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无论是《城市房地产管理法》第31条,还是《担保法》第36条,抑或是《物权法》第182条、第183条,都明确规定“房随地走、地随房走”的双向统一原则。在房地一致原则之下,建筑物与建设用地使用权应当一并抵押,但房地分别抵押不能仅因违反这一原则而被认定无效。因为房地分别抵押时,各抵押权人就其设定抵押权的财产享有抵押权,就其未设定抵押权的财产不享有法定抵押权。抵押权人在实现抵押权时,可依据《物权法》第146、147条的规定,将建筑物与建设用地使用权一并变价,但仅就其享有抵押权的抵押财产所占变价款中的比例优先受偿。
Whether it is “Urban Real Estate Management Act,” Article 31, or “Security Law” Article 36, or the “Property Law” Article 182, Article 183, all clearly states “Housing to go with the room to go ” Two-way unity of principle. Under the principle of consistent premises, the right to use buildings and construction land should be mortgaged together, but the separate mortgage of premises can not be invalidated merely because of violation of this principle. Because the premises are mortgaged separately, each mortgagee enjoys the right of mortgage over the property for which the mortgage is set up, and does not have statutory mortgage on the property for which the mortgage has not been set. When the mortgagee realizes the mortgage right, he / she may, in accordance with Articles 146 and 147 of the Real Right Law, change the price of the building and the right to use the land for construction. However, only the proportion of the price change of the mortgaged property enjoyed by the mortgagee Priority compensation.