“停贷潮”中买受人的法律困境与破解  

Legal Dilemmas Faced by Homebuyers in"Mortgage Halts"and Solutions

作　　者：冷传莉[1] 王宗峰 Leng Chuanli;Wang Zongfeng(School of Law,Guizhou University,Guiyang 550025,China)

机构地区：[1]贵州大学法学院,贵州贵阳550025

出　　处：《贵州警察学院学报》2023年第4期3-11,共9页Journal of Guizhou Police College

基　　金：贵州省普通本科高校课程思政教学改革研究项目(黔教函[2021]116号-2)。

摘　　要：近期商品房烂尾致使买受人强制停贷引发普遍关注。商品房预售制度设计较为片面,缺乏对弱势方利益的衡平考量,加之“有形之手”监管不力,商品房预售中买受人的权利无法得到应有的保障。为修补制度失衡,司法实践可适用公平原则与情事变更以妥当保护买受人利益。强制停贷买受人救济路径之选择,因商品房买卖合同是否继续存续而异,未解除合同适用情事变更;解除合同则适用公平原则,共担风险,减少损失。Recently,the phenomenon of homebuyers being forced to halt mortgage payments due to the stalled construction of pre-sold commercial housing has attracted widespread attention.The design of the pre-sale system for commercial housing is relatively one-sided,lacking in equitable consideration of the interests of vulnerable parties,and the supervision by"visible hands"is ineffective.As a result,the homebuyers'interests in pre-sales of commercial housing cannot get adequate protection.In order to address imbalances within the system,the principle of fairness or change of circumstances may be applied in judicial practice to properly protect the interests of homebuyers.The choice of remedy paths for homebuyers participating in"mortgage halts"varies according to whether the sale contract for commercial housing continues to exist.In cases where the contract is still in force,change of circumstances can be invoked,while in cases where the contract is terminated,the principle of fairness shall be applied,allowing for shared risks and reduced losses.

关 键 词：“停贷潮” 商品房预售 合同解除 公平原则 情事变更 

分 类 号：D922.298[政治法律—经济法学]