“我有他房子做抵押，还怕要不回钱？”，结果……仙桃法院判了！
<div class="wx_rich_media_content" id="jsWxContainer"><section style='background: none 0% 0% / auto repeat scroll padding-box border-box rgb(237, 248, 255); box-sizing: border-box;' data-pm-slice="0 0 []"><section data-role="paragraph"><p style='font-size: 17px;line-height: 2em;text-indent: 2.17647em;margin-left: 10px;margin-right: 10px;'><span style='color: rgb(0, 0, 0); letter-spacing: 1.5px;'><span leaf="">“我有他房子做抵押，还怕要不回钱？”不少人在出借资金时，认为有房产抵押就像吃了“定心丸”，但在实践中，不少债权人却因忽视抵押权行使的时限要求，最终面临无法受偿的困境。那么，抵押权该何时行使呢？</span></span></p><p style='font-size: 17px;line-height: 2em;text-indent: 2.17647em;margin-left: 10px;margin-right: 10px;'><span style='color: rgb(0, 0, 0); letter-spacing: 1.5px;'><span leaf="">近日，仙桃法院依法审结一起涉及房屋抵押的民间借贷纠纷案件。</span></span></p></section><section data-role="paragraph"><section style='text-align:center;' nodeleaf=""></section></section><section data-role="paragraph"><p style='text-align: center;'><span leaf=""><br></span></p></section><section data-role="title" data-tools="135编辑器" data-id="165705"><section style='margin: 10px auto;display: flex;justify-content: flex-start;'><section><section style='display: flex;justify-content: flex-start;align-items: center;'><section style='flex-shrink: 0;'><section style='font-size: 18px;color: #fbd168;text-align:center;'><strong><span leaf="">Part 0</span></strong><strong data-original-title="" title=""><span leaf="">1</span></strong></section></section><section style='width: 55px;height: 1px;border-top: 1px solid #fde6ae;box-sizing:border-box;'><span leaf=""><br></span></section></section><section style='display: flex;align-items: center;'><section style='flex-shrink: 0;padding-right: 3px;box-sizing:border-box;'><section style='width: 35px;box-sizing:border-box;' nodeleaf=""></section></section><section style='background-color: #6daaff;padding: 4px;border-radius: 25px;padding-right: 30px;box-sizing:border-box;'><section style='background-color: #ffffff;border-radius: 25px;padding: 3px 20px 3px 20px;box-sizing:border-box;'><section style='font-size: 16px;color: #6daaff;text-align: center;'><strong data-brushtype="text"><span leaf=""><span textstyle='' style='font-size: 17px;'>案情简介</span></span></strong></section></section></section><section style='flex-shrink: 0;margin-left: -30px;'><section style='width: 45px;box-sizing:border-box;transform: rotate(45deg);-webkit-transform: rotate(45deg);-moz-transform: rotate(45deg);-o-transform: rotate(45deg);' nodeleaf=""></section></section></section></section></section></section><section data-role="paragraph"><section style='text-align:center;' nodeleaf=""></section></section><section data-role="paragraph"><p style='text-align: center; font-size: 17px; line-height: 2em; text-indent: 2.17647em; margin-left: 10px; margin-right: 10px;'></p><p style='font-size: 17px;line-height: 2em;text-indent: 2.17647em;margin-left: 10px;margin-right: 10px;'><span style='color: rgb(0, 0, 0); letter-spacing: 1.5px;'><span leaf=""><span textstyle='' style='letter-spacing: 2px;'>2022年1月，区某因资金周转困难向毛某借款100万元，并出具借条一张，约定借款期限为2022年1月至2023年1月。同时，双方签订不动产抵押合同，约定区某以其所有的房屋为案涉债务提供抵押担保，保证债权金额为100万元。次日，区某将该房屋办理了抵押登记，未载明抵押期间。后因区某未能按时返还借款，2025年9月，毛某遂诉至仙桃法院。</span></span></span></p></section><section data-role="title" data-tools="135编辑器" data-id="165705"><section style='margin: 10px auto;display: flex;justify-content: flex-start;'><section><section style='display: flex;justify-content: flex-start;align-items: center;'><section style='flex-shrink: 0;'><section style='font-size: 18px;color: #fbd168;text-align:center;'><strong><span leaf="">Part 02</span></strong></section></section><section style='width: 55px;height: 1px;border-top: 1px solid #fde6ae;box-sizing:border-box;'><span leaf=""><br></span></section></section><section style='display: flex;align-items: center;'><section