【以案普法】男子为买房“假结婚”，意外身亡后留下900万的房贷！两位“妻子”谁来还
<section><section powered-by="xiumi.us" style="outline: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;"><section powered-by="xiumi.us" style="outline: 0px;max-width: 100%;box-sizing: border-box;line-height: 1.75;letter-spacing: 2px;overflow-wrap: break-word !important;"><section style="outline: 0px;max-width: 100%;box-sizing: border-box;text-align: center;white-space: normal;line-height: 2em;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box;letter-spacing: 1px;overflow-wrap: break-word !important;">男子“假结婚”买房后身亡</span></section><section style="outline: 0px;max-width: 100%;box-sizing: border-box;text-align: center;white-space: normal;line-height: 2em;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box;letter-spacing: 1px;overflow-wrap: break-word !important;">900万房贷无人偿还</span></section><section style="outline: 0px;max-width: 100%;box-sizing: border-box;text-align: center;white-space: normal;line-height: 2em;overflow-wrap: break-word !important;"><span style="outline: 0px;max-width: 100%;box-sizing: border-box;letter-spacing: 1px;overflow-wrap: break-word !important;">那么问题来了！</span></section><section style="outline: 0px;max-width: 100%;box-sizing: border-box;text-align: center;white-space: normal;line-height: 2em;overflow-wrap: break-word !important;"><span style="letter-spacing: 1px;color: rgb(123, 12, 0);"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;">贷款该由谁还？</strong></span></section><section style="outline: 0px;max-width: 100%;box-sizing: border-box;text-align: center;white-space: normal;line-height: 2em;overflow-wrap: break-word !important;"><span style="letter-spacing: 1px;color: rgb(123, 12, 0);"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;"><span style="color: rgb(123, 12, 0);letter-spacing: 1px;outline: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;">是“原配”还是“</span>现任”？</strong></span><strong style="outline: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;"></strong></section></section><section powered-by="xiumi.us" style="margin-top: 10px;margin-bottom: 10px;outline: 0px;max-width: 100%;box-sizing: border-box;text-align: center;overflow-wrap: break-word !important;"><section style="outline: 0px;max-width: 100%;box-sizing: border-box;vertical-align: middle;display: inline-block;line-height: 0;overflow-wrap: break-word !important;"><div style="text-align:center"></div></section></section><section powered-by="xiumi.us" style="outline: 0px;max-width: 100%;box-sizing: border-box;line-height: 1.75;letter-spacing: 2px;overflow-wrap: break-word !important;"><section style="outline: 0px;max-width: 100%;box-sizing: border-box;white-space: normal;line-height: normal;overflow-wrap: break-word !important;"><br></section></section><section style="box-sizing: border-box;font-size: 16px;"><section style="text-align: center;justify-content: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 36%;vertical-align: top;height: auto;box-sizing: border-box;"><section style="margin-top: 0.5em;margin-bottom: 0.5em;box-sizing: border-box;" powered-by="xiumi.us"><section style="background-color: rgb(116, 159, 238);height: 1px;box-sizing: border-box;"><br></section></section></section></section><section style="margin: 10px 0%;box-sizing: border-box;line-height: 2em;"><section style="display: inline-block;width: 100%;vertical-align: top;background-color: rgba(116, 159, 238, 0.1);padding: 34px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><section style="box-sizing: border-box;font-size: 16px;"><section style="text-align: center;justify-content: center;margin-top: 10px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: auto;vertical-align: top;background-color: rgb(248, 249, 253);min-width: 10%;max-width: 100%;height: auto;padding: 12px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="box-sizing: border-box;"><span style="background-color: rgb(255, 76, 65);"><strong style="color: rgb(255, 255, 255);text-align: center;white-space: normal;">案情回顾</strong></span></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 122, 170);"><strong>没有买房资格的他</strong></span></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 122, 170);"><strong>打起了朋友妻的主意</strong></span></p></section></section></section><section style="text-align: center;justify-content: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 13px 8px 0px;border-color: rgb(132, 180, 238) rgba(255, 255, 255, 0) rgb(251, 133, 129);box-sizing: border-box;"><section><svg viewBox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><p style="box-sizing: border-box;"><span style="color: rgb(0, 0, 0);font-size: 17px;letter-spacing: 1px;"> 2016年，黄某想在上海买房，却被购房资格限制住了。