试论合并审理在商品房买卖合同案中的必要性

The Study on the Neccessity of the Amalgamate Adjudication in the Case of Real Estate Contracts

房地产开发项目停工后 ,商品房无法交付 ,按揭银行先起诉购房户要求提前收回贷款本息 ,购房户后起诉房地产商和按揭银行要求解除商品房买卖合同和商品房贷款合同。两案应否合并审理 ,司法解释未明确规定。笔者认为 ,两案应合并审理或中止商品房贷款合同案诉讼。不合并审理或中止诉讼 ,直接剥夺了司法解释赋予购房人要求房地产开发商直接返还购房贷款的权利。将导致两案判决发生直接冲突。合并审理或中止诉讼能提高审判效率 ,减轻当事人诉累。符合“商品房买卖司法解释”惩罚过错方并保护弱势群体购房户合法权益的宗旨和目的。

The write in this article expresses that the amalgamate adjudication should be carried out for the loan contract of real estate and the selling contract of real estate or discontinue the adjudication of the loan contract of real estate. Because the amalgamate adjudication and the discontinue of the precedure can improve the efficiency of adjudication and reduce the cost of litigant. It meets the purpose to protect the legal rights of the real estate buyers as the disadvantaged group.