTIQIANQINGCHANGZHAIWUHUOZHETICUN。ZHUANRANGDEJIAKUANCHAOGUOZHAIQUANSHUEDEBUFENGUIDIYARENSUOYOU,BUZUBUFENYOUZHAIWURENQINGCHANG。

DIYAQIJIAN,DIYARENWEIJINGDIYAQUANRENTONGYI,BUDEZHUANRANGDIYACAICHAN,DANSHOURANGRENDAIWEIQINGCHANGZHAIWUXIAOMIEDIYAQUANDECHUWAI。

《FANGWUDENGJIBANFA》DISANSHISITIAO DIYAQIJIAN,DIYARENZHUANRANGDIYAFANGWUDESUOYOUQUAN,SHENQINGFANGWUSUOYOUQUANZHUANYIDENGJIDE,CHUTIGONGBENBANFADISANSHISANTIAOGUIDINGCAILIAOWAI,HAIYINGDANGTIJIAODIYAQUANRENDESHENFENZHENGMING、DIYAQUANRENTONGYIDIYAFANGWUZHUANRANGDESHUMIANWENJIAN、TAXIANGQUANLIZHENGSHU。

彩票平台下载 ZAIXIANXINGGUIDINGZHIXIA,XIANGYAOZHUANRANGDIYAFANG,YAOMEQUDEDIYAQUANRENSHUMIANTONGYI,YAOMETIQIANQINGCHANGZHAIWUJIECHUDIYA。RUDIYAQUANRENBUTONGYIFANGWUZHUANRANG,YOUBUJIESHOUTIQIANQINGCHANGZHAIWU,MAISHOURENJIANGWUFABANLIDENGJI,YEJIUWUFAQUDECHANQUAN。

二、物权编对抵押财产处分规定的变更

《ZHONGHUARENMINGONGHEGUOMINFADIAN》DISIBAILINGLIUTIAO DIYAQIJIAN,DIYARENKEYIZHUANRANGDIYACAICHAN。DANGSHIRENLINGYOUYUEDINGDE,ANZHAOQIYUEDING。DIYACAICHANZHUANRANGDE,DIYAQUANBUSHOUYINGXIANG。

DIYARENZHUANRANGDIYACAICHANDE,YINGDANGJISHITONGZHIDIYAQUANREN。DIYAQUANRENNENGGOUZHENGMINGDIYACAICHANZHUANRANGKENENGSUNHAIDIYAQUANDE,KEYIQINGQIUDIYARENJIANGZHUANRANGSUODEDEJIAKUANXIANGDIYAQUANRENTIQIANQINGCHANGZHAIWUHUOZHETICUN。ZHUANRANGDEJIAKUANCHAOGUOZHAIQUANSHUEDEBUFENGUIDIYARENSUOYOU,BUZUBUFENYOUZHAIWURENQINGCHANG。

MINFADIANGUIDING,DIYACAICHANKEYIZHUANRANG,BUZAISHOUDIYAQUANRENYIZHIDEXIANZHI,YINCIMINFADIANSHENGXIAOHOU,JIBIANFANGCHANSHEYOUDIYAQUAN,YEKEYIBANLIBUDONGCHANBIANGENGDENGJI。GAITIAOKUANYU《FANGWUDENGJIBANFA》DISANSHISITIAOCUNZAICHONGTU,DAN《FANGWUDENGJIBANFA》SHIJIANSHEBUCHUTAIDEBUMENGUIZHANG,WEIJIEXIAOLIDIYU《MINFADIAN》。ZHEIYIWEIZHE,MAISHOURENGOUMAIDIYAFANGDEMENJIANDADAJIANGDI,BIAOMIANKANSHANGQUFENGXIANSIHUYOUSUOJIANGDI,DANSHIJISHANG,HUISUIZHICHANSHENGXUDUOXINFENGXIAN。NEIMEMINFADIANSHENGXIAOHOU,MAISHOURENHUIMIANLINNAXIEFENGXIANNI?