在和朋友陈某的一次聊天中，无意中得知陈某的妻子王某已连续缴纳满5年社保，拥有购房资格。于是黄某萌生了“假结婚”买房的念头，把主意打到了朋友老婆身上。</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> 于是，黄某和陈某商量，“借”王某一用，通过“假结婚”实现自己买房的目的。就这样，黄某与原配妻子耿某离婚，陈某与妻子王某也离了婚。次日，黄某就和王某登记结婚，成了法律上的夫妻。</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"></span></p><div style="text-align:center"></div><p></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><section style="box-sizing: border-box;font-size: 16px;"><section style="text-align: center;justify-content: center;margin-top: 10px;margin-right: 0%;margin-left: 0%;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: auto;vertical-align: top;background-color: rgb(248, 249, 253);min-width: 10%;max-width: 100%;height: auto;padding: 12px;box-sizing: border-box;"><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="box-sizing: border-box;"><span style="font-size: 17px;"><strong><span style="color: rgb(0, 122, 170);">抵押贷款买到房</span></strong></span></p><p style="box-sizing: border-box;"><span style="font-size: 17px;"><strong><span style="font-size: 17px;color: rgb(0, 122, 170);">他与“原配”复婚</span></strong></span></p></section></section></section><section style="text-align: center;justify-content: center;box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block;width: 0px;height: 0px;vertical-align: top;overflow: hidden;border-style: solid;border-width: 13px 8px 0px;border-color: rgb(132, 180, 238) rgba(255, 255, 255, 0) rgb(251, 133, 129);box-sizing: border-box;"><section><svg viewBox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><p style="box-sizing: border-box;"><span style="color: rgb(0, 0, 0);font-size: 17px;letter-spacing: 1px;"> 在经过一系列“骚”操作之后，黄某顺利通过贷款购得了房产，随后也和朋友陈某一起各自与原配复婚。</span><br></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> 前两年黄某按时每月偿还房贷，然而2019年12月15日，黄某死亡，此后便无人继续偿还房屋贷款。</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> 2020年12月，银行向法院提出金融借款诉讼，并将此前与黄某“假结婚”的王某作为第一被告。</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"></span></p><div style="text-align:center"></div><p></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> 而原配耿某作为遗产继承人也是被告之一，她表示认可王某所述，并且同意拍卖房屋清偿债务。黄某的其他遗产继承人亦书面表示同意用黄某的遗产偿还债务，由法院依法处理。</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;text-align: center;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"></span></p><div style="text-align:center"></div><p></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> 事情一出，网友们议论纷纷……</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> </span><strong><span style="font-size: 17px;letter-spacing: 1px;color: rgb(255, 76, 65);">主要争议点在于房屋所有权究竟归谁？</span></strong></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"></span></p><div style="text-align:center"></div><p></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> 也有网友质疑离婚协议的真实性。</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"></span></p><div style="text-align:center"></div><p></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><br></p><section powered-by="xiumi.us" style="margin-top: 10px;margin-bottom: 10px;outline: 0px;max-width: 100%;box-sizing: border-box;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", ";PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: center;overflow-wrap: break-word !important;"><section style="outline: 0px;max-width: 100%;box-sizing: border-box;vertical-align: middle;display: inline-block;line-height: 0;overflow-wrap: break-word !important;"><div style="text-align:center"></div></section></section><section powered-by="xiumi.us" style="outline: 0px;max-width: 100%;box-sizing: border-box;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", ";PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;white-space: normal;background-color: rgb(255, 255, 255);line-height: 1.75;letter-spacing: 2px;overflow-wrap: break-word !important;"><section style="outline: 0px;max-width: 100%;box-sizing: border-box;text-align: center;line-height: 2em;overflow-wrap: break-word !important;"><strong style="font-size: 17px;letter-spacing: 1px;outline: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;">广州云普法曾凡星律师</strong><br></section><section style="outline: 0px;max-width: 100%;box-sizing: border-box;text-align: center;line-height: 2em;overflow-wrap: break-word !important;"><span style="font-size: 17px;letter-spacing: 1px;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;">以情景演绎的方式</strong></span></section><section style="outline: 0px;max-width: 100%;box-sizing: border-box;text-align: center;line-height: 2em;overflow-wrap: break-word !important;"><span style="font-size: 17px;letter-spacing: 1px;"><strong style="outline: 0px;max-width: 100%;box-sizing: border-box;overflow-wrap: break-word !important;">从法律的角度分析本案件。