城口法院善意文明执行化解百万元房产执行难题
<p style="text-align: center;" data-mpa-powered-by="yiban.io"><br/></p><p><br/></p><section style="letter-spacing: 2px;line-height: 1.75;font-size: 16px;"><section style="text-align: center;color: rgba(100, 65, 37, 0.8);line-height: 2;" powered-by="xiumi.us"><p><strong>近日</strong></p><p><strong>城口法院成功执结一起民间借贷纠纷案</strong></p><p><strong>得到了当事双方的高度赞扬</strong></p></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;line-height: 0;" powered-by="xiumi.us"><section style="vertical-align: middle;display: inline-block;line-height: 0;width: 20%;height: auto;"></section></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;line-height: 0;" powered-by="xiumi.us"><section style="vertical-align: middle;display: inline-block;line-height: 0;"></section></section><section style="text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;margin-top: 10px;margin-bottom: 10px;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;width: auto;align-self: flex-start;flex: 0 0 auto;min-width: 5%;height: auto;"><section style="text-align: right;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;overflow: hidden;height: 14px;width: 14px;border-style: solid;border-width: 4px 0px 0px 4px;border-color: rgba(100, 65, 37, 0.8) rgb(255, 213, 69) rgb(255, 213, 69) rgba(100, 65, 37, 0.8);border-top-left-radius: 115px;"><section style="text-align: justify;" powered-by="xiumi.us"></section></section></section></section><section style="display: inline-block;vertical-align: top;width: auto;align-self: flex-start;flex: 100 100 0%;height: auto;"><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-top: 12px;margin-bottom: 12px;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(246, 248, 255);padding: 24px;"><section style="text-align: justify;color: rgb(0, 0, 0);line-height: 2;" powered-by="xiumi.us"><p style="white-space: normal;">2021年3月12日，被执行人李某向申请人袁某借款1,000,000元，双方约定按月利率2%计算利息。借款后，李某陆续归还袁某借款本金750,000元。2022年5月18日，经双方结算，李某向袁某出具借条一张，确认李某尚欠袁某借款本息合计400,000元，约定借款期限为2022年5月18日至2022年7月17日；同时，李某以其房屋和车位为前述借款本金及利息提供抵押担保，并办理了抵押登记。借款到期后，李某未能按约还款，后经本院调解，被执行人李某定于2022年9月30日前付清全部借款本息，申请人袁某对被执行人名下房屋及车位享有优先受偿权。因李某未能按照调解书约定履行义务，袁某向本院申请执行。</p></section></section></section></section><section style="display: inline-block;vertical-align: bottom;width: auto;min-width: 5%;flex: 0 0 auto;height: auto;align-self: flex-end;"><section style="transform: perspective(0px);transform-style: flat;" powered-by="xiumi.us"><section style="text-align: right;transform: rotateX(180deg) rotateY(180deg);"><section style="display: inline-block;vertical-align: top;overflow: hidden;height: 14px;width: 14px;border-style: solid;border-width: 4px 0px 0px 4px;border-color: rgba(100, 65, 37, 0.8) rgb(255, 213, 69) rgb(255, 213, 69) rgba(100, 65, 37, 0.8);border-top-left-radius: 115px;"><section style="text-align: justify;" powered-by="xiumi.us"></section></section></section></section></section></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;line-height: 0;" powered-by="xiumi.us"><section style="vertical-align: middle;display: inline-block;line-height: 0;"></section></section><section style="justify-content: flex-start;display: flex;flex-flow: row nowrap;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;padding-right: 10px;padding-left: 10px;align-self: flex-start;flex: 0 0 auto;background-color: rgb(246, 248, 255);"><section style="margin: 10px 0%;" powered-by="xiumi.us"><section style="color: rgb(0, 0, 0);padding-right: 10px;padding-left: 10px;line-height: 2;"><p style="white-space: normal;">执行过程中，本院调查到被执行人李某名下除抵押房屋及车位外无其他可供执行财产，而抵押车位剩余按揭贷款较高，处置车位于执行无益。在充分调查了解其房屋面积、按揭余款及居住情况的基础上，合议庭合议决定依法拍卖、变卖被执行人名下房屋。</p></section></section><section style="margin: 10px 0%;text-align: center;justify-content: center;display: flex;flex-flow: row nowrap;" powered-by="xiumi.us"><section style="display: inline-block;width: 95%;vertical-align: top;border-width: 1px;border-style: solid;border-color: rgb(198, 203, 0);align-self: flex-start;flex: 0 0 auto;height: auto;"><section style="display: flex;flex-flow: row nowrap;margin-top: -1px;margin-bottom: -19px;text-align: justify;justify-content: flex-start;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;align-self: flex-start;height: auto;line-height: 0;letter-spacing: 0px;"><section style="text-align: left;transform: translate3d(-1px, 0px, 0px);" powered-by="xiumi.us"><section style="display: inline-block;width: 20px;height: 20px;vertical-align: top;overflow: hidden;background-image: linear-gradient(to right bottom, rgb(255, 255, 255) 49%, rgb(198, 203, 0) 50%, rgb(198, 203, 0) 52%, rgba(198, 203, 0, 0) 53%);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="display: inline-block;vertical-align: top;width: auto;align-self: flex-start;flex: 100 100 0%;line-height: 0;letter-spacing: 0px;"><section style="text-align: right;transform: translate3d(1px, 0px, 0px);" powered-by="xiumi.us"><section style="display: inline-block;width: 20px;height: 20px;vertical-align: top;overflow: