担保型商品房买卖合同纠纷的裁判困境及其出路
|
摘要
为担保借款合同,当事人同步签署商品房买卖合同,约定借款人不能归还借款本金及利息时,应履行商品房买卖合同。此类具有担保功能的商品房买卖合同,在性质上属于债务清偿协议。法释[2015]18号第24条虽要求当事人以民间借贷提起诉讼,但未否定商品房买卖合同的效力。在确认应还本金及利息及借款人没有如期清偿的前提下,出借人请求移转房屋所有权的,应予支持。
In order to guarantee the loan contract in practice, the parties often sign a commercial house sales contract, stipulating that the borrower cannot return the loan principal and interest, and should perform the commercial house sales contract. Such a commercial house sales contract with a guarantee function is a debt settlement agreement in nature. Article 24 of the Judicial Interpretation of Private Lending Claims requires the parties to file a lawsuit with private lending, but does not deny the validity of the commercial house sales contract. The lender shall request support for the transfer of ownership of the house on the premise that it is confirmed by the judicial judgment that the principal and interest shall be repaid and the borrower fails to pay off as scheduled.
In order to guarantee the loan contract in practice, the parties often sign a commercial house sales contract, stipulating that the borrower cannot return the loan principal and interest, and should perform the commercial house sales contract. Such a commercial house sales contract with a guarantee function is a debt settlement agreement in nature. Article 24 of the Judicial Interpretation of Private Lending Claims requires the parties to file a lawsuit with private lending, but does not deny the validity of the commercial house sales contract. The lender shall request support for the transfer of ownership of the house on the premise that it is confirmed by the judicial judgment that the principal and interest shall be repaid and the borrower fails to pay off as scheduled.
引文
[1] 王明华.买卖式担保的实践类型与裁判规则研究[J].山东审判,2016(2):102-107.
[2] 杨立新.后让与担保:一个正在形成的习惯法担保物权[J].中国法学,2013(3):74-84.
[3] 梁曙明,刘牧晗.借贷关系中签订房屋买卖合并备案登记属于让与担保[J].人民司法,2014(16):4-8.
[4] 高治.担保型买卖合同纠纷的法理辨析与裁判对策[J].人民司法,2013(23):65-69.
[5] 张伟.买卖合同担保民间借贷合同的解释论[J].法学评论,2016(2):176-188.
[6] [日]近江幸治.民法总则(第六版补订)[M].渠涛等译,北京:北京大学出版社,2015:172.
[7] 王泽鉴.民法总则[M].北京:北京大学出版社,2009:339.
[8] 崔建远.以物抵债的理论与实践[J].河北法学,2012(3):23-28.
[9] 杜万华.就审理民间借贷案件司法解释答记者问[EB/OL].http://www.court.gov.cn/zixun-xiangqing-15152.html.2019-2-20.
[10] 杜万华.最高人民法院民间借贷司法解释理解与适用[M].北京:人民法院出版社,2015:430-431.
[11] 庄加园.“买卖型担保”与流押条款的效力——《民间借贷规定》第24条的解读[J].清华法学,2016(3):72-85.
[12] 陈永强.以买卖合同担保借贷合同的解释路径与法效果[J].中国法学,2018(2):228-247.
① 引自“最高人民法院(2011) 民提字第 344 号民事判决书”。
② 引自“最高人民法院( 2013) 民提字第135号民事判决书”。
[2] 杨立新.后让与担保:一个正在形成的习惯法担保物权[J].中国法学,2013(3):74-84.
[3] 梁曙明,刘牧晗.借贷关系中签订房屋买卖合并备案登记属于让与担保[J].人民司法,2014(16):4-8.
[4] 高治.担保型买卖合同纠纷的法理辨析与裁判对策[J].人民司法,2013(23):65-69.
[5] 张伟.买卖合同担保民间借贷合同的解释论[J].法学评论,2016(2):176-188.
[6] [日]近江幸治.民法总则(第六版补订)[M].渠涛等译,北京:北京大学出版社,2015:172.
[7] 王泽鉴.民法总则[M].北京:北京大学出版社,2009:339.
[8] 崔建远.以物抵债的理论与实践[J].河北法学,2012(3):23-28.
[9] 杜万华.就审理民间借贷案件司法解释答记者问[EB/OL].http://www.court.gov.cn/zixun-xiangqing-15152.html.2019-2-20.
[10] 杜万华.最高人民法院民间借贷司法解释理解与适用[M].北京:人民法院出版社,2015:430-431.
[11] 庄加园.“买卖型担保”与流押条款的效力——《民间借贷规定》第24条的解读[J].清华法学,2016(3):72-85.
[12] 陈永强.以买卖合同担保借贷合同的解释路径与法效果[J].中国法学,2018(2):228-247.
① 引自“最高人民法院(2011) 民提字第 344 号民事判决书”。
② 引自“最高人民法院( 2013) 民提字第135号民事判决书”。