“一般抵押权”和“最高额抵押权”的区别和相关双语法规

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一般抵押权的英文表达为General Mortgage,根据民法典第394条中对“一般抵押权”的解释: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,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,债权人有权就该财产优先受偿。债务人或者第三人为抵押人(mortgagor),债权人为抵押权人(mortgagee),提供担保的财产为抵押财产(mortgaged property)。

最高额抵押权的英文表达为Maximum Mortgage for Floating Claims,根据面法典第420条中对“最高抵押权”的解释:为担保债务的履行,mortgagor对一定期间内将要连续发生的债权提供担保财产的,mortgagor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,mortgagee有权在最高债权额(the maximum amount of the claims)限度内就该担保财产优先受偿(be paid in priority)。最高额抵押权设立前已经存在的债权,经当事人同意,可以转入最高额抵押担保的债权范围。


一般抵押权和最高抵押权相关双语法规:

《中华人民共和国民法典》第三百九十五条:

债务人或者第三人有权处分的下列财产可以抵押:

(一)建筑物和其他土地附着物;buildings and other things attached to the land;

(二)建设用地使用权;the right to use a lot of land for construction purposes;

(三)海域使用权;the right to use the sea areas;

(四)生产设备、原材料、半成品、产品;production equipment, raw materials, work in process, and finished products;

(五)正在建造的建筑物、船舶、航空器;buildings, vessels, and aircraft under construction;

(六)交通运输工具;vehicles for transport; and

(七)法律、行政法规未禁止抵押的其他财产。other property not prohibited by laws or administrative regulations from being mortgaged.

《中华人民共和国民法典》第三百九十九条:

下列财产不得抵押:

(一)土地所有权;land ownership;

(二)宅基地、自留地、自留山等集体所有土地的使用权,但是法律规定可

以抵押的除外;the right to use the land owned by a collective, such as house sites, land and hills retained for household use, unless it may be mortgaged as provided by law;

(三)学校、幼儿园、医疗机构等为公益目的成立的非营利法人的教育设施、

医疗卫生设施和其他公益设施;educational facilities, medical and health facilities, and other public welfare facilities of non-profit legal persons established for public welfare purposes, such as schools, kindergartens, and medical institutions;

(四)所有权、使用权不明或者有争议的财产; property of which the ownership or right to the use is unclear or disputed;

(五)依法被查封、扣押、监管的财产;property that has been seized, detained, or placed under custody in accordance with law; and

(六)法律、行政法规规定不得抵押的其他财产。other property that may not be mortgaged as provided by laws or administrative regulations.

《中华人民共和国民法典》第四百二十一条:

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,但是当事人另有约定的除外。

Before the claims secured by the maximum mortgage for floating claims are ascertained, where part of the claims is transferred, the mortgage may not be transferred unless otherwise agreed by the parties.

《中华人民共和国民法典》第四百二十二条:

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。但是,变更的内容不得对其他抵押权人产生不利影响。

Before the claims secured by a maximum mortgage for floating claims are ascertained, the mortgagee and the mortgagor may change by agreement the period of time for the ascertainment of the claims, the scope of the claims, and the maximum amount of the claims, provided that such changes may not adversely affect other mortgagees.


参考双语例句:

To assist, financially or otherwise, corporations (including subsidiaries and associates), firms, syndicates, associations, charitable institutions, individuals, and others and in connection therewith or with any other transaction or operation whatsoever, to give or enter into any guarantee, indemnity, undertaking or other obligation for the payment of money or for the performance of any other undertaking or obligation; without limiting the generality of the - 3 foregoing, the Company may secure any such guarantee, indemnity, undertaking or obligation by any debenture, mortgage, charge or lien over its assets and undertakings or any part thereof.

协助(财政上或于其他方面)法团(包括附属公司及聯营公司)商号银团组织慈善机构个人及其他,并为支付款项或履行任何其他承諾或责任而就彼等或任何其他交易或经营给予或达成任何担保弥偿承諾或其他责任;在不局限于上述一般性原则下,本公司可透过任何债权证按揭抵押或留置权保障其资产及财产及其任何部分的担保弥偿承諾或责任。

发布于 2022-03-30 17:01:58
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