style='flex-shrink: 0;padding-right: 3px;box-sizing:border-box;'><section style='width: 35px;box-sizing:border-box;' nodeleaf=""></section></section><section style='background-color: #6daaff;padding: 4px;border-radius: 25px;padding-right: 30px;box-sizing:border-box;'><section style='background-color: #ffffff;border-radius: 25px;padding: 3px 20px 3px 20px;box-sizing:border-box;'><section style='font-size: 16px;color: #6daaff;text-align: center;'><strong data-brushtype="text"><span leaf=""><span textstyle='' style='font-size: 17px;'>法院审理</span></span></strong></section></section></section><section style='flex-shrink: 0;margin-left: -30px;'><section style='width: 45px;box-sizing:border-box;transform: rotate(45deg);-webkit-transform: rotate(45deg);-moz-transform: rotate(45deg);-o-transform: rotate(45deg);' nodeleaf=""></section></section></section></section></section></section><section data-role="paragraph"><section style='text-align:center;' nodeleaf=""></section></section><section data-role="paragraph"><p style='text-align: center; font-size: 17px; margin-left: 10px; margin-right: 10px; line-height: 2em; text-indent: 2.17647em;'></p><p style='font-size: 17px;margin-left: 10px;margin-right: 10px;line-height: 2em;text-indent: 2.17647em;'><span style='color: rgb(0, 0, 0); letter-spacing: 1.5px;'><span leaf=""><span textstyle='' style='letter-spacing: 2px;'>仙桃法院经审理认为，合法的民间借贷关系受法律保护。区某未按照约定向毛某返还借款已构成违约，毛某有权要求区某偿还借款100万元并支付逾期利息。根据《中华人民共和国民法典》第四百一十九条规定，</span><span textstyle='' style='letter-spacing: 2px;color: rgb(255, 0, 0);font-weight: bold;'>“抵押权人应当在主债权诉讼期间行使抵押权”</span><span textstyle='' style='letter-spacing: 2px;'>，被告区某以其所有的房屋对案涉债务提供担保，并办理了抵押登记，虽未约定抵押期间，但</span><span textstyle='' style='letter-spacing: 2px;color: rgb(255, 169, 0);font-weight: bold;'>抵押权的受保护期间应与其担保的主债权的诉讼时效期间一致</span><span textstyle='' style='letter-spacing: 2px;'>。本案主债权的诉讼时效为三年，自2023年1月起开始计算，现原告毛某要求行使案涉房屋的抵押权，符合法律规定。</span></span></span></p><p style='font-size: 17px;margin-left: 10px;margin-right: 10px;line-height: 2em;text-indent: 2.17647em;'><span style='color: rgb(0, 0, 0); letter-spacing: 1.5px;'><span leaf=""><span textstyle='' style='letter-spacing: 2px;'>最终，法院判决区某向毛某偿还借款本金100万元并支付逾期利息，毛某对区某所有房屋享有抵押权，并有权以折价或拍卖、变卖所得价款优先受偿。</span></span></span></p><p style='font-size: 17px;margin-left: 10px;margin-right: 10px;line-height: 2em;text-indent: 2.17647em;'><span style='color: rgb(0, 0, 0); letter-spacing: 1.5px;'><span leaf=""><span textstyle='' style='letter-spacing: 2px;'><br></span></span></span></p></section><section data-role="paragraph"><section nodeleaf=""></section></section><section data-role="paragraph"><p style='font-size: 17px;margin-left: 10px;margin-right: 10px;line-height: 2em;text-indent: 2.17647em;'><span style='color: rgb(0, 0, 0); letter-spacing: 1.5px;'><span leaf="">为了保障债权安全，债权人通常会要求债务人提供房产等财产作为抵押，根据物权法定原则，不动产抵押权的期限应当与主债权诉讼时效一致，抵押权人应在主债权诉讼时效期间内，及时通过诉讼、仲裁等法定方式明确主张抵押权，并留存相关证据，避免因怠于行使权利而承担失权的不利后果。</span></span></p></section><section style='font-size: 17px;margin-left: 10px;margin-right: 10px;line-height: 2em;text-indent: 2.17647em;'><span leaf="" style='color: rgb(0, 0, 0); letter-spacing: 1.5px;'>抵押权人应密切关注主债权诉讼时效，及时行使抵押权，以维护自身合法权益。在经济活动中，无论是债权人还是债务人，都应充分了解相关法律规定，避免因对法律的误解而产生不利后果 。</span></section><section style='font-size: 17px;margin-left: 10px;margin-right: 10px;line-height: 2em;text-indent: 2.17647em;'><span leaf="" style='color: rgb(0, 0, 0); letter-spacing: 1.5px;'>1、债权人要在主债权诉讼时效期间（3年内）提起诉讼，起诉时不要漏掉抵押人、不要随意放弃“实现抵押权”的诉请，以避免今后不必要的麻烦。</span></section><section style='font-size: 17px;margin-left: 10px;margin-right: 10px;line-height: 2em;text-indent: 2.17647em;'><span leaf="" style='color: rgb(0, 0, 0); letter-spacing: 1.5px;'>2、如果债权人确因客观原因仅起诉债务人未起诉抵押人，未诉请实现抵押权的，一定要在判决生效后的申请执行期间（2年内）通过诉讼或非诉途径行使抵押权；过了2年，抵押权不受保护。