三、《民法典》下的“抵押房”买卖风险

彩票平台下载 1.DIYARENYUDIYAQUANRENZHIJIANCUNZAIYUEDING

彩票平台下载 《MINFADIAN》TONGSHIGUIDING: “DANGSHIRENLINGYOUYUEDINGDE,ANZHAOQIYUEDING。”BIZHERENWEI,RUGUOCHURANGRENYUQIZHAIQUANRENYUEDINGDIYACAICHANBUKEZHUANRANGHUOYOUTIAOJIANZHUANRANG,BINGYINMANSHISHIXIANGMAISHOURENCHUSHOUFANGWU,KESHIYONGSHANYIQUDEZHIDU。RUSHANGWEIBANLIBIANGENGDENGJIHETONGJIECHU,ZEKEYIXIANGCHURANGRENZHUZHANGFANHAIGOUFANGKUANBINGCHENGDANZEREN,YINCIJIANYIZAIMAIMAIHETONGZHONGYUEDINGXIANGYINGWEIYUEZEREN。

彩票平台下载 2.MAISHOURENNENGFOUCHENGWEIXINDEDIYAREN?

ZUIGAOFAZAINONGXINGHAERBINDAOWAIZHIXINGYUZHONGCAIKAIFAGONGSIJIEKUANHETONGJIUFENANJIANZHONGRENWEI: “《ZHONGHUARENMINGONGHEGUOWUQUANFA》DI191TIAO“DIYAQIJIAN,DIYARENJINGDIYAQUANRENTONGYIZHUANRANGDIYACAICHANDE,YINGDANGJIANGZHUANRANGSUODEDEJIAKUANXIANGDIYAQUANRENTIQIANQINGCHANGZHAIWUHUOZHETICUN”ZHIGUIDING,QUELILE“DIYAQUANRENTONGYIFANGKEZHUANRANG”DEJIBENYUANZE,RUGUODIYAQUANRENTONGYIZHUANRANGDIYAWUDEQINGKUANGXIA,ZEBUYINGYOUSHOURANGRENDAIWEIQINGCHANGZHAIWU,ZAIDIYAWUDEJIAOHUANJIAZHISHIXIANZHIRIJISANGSHILEWUSHANGZHUIJILI,DIYAQUANDEXIAOLIJINJIYUZHUANRANGJIAJIN。BENANZHONG,NONGXINGDAOWAIZHIXINGXIANGHAERBINSHIFANGDICHANJIAOYIZHONGXINCHUJULE《GUANYUYUNXUDIYARENJIXUSHOUFANGDEHAN》,TONGYIZHUANRANGDIYAWU,YINGSHIWEIFANGQIDIYAQUAN,CISHINONGXINGDAOWAIZHIXINGDUIYUZAIJIANFANGWUYIBUZAIXIANGYOUDIYAQUAN,QIZHINENGDUIMAISHOURENZHIFUDEGOUFANGKUANXINGSHIJIAJINDAIWEIQUAN,ERBUNENGZAIZHUIJIYUWUSHANGDIYAQUAN。”JIANERYANZHI,DIYAQUANRENTONGYIZHUANRANGDIYAWU,JISHIWEIFANGQIDIYAQUAN。

JIANERYANZHI,DIYAQUANRENTONGYIZHUANRANGDIYAWU,JISHIWEIFANGQIDIYAQUAN。

SUIRANCIGUANDIANYINFAZHUDUOZHENGYI,DANBIZHERENWEI,《MINFADIAN》SHENGXIAOHOU,CIZHONGZHENGYIJIANGBUFUCUNZAI。《MINFADIAN》MINGQUEGUIDINGDIYACAICHANZHUANRANGDE,DIYAQUANBUSHOUYINGXIANG。BIZHERENWEI,CITIAOKUANCUNZAILIANGZHONGHANYI:

彩票平台下载 ①DIYAQUANBUYINZHUANRANGERXIAOMIE;

②DIYARENBIANGENGWEIDIYACAICHANDESHOURANGREN。

彩票平台下载 DUIYUSHANGSHULIANGHANYI,YINGCONGLIANGGECENGMIANJINXINGLIJIE: DIYI,DIYAQUANSHUYUWUQUAN,SHIYIZHONGDUISHIQUAN,DANBAOQUANRENQINGQIUSHIXIANDANBAOWUQUAN,SHIZHENDUIDANBAOCAICHANXINGSHIWUSHANGQINGQIUQUAN,DIYAFANGCHANDEZHUANRANGBUYINGXIANGDIYAQUANDECUNZAI;DIER,《MINFADIAN》395TIAOGUIDINGDIYARENZHINENGDIYAYOUQUANCHUFENDECAICHAN,SHOURANGRENBANLISUOYOUQUANBIANGENGDENGJIHOU,CHENGWEILEGAIFANGCHANWEIYIDEYOUQUANCHUFENREN,CHURANGRENBIANSHIQULEZUOWEIDIYARENDEWUQUANJICHU。YINCICONGFALISHANG,DIYAFANGDESHOURANGRENDANGRANBIANGENGWEIXINDEDIYAREN。

