论以房抵债协议买卖条款之法律效力——以民间借贷司法解释第24条为中心

发布时间：2018-01-21 07:38

本文关键词： 以房抵债协议买卖条款民间借贷合同代物清偿预约　出处：《东北大学学报(社会科学版)》2017年04期 　论文类型：期刊论文

【摘要】：以房抵债协议是指通过签订房屋买卖合同担保民间借贷的协议,其在司法实践中大量存在,对于该协议中买卖条款的效力的认定存在有效与无效的争议,而《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》第24条则对其效力采取了回避的态度。因为以房抵债协议不存在通谋虚伪意思表示且与流押契约有明显区别,因此不能直接对其买卖条款的效力进行否定。通过对以房抵债协议买卖条款的性质进行剖析,对让与担保说、后让与担保说、附解除条件的合同说提出质疑,指出其本质上属于代物清偿预约,在符合法定情形下,债权人可以排除第三人对房屋价款的请求权,即债权人此时享有物权期待权,以期对司法实践中此类争议的解决提供一个可以参考的路径。
[Abstract]:The agreement of house for debt refers to the agreement to guarantee folk loan by signing the contract of house purchase and sale, which exists in a large number of judicial practice. The validity and invalidation of the validity of the purchase and sale clause in this agreement are disputed. Article 24 of the Supreme people's Court on the application of law to private lending cases takes an evasive attitude towards its effectiveness. There is a clear difference in the bond. Therefore, we can not directly negate the validity of the purchase and sale clause. Through the analysis of the nature of the purchase and sale clause of the agreement on paying for debts with housing, we can question the theory of the transferable guarantee, the post-transferable guarantee and the contract theory with the conditions of rescission. The author points out that it is essentially an appointment to pay off goods on behalf of the property, and in accordance with the legal circumstances, the creditor can exclude the third party's right to claim the price of the house, that is, the creditor has the right of expectation in real right at this time. In order to provide a reference path for the settlement of such disputes in judicial practice.
【作者单位】：北京化工大学文法学院;
【分类号】：D920.5;D923
【正文快照】： 以房抵债协议是指当事人针对同一笔款项先后签订房屋买卖合同和借款合同两协议,并在借款协议中约定买卖双方同时分别为出借人及借款人,借款人如到期未能偿还借款则履行房屋买卖合同,转移房屋所有权,约定这种“以房抵债”的处理方式的协议构成实践中的以房抵债协议。以房抵债协

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