</span></section><section style='font-size: 17px;margin-left: 10px;margin-right: 10px;line-height: 2em;text-indent: 2.17647em;'><span leaf="" style='color: rgb(0, 0, 0); letter-spacing: 1.5px;'>3、如果债务人破产的，债权人不能因为债务人“无产可破”或误认为始终享有抵押权保障而放弃申报债权；不申报或过了法院确定的债权申报期限的，抵押权不受保护。</span></section></section><section data-role="outer" label="edit by 135editor" data-pm-slice="7 4 []"><section data-role="paragraph" style='-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; text-align: justify; letter-spacing: 0.578px; font-family: system-ui, -apple-system, BlinkMacSystemFont, Arial, sans-serif; box-sizing: border-box !important;'><section data-role="paragraph" style='-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; box-sizing: border-box !important;'><section data-tools="135编辑器" data-id="164027" data-pm-slice="0 0 []" style='color: rgba(0, 0, 0, 0.9); font-size: 17px;'><section style='margin: 10px auto;display: flex;justify-content: center;'><section><section style='width: 30px; margin-right: auto; margin-bottom: -10px; margin-left: auto; box-sizing: border-box; transform: rotateZ(0deg);' nodeleaf=""></section><section style='display: flex;'><section style='flex-shrink: 0;'><section style='width: 15px;height: 12px;background-color: #8bd5fc;border-radius: 25px0 0 25px;box-sizing:border-box;'><span leaf=""><br></span></section><section style='width: 15px;height: 12px;background-color: #8bd5fc;border-radius: 25px0 0 25px;box-sizing:border-box;'><span leaf=""><br></span></section><section style='width: 15px;height: 12px;background-color: #8bd5fc;border-radius: 25px0 0 25px;box-sizing:border-box;'><span leaf=""><br></span></section></section><section style='background-color: rgb(139, 213, 252); padding-right: 15px; padding-left: 15px; display: flex; align-items: center; box-sizing: border-box;'><section><section style='font-size: 16px;color: #000000;text-align:center;'><strong data-brushtype="text"><span leaf="">END</span></strong></section></section></section><section style='flex-shrink: 0;'><section style='width: 15px;height: 12px;background-color: #8bd5fc;border-radius: 0 25px 25px 0;box-sizing:border-box;'><span leaf=""><br></span></section><section style='width: 15px;height: 12px;background-color: #8bd5fc;border-radius: 0 25px 25px 0;box-sizing:border-box;'><span leaf=""><br></span></section><section style='width: 15px;height: 12px;background-color: #8bd5fc;border-radius: 0 25px 25px 0;box-sizing:border-box;'><span leaf=""><br></span></section></section></section></section></section></section><p style='color: rgba(0, 0, 0, 0.9); font-size: 17px; -webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: normal; box-sizing: border-box !important;'><span style='-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; letter-spacing: 0.5px; font-size: 15px; color: rgb(0, 0, 0); box-sizing: border-box !important;'><span style='-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; box-sizing: border-box !important;'><span leaf=""><br></span></span></span></p><p style='-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; clear: both; min-height: 1em; line-height: normal; box-sizing: border-box !important;'><span style='-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; letter-spacing: 0.5px; box-sizing: border-box !important;'><span style='-webkit-tap-highlight-color: transparent; outline: 0px; max-width: 100%; box-sizing: border-box !important;'><span leaf="" style=''><font size="1" style='' color="#c0c0c0">来源/湖北省仙桃市人民法院</font></span></span></span></p></section></section><section data-tools="135编辑器" data-id="97253"><section style='margin: 10px auto;'><section style='width:50%;margin-left:50%;margin-top:5px;box-sizing:border-box;max-width:50% !important;' data-width="50%" nodeleaf=""></section></section></section></section><p style='display: none;'><mp-style-type data-value="3"></mp-style-type></p></div><p></p>
页:
[1]