担保法批复

To the People's High Court of Sichuan Province:     四川省高级人民法院: We hereby acknowledge the receipt of the Request for Instructions on Understanding and Applying Article 59 numbered Chuan Gao Fa [2005] 496. Through discussions, we hereby reply as follows:     你院川高法[2005]496号《关于对<最高人民法院关于适用《中华人民共和国担保法》若干问的解释>第五十九条的理解与适用的请示》收悉。经研究,答复如下: Pursuant to Article 41 and Paragraph 2 of Article 43 of The Guaranty Law of the People's Republic of China, if a mortgaged property is not registered but should be, then that mortgage right shall be deemed false; if a mortgaged property was supposed to be registered voluntarily, but was not actually registered, then the party involved may not defend against the claims of the third party. In the event that a mortgage party is unable to register, for reasons attributable to registration authorities, then this shall be deemed a special case, and if the mortgagor thereby delivers the certificate of right to the creditor, the people's court may deem that mortgage contract binding, based on the true intentions of the mortgaging parties, provided that the mortgage is unbinding on the third party.     根据《中华人民共和国担保法》第四十一条、第四十三第二款,应当办理抵押物登记而未经登记的,抵押权不成立;自愿办理抵押物登记而未办理的,抵押权不得对抗第三人。因登记部门的原因致使当事人无法办理抵押物登记是抵押未登记的特殊情形,如果抵押人向债权人交付了权利凭证,人民法院可以基于抵押当事人的真实意思认定该抵押合同对抵押权人和抵押人有效,但此种抵押对抵押当事人之外的第三人不具有法律效力。 The reply is hereby made.     此复。