彩票平台下载 3.FANGCHANZHUANRANGHOU,WEIBIANGENGDENGJIDIYA,SHIFOUYINGXIANGDIYARENXINGSHIDIYAQUAN?

彩票平台下载 BIZHERENWEIBUYINGXIANG。SHOUXIAN,ANQIANWENSUOSHU: “DIYAFANGDESHOURANGRENDANGRANBIANGENGWEIXINDEDIYAREN”;QICI,DIYAQUANJUYOUWUQUANSHUXING,JUYOUDUISHIXING,FALVGUIDINGDIYAQUANDESHENGXIAOYIDENGJIWEIYAOJIAN,DIYAQUANZAISHELISHI,DIYAQUANRENYUFANGWUCHURANGRENYIJINGBANLIDIYADENGJI,CISHIDIYASHENGXIAO,YINMINFADIAN406TIAOGUIDING,DIYAQUANXIAOLIYINGDANGYIZHIYANXUZHIDIYAQUANSHIXIANHUOZHUZHAIQUANXIAOMIE,BUYINGYINWEIBIANGENGDIYADENGJIERWUFASHIXIAN;ZUIHOU,DIYACAICHANKEZIYOUZHUANRANG,DIYAQUANRENDUIDIYAWUDEKONGZHIJIANGDI,GENGYINGGAIBAOHUDIYAQUANRENDEQUANLI。JIANDANLAISHUO,DIYAQUANZHENDUIDESHIFANGWUERFEIREN,ZHIYAODIYAFANGCHANXINXIBUBIANGENG,ZHENDUIFANGWUDEDIYAQUANBIANKEYISHIXIAN。

TONGSHI,BIZHEJIANYIFANGDICHANGUANLIBUMENZAI《MINFADIAN》SHENGXIAOZHISHICHUTAIXIANGGUANZHENGCE,GUIDINGDIYAFANGCHANBIANGENGDENGJISHI,DIYARENYEYIBINGBIANGENG。ZHEIYANGZUOYIFANGMIANKEYIBAOZHENGMINFADIANDIYAQUANXIANGGUANGUIDINGSHUNLISHISHI,FUHEFALVLUOJI;LINGYIFANGMIAN,BAOZHENGDENGJIXINXIYUSHIJIQINGKUANGBAOCHIYIZHI,TIXIANZHENGFUBUMENDEZHILINENGLIHEGUANLISHUIPING;TONGSHIHAIKEYIQIDAOFENGXIANGAOZHIZUOYONG,TIXINGMAISHOURENJINSHENGOUFANG,YOUZHUYUBIMIANCHANSHENGXUDUOBUBIYAODEJIUFEN,WEIHUSHEHUIWENDING,CUJINERSHOUFANGSHICHANGDEFAZHAN。

4.“LIUYAJINZHI”TIAOKUANBIANGENGDUIERSHOUFANGMAIMAIDEYINGXIANG

彩票平台下载 XIANXING《WUQUANFA》DUIDIYASHANGDELIUYATIAOKUANSHIMINGQUEJINZHIDE。SUOWEI“LIUYA”,TONGSULAIJIANGJIUSHI“YIWUDIZHAI”。《MINFADIAN》ZAIYUANYOULIUYAJINZHITIAOKUANDEJICHUSHANGZUOLEYIDINGCHENGDUSHANGDEBIANTONG。

《WUQUANFA》DIYIBAIBASHILIUTIAO DIYAQUANRENZAIZHAIWULVXINGQIJIEMANQIAN,BUDEYUDIYARENYUEDINGZHAIWURENBULVXINGDAOQIZHAIWUSHIDIYACAICHANGUIZHAIQUANRENSUOYOU。

