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新都夫妻贷款买房拒不还按揭 涉案房屋被司法拍卖
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Topic: 新都夫妻贷款买房拒不还按揭 涉案房屋被司法拍卖 (Read 323 times)
Emphatic
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新都夫妻贷款买房拒不还按揭 涉案房屋被司法拍卖
July 07, 2017, 01:35:16 AM
#1
原标题:新都夫妻贷款买房拒不还按揭 涉案房屋被司法拍卖
四川新闻网成都7月4日讯(刘淋�I 记者 周子铭)唯一住房能否被强制执行在法学专业圈子里已有相对统一的认识,但实践中仍有某些被执行人以此来对抗法院强制执行。7月4日,四川新闻网记者从成都市新都区人民法院了解到,在近日开庭的一起执行异议案中,被告人夫妻以被执行房屋为家中唯一住房为由,提出执行异议。新都法院一审认为,人民法院在执行程序中保障的是被执行人的居住权而非房屋所有权,驳回了被执行人的异议请求。
据办案法官介绍,被告人蔡某和吴某系夫妻关系,2013年与成都银行签订了《个人房产按揭借款合同》。合同约定蔡某和吴某因购房向成都银行借款人民币550000元,借款期限20年,还款方式为按月还本付息,并自愿用购买的房屋作为借款抵押。该合同经成都公证处公证并依法赋予强制执行效力。后蔡某和吴某多次拒不偿还按揭,成都银行遂向成都公证处申请执行证书,并持执行证书向新都法院申请强制执行。新都法院依法查封抵押房屋,并在司法评估后,启动司法拍卖。但蔡某和吴某以此房屋系其家庭唯一住房,向新都法院提出执行异议。提出异议后,新都法院中止司法拍卖。
新都法院一审认为,人民法院在执行程序中保障的是被执行人的居住权而非房屋所有权。依据相关法律规定,在保障被执行人及其所扶养家属符合相应条件的居住房屋或居住条件后,仍可对被执行人名下登记的唯一房屋予以执行。而本案中的成都银行同意按照司法解释规定从房屋变价款中扣除相应金额的租金以保障蔡某、吴某及其所扶养家属的基本居住条件,故法院在依法制定相应居住保障方案后,可以依法对涉案房屋恢复司法拍卖。最终法院裁定驳回被执行人蔡某、吴某的异议请求。
法官说法:
唯一住房并非被执行人“挡箭牌”
该案承办法官表示,该案主要争议点是唯一住房能否被法院强制执行。
《最高人民法院关于人民法院民事执行中查封、扣押、冻结财产的规定》第六条规定表明,人民法院在执行程序中保障被执行人及其所扶养家属符合相应条件的居住房屋或居住条件后,仍可对被执行人名下登记的唯一房屋予以执行。
本案中执行申请人同意从房屋变价款中扣除相应金额的租金以保障被执行人及其所扶养家属的基本居住条件,故法院可以做出拍卖决定。
承办法官表示,人民法院在执行程序中保障的是被执行人的居住权而非房屋所有权,所保障的居住权必须是维持被执行人及其所扶养家属生活必须的,而且这个保障是有期限的,债权人对债务人生存权的保障是应急性的。希望大家在发生借贷关系时,遵循诚实守信原则,若想以法律对生存权的保障来逃避执行是行不通的。
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Jenny Moll
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Merit: 500
Re: 新都夫妻贷款买房拒不还按揭 涉案房屋被司法拍卖
July 07, 2017, 01:43:24 AM
#2
诚实守信还是必须的,买不起就不要买。
amosst
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Activity: 87
Merit: 10
Re: 新都夫妻贷款买房拒不还按揭 涉案房屋被司法拍卖
July 07, 2017, 03:43:45 AM
#3
太搞笑了,以为不还贷款房子一样是你的吗?,太天真
andress
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Re: 新都夫妻贷款买房拒不还按揭 涉案房屋被司法拍卖
July 07, 2017, 04:25:58 AM
#4
总感觉这是个笑话,好吧,忍不住了
owenshiop
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Re: 新都夫妻贷款买房拒不还按揭 涉案房屋被司法拍卖
July 07, 2017, 04:43:22 AM
#5
有意思
Guiouy
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Activity: 56
Merit: 0
Re: 新都夫妻贷款买房拒不还按揭 涉案房屋被司法拍卖
July 07, 2017, 07:56:14 AM
#6
真是人才
bancroftS
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Activity: 54
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Re: 新都夫妻贷款买房拒不还按揭 涉案房屋被司法拍卖
July 07, 2017, 07:58:57 AM
#7
以为不能强制执行
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