抵押权主合同期限变更登记的法律研究  

Term Changed Registration Legal Research on Mortgage Master Contract

作　　者：石晨谊[1] SHI Chenyi(Real Estate Registration Board of Fujian Land and Resources Department,Fu Zhou 350001,China)

机构地区：[1]福建省国土资源厅不动产登记局,福州350001

出　　处：《中国国土资源经济》2018年第7期24-26,34,共4页Natural Resource Economics of China

基　　金：2017年度福建省不动产单元编码示范推广与集成应用(2017111106655)

摘　　要：《不动产登记暂行条例实施细则》规定,因被担保债权主债权的债务履行期限发生变更申请抵押权变更登记时,如果该抵押权的变更将对其他抵押权人产生不利影响的,还应该提交其他抵押权人书面同意的材料。由于其他债权人的同意难以取得,这种做法导致先顺位抵押权的银行在办理续贷时陷入两难境地。文章以传统民法理论为依据,通过比较法研究,梳理了当前我国关于抵押权的相关规定,认为即使抵押权人超过被担保主债权诉讼时效行使抵押权,也不会发生抵押权消灭的法律后果,被担保主债权履行期限变更并不影响其他抵押权人的利益,不动产登记机构办理变更登记时不应要求提交其他抵押权人书面同意。Due to The Interim Regulations on Real Estate Registration Rules,when the debt performance period of the secured creditor's right has changed,applying for registration of mortgage change,the written consents of other mortgagees should be submitted,if it has adverse effects on other mortgagees.For the difficulties of the consents of other creditors,the bank with the mortgage right first also has difficulties on renew loans.On the basis of traditional theory of civil law,this paper sorted out the relevant regulations on mortgage right in China,with the study of comparative method,considering that the mortgagee claimed his exceed limitation mortgage right,the legal consequences of foreclosure would not occur,and the other mortgagees’interests would not be affected by the changing of the mortgage master contract,also the written consents of other mortgagees should not be required when handling the changing registration.

关 键 词：债务履行期限 抵押权变更登记 顺位抵押 诉讼时效 

分 类 号：F301.2[经济管理—产业经济] F062.1