</strong></span></section></section><p style="box-sizing: border-box;"><br></p><p style="box-sizing: border-box;"></p><div style="text-align:center"></div><p></p><p style="box-sizing: border-box;"><br></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> </span><strong><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;background-color: rgb(255, 218, 81);">#情景演绎</span></strong></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> </span><strong><span style="letter-spacing: 1px;font-size: 14px;color: rgb(136, 136, 136);">（以下为设计对白）</span></strong></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> <strong>女演员A：</strong>“我是有购房资格的，我跟你老公假结婚就是为了帮你们买房，这点你也是知道的，现在银行为什么来找我还房贷？”</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> <strong>女演员B：</strong>“我老公前两天车祸去世了！丢下一大笔房子的贷款，银行说这是你们结婚的时候贷的，属于夫妻共同债务！”</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> <strong>女演员A：</strong>“我们已经离婚了，还签了离婚协议，房贷是他自己还，这房子跟我一点关系都没有啊！”</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> <strong> </strong></span><span style="font-size: 17px;letter-spacing: 1px;color: rgb(123, 12, 0);"><strong>曾律师：</strong></span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> </span><strong><span style="font-size: 17px;letter-spacing: 1px;color: rgb(171, 25, 66);">结婚就是结婚，法律上是不存在假结婚的</span></strong><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;">，既然你们领证期间贷款，那么确实属于夫妻共同债务，这个钱你必须还！如果假结婚后没有离婚而他又去世了的话，包括这套房子在内，他的全部财产都将作为遗产，你都有权参与分配！</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;text-align: center;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"></span></p><div style="text-align:center"></div><p></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> </span><strong><span style="font-size: 17px;letter-spacing: 1px;color: rgb(171, 25, 66);">假结婚买房不靠谱！</span></strong></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> 法律不会管你是因为什么而结婚的，既然已经结婚了，那么就是一个经济的共同体。婚后财产属于夫妻共同财产，而婚后的债务自然也就是夫妻共同的债务。</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> 房贷这一形式，也属于债务的一种，婚姻关系中两个人共同的债务不会因为一个人死亡就解除。</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> 按理说两个人的婚姻是假的，但是你有真实的婚姻登记证明，那么法律就认定你的婚姻是成立的，你就是有义务去继续偿还房贷。</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;text-align: center;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"></span></p><div style="text-align:center"></div><p></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> </span><strong><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;background-color: rgb(255, 218, 81);">案件聚焦</span></strong></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> 经审查涉案事实和双方证据，法院围绕争议焦点，做出了这样的认定和判决：</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> </span><strong><span style="font-size: 17px;letter-spacing: 1px;color: rgb(171, 25, 66);">1、“假结婚”要承担婚内夫妻共同债务吗？需要！</span></strong></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> 夫妻是假，结婚是真，共同债务背上身。房屋贷款发生于黄某与王某婚姻存续期间，根据法律规定，债权人就婚姻关系存续期间夫妻一方以个人名义所负债务主张权利的，若基于双方共同意思表示的，应当按夫妻共同债务处理。</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> </span><strong><span style="font-size: 17px;letter-spacing: 1px;color: rgb(171, 25, 66);">2、经公证的离婚协议约定共同债务由一方承担，能否免除另一方的还款责任？不能！</span></strong></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> 离婚协议对于夫妻共同债务的承担约定，未经债权人同意，即使经过公证，亦不能对抗债权人。虽黄某与王某的离婚协议约定该债务由黄某负责偿还，但该约定并未得到债权人的确认，债权人仍有权就夫妻共同债务向王某主张权利。</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> </span><strong><span style="font-size: 17px;letter-spacing: 1px;color: rgb(171, 25, 66);">3、债权人同意将房屋抵押人变更为黄某一人，是否意味着债权人放弃对王某主张债权？不是！</span></strong></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><p style="box-sizing: border-box;"><span style="font-size: 17px;color: rgb(0, 0, 0);letter-spacing: 1px;"> 抵押担保关系和债权债务关系是不同的法律关系。债权人同意变更抵押物的抵押人为黄某一人，不代表债权人放弃对王某的债权。通常银行出具同意变更房屋抵押人的文件，仅是为配合变更房屋权利人登记。</span></p><p style="box-sizing: border-box;"><br style="box-sizing: border-box;"></p><section powered-by="xiumi.us" style="margin-top: 10px;margin-bottom: 10px;outline: 0px;max-width: 100%;box-sizing: border-box;font-family: -apple-system, BlinkMacSystemFont, "Helvetica Neue", ";PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif;font-size: 16px;letter-spacing: 0.544px;white-space: normal;background-color: rgb(255, 255, 255);text-align: center;overflow-wrap: break-word !important;">来源：中国普法</section></section></section></section></section></section></section>
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