第三章 抵押权..ppt

Article 203 For ensuring the payment of debts, an obligor or third party may provide mortgage security to the obligee for the obligees rights that will continuously happen within a certain term, and when the obligor fails to pay its/his due debts or any circumstance as stipulated by the parties concerned for realizing the mortgage right happens, the mortgagee has the right to seek preferred payments from the security properties within the maximum amount of obligees rights. The obligees rights existing prior to the establishment of the mortgage right at maximum amount may, upon the consent of the parties concerned, be incorporated into the scope of obligees rights under the mortgage security at maximum amount. ? （二）特点 1．在抵押权的从属性上具有特殊性 （1）存在上的从属性。最高额抵押权成立在先，而债权可能成立在后；而普通抵押权则债权成立在前，而抵押权成立在后。 （2）处分上的从属性。第二百零四条最高额抵押担保的债权确定前，部分债权转让的，最高额抵押权不得转让，但当事人另有约定的除外。（物权法） Article 204 Unless it is otherwise stipulated by the parties concerned, in case part of obligees rights are transferred prior to the establishment of the mortgage security at maximum amount, the mortgage right at maximum amount may not be transferred. （3）消灭上的从属性。 2．在抵押权的特定性上具有特殊性 3．在抵押权适用范围上具有特殊性 4．在抵押权实现上具有特殊性 （三）设定 1．最高额抵押权须为继续性法律关系中的不特定债权而设立 　2．当事人须订立最高额抵押合同 　　设立最高额抵押权，当事人须订立书面抵押合同。 最高额抵押合同与普通抵押合同的内容基本相同，所不同者在于，最高额抵押合同应订明以下两项内容：最高额和决算期。 3．设立最高额抵押权须进行登记 （四）最高额抵押权的效力 1．最高额抵押权所担保的债权范围 2．最高额抵押合同约款的变更 第二百零五条最高额抵押担保的债权确定前，抵押权人与抵押人可以通过协议变更债权确定的期间、债权范围以及最高债权额，但变更的内容不得对其他抵押权人产生不利影响。（物权法） Article 205 Prior to the determination of the obligees rights under the mortgage security at maximum amount, the mortgagee and the mortgagor may, upon agreement, alter the term for the determination of the obligees rights, the scope of obligees rights or the maximum amount of obligees rights, however, such alteration may not cause any unfavorable influence to any other mortgagee. 3．最高额抵押权的转让 (1 )在最高额抵押权所担保的债权确定后，抵押权应随同其所担保的债权一同转让。因为此时的最高额抵押权已经转变为普通抵押权，自应允许与主债权一同转让;(2 )在最高额抵押权所担保的债权额确定前，最高额抵押权只能与其基础法律关系同时转让。因为最高额抵押权亦具有从属性，其基础法律