Xử lý tài sản thế chấp trong trường hợp thế chấp quyền sử dụng đất mà không thế chấp tài sản gắn liền với đất

'7hi hdnh phdp ludt S6 4 (325)-2019

XUf LY TAI SAN THE CHAP TRONG TROfilNG HjfP

THE CHAP QUYEN SJJf DUNG DAT MA KHONG THE'CHA P

TAI SAN GAN LIEN Vdl DAT

• ThS. LY VAN TOAN*

ThS. V6 MINH TRieU** & NGUY6 N THI THO Y HAN G ***

Tdm tSt: Bdi viil neu len nhu-ng vdn de khi xu iy ldi sdn ihi chdp trong truang hap the chdp quyen sir

dung ddt md khong the chdp tdi sdn gdn liin vdi ddt, tu do dua ra mpt so gidi phdp nhdm hodn thi^n quy

dinh phdp ludt ve vdn de ndy.

Abstract: This paper is aimed at explaining issues of handling mortgaged land use right without

mortgage of land-allached assets, from that point, puts forward some solutions for completing legal

pivvisions regarding this problem.

1. Trudng hgp tai san tren dat thudc sd hfl'u

cua ben the chap

Khi tai san tren dat ciing thudc sd huu ciia ben

the chap, cau hdi dat ra la tai san tren dat cd thudc

tai san the chap khdng? Tra ldi cau hdi nay cd he

qua quan trpng: Neu la tai san the chap, ngudi

nhgn thi chap dugc quyen xu ly ca cac tai san

tren dat va dugc uu tien thanh toan ddi vdi khoan

tiin thu dugc tir vipc xu ly tai san khi vipc the

chap cd hieu lyc ddi khang vdi ngudi thii ba.

Theo khoan I Dieu 342 Bp luat Dan sy nam

2005, "trong trudng hgp the chap toan bg bat

dpng san, dpng san cd vat phu thi vat phy cua bat

dpng san, ddng san dd ciing thudc tai san the

chap". Quy djnh nay dugc duy tri trong Bp luat

Dan sy nam 2015 vdi mgt sd thay ddi tai khoan 1

Diiu 318, theo dd, "trudng hgp thi chap toan bg

bat dpng san, dpng san cd vat phy thi vat phy ciia

bat dpng san, dpng san dd ciing thupc tai san the

chap, trir trudng hgp cd thda thuan khac". Quyin

EH Ddn ChCi & Phdp lu$t

sii dung dit la bit dpng san va tai san tren dat la

cac "vat" nhung vat nay cd la "vat phu" hay

khdng thi Bg lugt Dan sy chua quy djnh rd.

Trudc day, khoan 2 Diiu 716 Bo lugt Dan su

nam 2005 quy djnh: "Trudng hgp ngudi su dung

dat the chap quyen sir dyng dat thi nha, cdng trinh

xay dyng khac, rimg trdng, vudn cay va cac tai

san khac ciia ngudi the chap gan lien vdi dat chi

thupc tai san the chap, neu cd thda thuSn". Vdi

npi dung nay, tai san tren dat chi trd thanh tai san

the chap khi "cd thda thugn". Dieu luat tren

khdng dugc giii lgi trong Bg luat Dan sy nam

2015 va thay vao do la quy djnh tai khoan 3 Dieu

318 vdi ndi dung: "Trudng hgp thi chap quyin s^

dyng dat ma tai san gin lien vdi dat thugc quyen

sd hihi ciia ben the chap thi tai san gan lien vdi

dit ciing thuOc tai san thi chip, trii trudng hgp co

thda thugn khac". Quy djnh nay theo hudng "tai

san gan lien vdi dat ciing thugc tai san the chap"

ma khdng ddi hdi la phai "cd thda thuan". Dieu

• Tda dn nhdn ddn huyin Chdu Thdnh. tinh Kiin Giang

** Toa dn nhdn ddn link Kien Giang