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抵押合同应注意的法律风险有哪?_抵押担保_债权债务_捷律?/title>
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<div id="Title"> <h1><span id="lalTitle">抵押合同应注意的法律风险有哪?</span></h1></div>
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发布时间:<span id="lbInDate">2017/10/17 17:18:07</span> <span id="lbSource"></span><span id="lbAuthor"></span>
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<span id="lalContent"><p style="text-indent: 2em; text-align: left;"><strong>一、什么是抵押、抵押的法律效果是什?</strong></p><p style="text-indent: 2em; text-align: left;">抵押是指为担保债务的履行，债务人或者第三人不转移财产的占有，将该财产抵押给债权人的?/p><p style="text-indent: 2em; text-align: left;">抵押的法律效果是当债务人不履行到期债务或者发生当事人约定的实现抵押权的情形，债权人有权就抵押财产优先受偿?/p><p style="text-indent: 2em; text-align: left;"><strong>二、下列财产不得进行抵押，如果进行了抵押，该抵押无效?/strong></p><p style="text-indent: 2em; text-align: left;">1、土地所有权?/p><p style="text-indent: 2em; text-align: left;">2、耕地、宅基地、自留地、自留山等集体所有的土地使用权，但法律规定可以抵押的除外?、学校、幼儿园、医院等以公益为目的的事业单位、社会团体的教育设施、医疗卫生设施和其他社会公益设施?/p><p style="text-indent: 2em; text-align: left;">4、所有权、使用权不明或者有争议的财产；</p><p style="text-indent: 2em; text-align: left;">5、依法被查封、扣押、监管的财产?/p><p style="text-indent: 2em; text-align: left;">6、法律、行政法规规定不得抵押的其他财产?/p><p style="text-indent: 2em; text-align: left;"><strong>三、设立抵押权，当事人应当采取书面形式订立抵押合同?/strong></p><p style="text-indent: 2em; text-align: left;"><strong>四、下列财产抵押权自办理抵押登记时设立，未经办理抵押登记，抵押权人不享有抵押权(即抵押权人不得要求直接处分抵押物，并要求优先受偿)?/strong></p><p style="text-indent: 2em; text-align: left;">1、建筑物和其他土地附着物；</p><p style="text-indent: 2em; text-align: left;">2、建设用地使用权?/p><p style="text-indent: 2em; text-align: left;">3、以招标、拍卖、公开协商等方式取得的荒地等土地承包经营权?/p><p style="text-indent: 2em; text-align: left;">4、正在建造的建筑物?/p><p style="text-indent: 2em; text-align: left;"><strong>五、下列财产未经抵押登记，该抵押权不得对抗善意第三人?/strong></p><p style="text-indent: 2em; text-align: left;">1、生产设备、原材料、半成品、产品；</p><p style="text-indent: 2em; text-align: left;">2、正在建造的船舶、航空器?/p><p style="text-indent: 2em; text-align: left;">3、交通运输工具；</p><p style="text-indent: 2em; text-align: left;">4、企业、个体工商户、农业生产经营者用作抵押的生产设备、原材料、半成品、产品等动产?/p><p style="text-indent: 2em; text-align: left;"><strong>六、抵押权人在债务履行期届满前，不得与抵押人约定债务人不履行到期债务时抵押财产归债权人所有?/strong></p><p style="text-indent: 2em; text-align: left;">债务人不履行到期债务或者发生当事人约定的实现抵押权的情形，抵押权人可以与抵押人协议以抵押财产折价或者以拍卖、变卖该抵押财产所得的价款优先受偿。协议损害其他债权人利益的，其他债权人可以在知道或者应当知道撤销事由之日起一年内请求人民法院撤销该协议?/p><p style="text-indent: 2em; text-align: left;"><strong>七、抵押合同与租赁合同的关系?/strong></p><p style="text-indent: 2em; text-align: left;">1、订立抵押合同前抵押财产已出租的，原租赁关系不受该抵押权的影响?/p><p style="text-indent: 2em; text-align: left;">2、抵押权设立后抵押财产出租的，该租赁关系不得对抗已登记的抵押权?/p><p style="text-indent: 2em; text-align: left;"><strong>八、有多个抵押权的，按下列顺序清偿?/strong></p><p style="text-indent: 2em; text-align: left;">1、抵押权已登记的，按照登记的先后顺序清偿；顺序相同的，按照债权比例清偿?/p><p style="text-indent: 2em; text-align: left;">2、抵押权已登记的先于未登记的受偿?/p><p style="text-indent: 2em; text-align: left;">3、抵押权未登记的，按照债权比例清偿?/p><p style="text-indent: 2em; text-align: left;"><b> </b></p><p style="text-indent: 2em; text-align: left;">该建设用地使用权实现抵押权时，应当将该土地上新增的建筑物与建设用地使用权一并处分，但新增建筑物所得的价款，抵押权人无权优先受偿?/p><p style="text-indent: 2em; text-align: left;"><strong>十、抵押权的行使期间?/strong></p><p style="text-indent: 2em; text-align: left;">抵押权人应当在主债权诉讼时效期间行使抵押权；未行使的，人民法院不予保护?/p><p><br style="text-indent: 2em; text-align: left;"/></p></span>
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