不动产抵押担保范围登记及其法律效力问题探讨——以银行房地产抵押担保债权的实现为例

发布时间：2018-02-20 19:20

本文关键词： 不动产登记抵押担保范围权利价值债权数额抵押合同　出处：《南方金融》2015年03期 　论文类型：期刊论文

【摘要】：抵押权人申请办理抵押登记手续时,由于现行不动产登记簿及他项权证设计的登记栏目过于简陋,导致抵押权所担保的债权范围无法真实、全面反映和完整覆盖抵押合同当事人对抵押物担保范围的约定内容。法院根据不动产登记簿的记载认定抵押担保范围时,抵押权人对抵押物的优先受偿权利被限于主债权的本金部分,而不能及于主债权之外的利息、违约金、实现债权的费用等附属债权。为此,建议不动产登记簿证应对抵押权登记内容作细化规定,科学设计不动产登记簿中各项设定抵押担保的债权范围,分别规定相应的登记栏目和登记规则,以保障抵押权人优先受偿权利的实现。
[Abstract]:When the mortgagee applies for mortgage registration, the scope of the creditor's rights guaranteed by the mortgage cannot be true because the registration fields designed by the current register of real estate and other certificates of entitlement are too simple, When the court determines the scope of the mortgage guarantee according to the records of the real estate registration book, The mortgagee's preemptive right to the mortgage is limited to the principal portion of the principal creditor's rights, but not to the interest, liquidated damages, and expenses for the realization of the creditor's rights other than the principal creditor's rights. It is suggested that the registration certificate of real estate register should specify the contents of the registration of mortgage, scientifically design the scope of the creditor's rights in the register of real estate to set up the security of mortgage, and stipulate the corresponding registration field and registration rules respectively. In order to protect the realization of the mortgagee's priority right to be repaid.
【作者单位】：江苏警官学院;中国工商银行江苏省分行;
【基金】：江苏高校优势学科建设工程资助项目江苏省社会科学基金项目《我国金融市场发展与民间金融的法律规制研究》(项目编号:14FXD002)的资助
【分类号】：D922.281

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