《MINFADIAN》DISIBAILINGYITIAO DIYAQUANRENZAIZHAIWULVXINGQIXIANJIEMANQIAN,YU DIYARENYUEDINGZHAIWURENBULVXINGDAOQIZHAIWUSHIDIYACAICHANGUIZHAIQUANRENSUOYOUDE,ZHI NENGYIFAJIUDIYACAICHANYOUXIANSHOUCHANG。

SUIRAN《MINFADIAN》WEINENGWANQUANKENDINGLIUYADEYOUXIAOXING,DANSHIBUZAICHIWANQUANJINZHIDETAIDU,ZHEIYIWEIZHEZHIYAODIYARENBUZHUZHANGCHEXIAO,TIAOKUANBUCUNZAIWEIHAIGUOJIA、SHEHUIHEDISANRENLIYIDEQINGXINGHUOQITAFALVSHANGDAOZHIHETONGWUXIAODEQINGXING,FALVZUNZHONGDANGSHIRENZHIJIANDEYISIZIZHI,LIUYATIAOKUANYEBUYINGRENDINGWEIWUXIAO。

四、面对新型风险,买受人应如何规避?

DIYACAICHANKEYIZHUANRANG,BIRANDAOZHIDALIANGDIYAFANGYONGRUSHICHANG,ZAIHUANJIEZHUFANGYALIDETONGSHI,YEKAOYANZHEMAISHOURENDEFENGXIANKONGZHINENGLI。ZONGSHANG,《MINFADIAN》SHENGXIAOHOU,DIYAFANGMAISHOURENBUDEYISUOYOUQUANDUIKANGDIYAQUANDESHIXIANSHIZHUYAOFENGXIAN。RUGUOXIANGGUANBUMENCAINASHANGWENYIJIAN,ZHIDINGZHENGCE,JIBIANCHURANGRENYINMANDIYASHISHI,MAISHOURENYEKEZAIBANLIDENGJISHIDEZHIFANGWUCUNZAIDIYADEQINGKUANG,CISHIKEYIHETONGYUEDINGHUOHETONGBIANXIANGGUANGUIDINGZHUZHANGQUANLI,HUOYAOQIUJIANGDIDUIJIA。DANRUGUOTONGSHIBANLILIANGGEDENGJI,BIANSHIWEIMAISHOURENZIYUANCHENGDANFENGXIAN。DANGRAN,RUGUOSHOURANGFANGWUHOU,DIYAQUANSHIXIAN,MAISHOURENKEYIDIYARENDESHENFENXIANGZHAIWURENZHUICHANG。

彩票平台下载 DANRUGUOZHENGCEGENBUSHANG,MAISHOURENJIUYINGDANGZHUDONGCHAXUNFANGCHANXIANGGUANXINXI,CHAKANFANGWUSHIFOUCUNZAIWUQUANXIACI。RUCUNZAIDIYA,KEYIJU《MINFADIAN》406TIAODI2KUAN,TONGGUOXIEYIYUEDINGFANGSHI,DUCUCHURANGRENJISHITONGZHIDIYAQUANRENMAIMAIQINGKUANG,TONGSHIZAIMAIMAIHETONGZHONGYUEDING,CHURANGRENYINGJIANGGOUFANGKUANTICUN,HUOZAIDIYAQUANRENTONGYIDEQINGKUANGXIATIQIANQINGCHANGZHAIWU,YIGUIBIFENGXIAN。

彩票平台下载 DUIYUDIYAFANGMAISHOURENERYAN,KENENGHUIYINLIUYATIAOKUANYUMAISHOURENCHANSHENGWUQUANJIUFEN。SUIRANMAISHOURENKEYIDIYAQUANREN“ZHINENGYIFAJIUDIYACAICHANYOUXIANSHOUCHANG”,ZHUZHANGWUQUANGUISHU,DANWEILEBIMIANHOUQIYINJIUFENHEKENENGSHEJIDESUSONGLANGFEISHIJIANHEJINQIAN,ZUIHAOZAIQIANDINGGOUFANGHETONGQIANZUOHAODIAOCHA,HUOYUEDINGXIANGYINGDEWEIYUEZEREN,FANGHUANYUWEIRAN。

作者: 张兆中,广东圣马彩票平台下载



责任编辑: 李军委




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