摘要
不动产居住权和抵押权可以竞存,因其具备法理、经济、权利和权能基础。依据物权优先效力的普适性,居住权与抵押权的实现位序应遵从公示时间优先的基本原则。居住权在先公示时,抵押权设立无需居住权人同意,在抵押权实现时抵押物买受人需继受不动产上设立的居住权;抵押权在先公示时,抵押人应对居住权的设立履行通知义务,居住权在影响抵押权实现时应当予以除去。为更好地保护抵押权人利益,可构建抵押物禁止处分特约登记制度,助力抵押权人利益保护从事后救济转变为事前预防;亦可依托第三人代为履行制度,在增加抵押权人利益保护路径的前提下,实现多方利益平衡。
The rights of residence and mortgage of real estate can competitively exist because they have the basis of jurisprudence,economics,rights and powers.According to the universality of the priority effect of real right,the realization sequence of rights of residence and mortgage should follow the basic principle of publicity time priority.When the residency right is publicized firstly,the establishment of the mortgage right does not need the consent of the residency right holder,and the buyer of the mortgaged property needs to inherit the residency right established on the real estate when the mortgage right is realized.When the mortgage right is publicized firstly,the mortgagor should perform the obligation of notification for the establishment of the right of residence,and the right of residence should be removed when it affects the realization of the mortgage right.In order to better protect the interests of the mortgagee,a special registration system should be constructed for the prohibition of disposal of mortgaged property,so as to help the protection of the interests of the mortgagee from post relief to pre-prevention.It can also rely on the third-party performance system to achieve multi-party interest balance on the premise of increasing the interest protection path of the mortgagee.
作者
陈少强
CHEN Shaoqiang(Law School,Southeast University,Nanjing 211189,Jiangsu,China)
出处
《沈阳工业大学学报（社会科学版）》
2023年第6期575-583,共9页
Journal of Shenyang University of Technology(Social Sciences)
基金
国家社会科学基金项目(20BFX102)。
关键词
居住权
抵押权
竞存
实现位序
residence right
mortgage right
competitive existence
realization sequence
