Case of Dispute of Loan Contract and Mortgage Contract: Urban Credit Cooperative of Jingzhou Autonomous County Inhabited by Miao and Dong Ethnic Groups in Hunan Province V. Yang Longzhang
PROCEDURAL POSTURE
On March 18,1997, the Urban Credit Cooperative of Jingzhou Autonomous County Inhabited by Miao and Dong Ethnic Groups, in Hunan Province (hereinafter refereed to as "UCC"), and Yang Longzhang entered into a loan contract and a mortgage contract which provided that: UCC should loan to Yang a six-month RMB 2,225,000 with a 9.24% rate per month while Yang had to mortgage a six-story house, which is located at Hongxing West Road, Quyang town, Jingzhou County, for the loan. However, Yang Longzhang failed to pay the loan on Sep.17, 1997 when the loan became due, so UCC filed an action against him in Jingzhou People's Court. During the trial of the case, Zou Benjie, the legal representative of UCC, entered into a refunding agreement with Yang Longzhang on Oct. 13, 1997 which provided that: "Yang shall balance the second story of the said house against the UCC's loan at the judicial expertise price made by Intermediate People's Court of Huaihua Prefecture, any overpayment shall be refunded and any difference in price shall be demanded a supplemental payment. Yang should bear the transfer formalities and the required taxes hereof". On Nov. 10, 1997, Office of Judicial Expertise Technology under Huaihua Intermediate People's Court appraised the said house and issued (1997) Huaizhongfafangjianzi No.53 judicial expertise, which held that the said story was worth RMB398, 300(including the land price). People's Court of Jingzhou County found that: the loan contract and the mortgage contract, made between UCC and Yang Longzhang on March18, 1997, were valid because both parties' true wills were declared in them and the contracts were in line with the law; Yang Longzhang should pay off the loan for the refunding agreement's validity, it also held that Yang's claim for UCC to refund the price difference of the house based on their agreement should be supported. Therefore, the court entered (1998) Jingminchuzi No.133 civil judgment which read as follows:"1. Yang shall convert the second story of a six-story house, located at Hongxing West Road, Quyang Town, Jingzhou County, into money to pay off the principal RMB225, 000 and the interest RMB16, 600 hereon (total: RMB 241, 600) that he owned to UCC, and he shall render the transfer papers and the land use certificate to UCC within 30 days upon the judgment's coming into effect, and he shall bear the required taxes and cost thereof.2. As to the price difference of the house RMB 156, 700 that UCC owned to Yang, UCC shall pay RMB86, 700 to Yang within 15 days after the judgment comes into effect and pay the left RMB70, 000 to him within 30 days after the judgment comes into effect.3. As to the court acceptance fee RMB 14,700, UCC shall bear RMB8, 500 and Yang shall bear the left."
．．．．．． | | 湖南省靖州苗族侗族自治縣城市信用社訴楊隆璋借款抵押合同糾紛案
1997年3月18日，湖南省靖州苗族侗族自治縣城市信用社（以下簡稱城市信用社）與楊隆璋簽訂了一份借款合同及抵押合同，合同約定：由城市信用社貸款22．5萬元給楊隆璋，月利率為9．24?，借款期限六個月，楊隆璋用座落于靖州縣渠陽鎮紅星西路一棟六層樓的房屋作為抵押擔保。1997年9月17日，貸款到期後，楊隆璋未償還貸款，城市信用社訴之于靖州縣人民法院。在該案審理過程中，城市信用社的法人代表鄒本傑與楊隆璋于1997年10月13日達成《償還債務協議》，協議約定：由楊隆璋用抵押房屋中的第二層全層折價抵給城市信用社，折價金額以懷化地區中級人民法院司法技術鑒定價格為准，多退少補。房屋過戶手續及所需稅費由楊隆璋負擔。1997年11月10日由懷化地區中級人民法院司法技術鑒定室對房屋進行了鑒定，作出了（1997）懷中法房鑒字第53號司法技術鑒定。鑒定認為該層樓房價值（含地價）為39．83萬元。靖州縣法院審理認為：城市信用社與楊隆璋1997年3月18日所簽訂的借款合同及抵押合同系雙方當事人的真實意思表示，且符合法律政策規定，借款合同、抵押合同合法有效。城市信用社的法定代表人鄒本傑與楊隆璋所簽訂的《償還債務協議》合法有效，楊隆璋欠貸未還無理，應予以償還。雙方協議將抵押物中的第二層折價抵給城市信用社，楊隆璋要求城市信用社給付房屋差價款的請求，本院予以支持。據此靖州縣法院以（1998）靖民初字第133號民事判決：（一）楊隆璋所欠城市信用社貸款本金22．5萬元及利息1．66萬元，共計24．16萬元，由楊隆璋用其座落在靖州縣渠陽鎮紅星西路的一棟六層房屋中的第二層折價償還，楊隆璋于本判決生效後30日內將房過戶手續及土地使用權證書交給城市信用社，所需稅費由楊隆璋承擔。（二）城市信用社所欠楊隆璋房屋差價款15．67萬元，城市信用社于判決生效後15日內付給楊隆璋8．67萬元，余款7萬元于本判決生效後30日內付清。（三）案件受理費1．47萬元，由城市信用社負擔0．85萬元，楊隆璋負擔0．62萬元。
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