不动产买卖型担保合同的法律分析

The Legal Analysis of Real Estate Sales Guarantee Contracts

《最高人民法院关于审理民间借贷案件适用法律若干问题的规定》第24条倾向于否认买卖型担保合同的效力。但实践中买卖型担保合同的法律性质和效力仍存在争议,甚至在《民法典》的两次草案中也出现了不同的规定。该种合同不属于通谋虚伪表示,可将其分为先移转所有权、后移转所有权来具体讨论。仅有危害第三人利益可能的前种债权人负有清算义务;后一种实际不触犯流押禁止条款,应在原则上被认定为有效。

Article 24 of The Provisions of the Supreme People's Court on Several Issues concerning the Application of Law in the Trial of Private Lending Cases tends to deny the validity of a sales contract of pledge.However,in practice,there are still disputes about the legal nature and validity of the contract,even in the two drafts of Civil Code.The guarantee contracts do not belong to the false representation and should be discussed according to the specific circumstances that can be divided into transfer ownership first and transfer ownership after.Only the first kind of creditor who may harm the interests of the third party is liable for liquidation.In principle,the second shall be deemed to be valid if the contract do not violate the detention prohibition clause.