hidden;background-image: linear-gradient(to left bottom, rgb(255, 255, 255) 49%, rgb(198, 203, 0) 50%, rgb(198, 203, 0) 52%, rgba(198, 203, 0, 0) 53%);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section><section style="line-height: 0;" powered-by="xiumi.us"><section style="vertical-align: middle;display: inline-block;line-height: 0;width: 100%;height: auto;"></section></section><section style="display: flex;flex-flow: row nowrap;margin-top: -19px;margin-bottom: -1px;text-align: justify;justify-content: flex-start;" powered-by="xiumi.us"><section style="display: inline-block;vertical-align: top;width: auto;flex: 100 100 0%;align-self: flex-start;height: auto;line-height: 0;letter-spacing: 0px;"><section style="text-align: left;transform: translate3d(-1px, 0px, 0px);" powered-by="xiumi.us"><section style="display: inline-block;width: 20px;height: 20px;vertical-align: top;overflow: hidden;background-image: linear-gradient(to right top, rgb(255, 255, 255) 49%, rgb(198, 203, 0) 50%, rgb(198, 203, 0) 52%, rgba(198, 203, 0, 0) 53%);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="display: inline-block;vertical-align: top;width: auto;align-self: flex-start;flex: 100 100 0%;line-height: 0;letter-spacing: 0px;"><section style="text-align: right;transform: translate3d(1px, 0px, 0px);" powered-by="xiumi.us"><section style="display: inline-block;width: 20px;height: 20px;vertical-align: top;overflow: hidden;background-image: linear-gradient(to left top, rgb(255, 255, 255) 49%, rgb(198, 203, 0) 50%, rgb(198, 203, 0) 52%, rgba(198, 203, 0, 0) 53%);"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section></section></section></section><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-bottom: 10px;transform: translate3d(10px, 0px, 0px);" powered-by="xiumi.us"><section style="display: inline-block;width: auto;vertical-align: top;border-left: 5px solid rgba(100, 65, 37, 0.8);border-bottom-left-radius: 0px;padding-left: 9px;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;"><section style="margin: 2px 0%;" powered-by="xiumi.us"><section style="color: rgb(0, 51, 102);line-height: 1.3;text-align: justify;"><p style="white-space: normal;"><strong>（一）促成双方议价，节约评估成本。</strong></p></section></section></section></section><section style="margin: 10px 0%;" powered-by="xiumi.us"><section style="color: rgb(0, 0, 0);padding-right: 10px;padding-left: 10px;line-height: 2;"><p style="white-space: normal;">为减少执行成本，节约处置时间，执行人员详细向当事双方解释司法评估的时间成本和费用成本，引导双方通过协商方式确定房屋价值，最终双方就房屋价值达成一致，确定该房屋（包含装修）价值为1,100,000元。<br/></p></section></section><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-top: 20px;margin-bottom: 10px;transform: translate3d(10px, 0px, 0px);" powered-by="xiumi.us"><section style="display: inline-block;width: auto;vertical-align: top;border-left: 5px solid rgba(100, 65, 37, 0.8);border-bottom-left-radius: 0px;padding-left: 9px;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;"><section style="margin: 2px 0%;" powered-by="xiumi.us"><section style="color: rgb(0, 51, 102);line-height: 1.3;text-align: justify;"><p style="white-space: normal;"><strong>（二）时刻关注提醒，调解撤回二拍。</strong></p></section></section></section></section><section style="margin: 10px 0%;" powered-by="xiumi.us"><section style="color: rgb(0, 0, 0);padding-right: 10px;padding-left: 10px;line-height: 2;"><p style="white-space: normal;">依法选定拍卖机构后，本院根据相关规定在房屋基准价基础上下浮百分之七十（即770,000元）为一拍起拍价在淘宝网拍卖，并时常告知当事双方及拍卖机构多多宣传，引导意向买家竞买。但该房屋在3071次围观、21人设置提醒的情况下终是流拍。按规定，二拍将在一拍起拍价基础上再次下浮百分之二十（即616,000元）为拍卖保留价进行拍卖，而被执行人购买该房屋毛坯花费70余万元，装修花费40余万元，二拍起拍价远远低于该房屋实际价值。为充分维护被执行人的财产权益且尽可能保证申请人在本案执行程序中获得较高执行兑现，在本院调解下，申请人自愿撤回二拍程序，并给予被执行人30天时间自行处置房屋。<br/></p></section></section><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-top: 20px;margin-bottom: 10px;transform: translate3d(10px, 0px, 0px);" powered-by="xiumi.us"><section style="display: inline-block;width: auto;vertical-align: top;border-left: 5px solid rgba(100, 65, 37, 0.8);border-bottom-left-radius: 0px;padding-left: 9px;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;"><section style="margin: 2px 0%;" powered-by="xiumi.us"><section style="color: rgb(0, 51, 102);line-height: 1.3;text-align: justify;"><p style="white-space: normal;"><strong>（三）协商处置无果，无奈再次挂拍。</strong></p></section></section></section></section><section style="margin: 10px 0%;" powered-by="xiumi.us"><section style="color: rgb(0, 0, 0);padding-right: 10px;padding-left: 10px;line-height: 2;"><p style="white-space: normal;">在本院及申请人监督下，被执行人李某怠于自行处置房屋，本院多次与其沟通无果，申请人再次书面申请挂网二拍。执行人员考虑到房屋处置的合理性及必要性，在征求合议庭意见后无奈以616,000元价格挂网进行二次拍卖，但仍然告知双方私下协商还款方案，如在二拍开拍前履行全部债务或达成和解协议，经申请人申请可以撤回拍卖程序。<br/></p></section></section><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-top: 20px;margin-bottom: 10px;transform: translate3d(10px, 0px, 0px);" powered-by="xiumi.us"><section style="display: inline-block;width: auto;vertical-align: top;border-left: 5px solid rgba(100, 65, 37, 0.8);border-bottom-left-radius: 0px;padding-left: 9px;min-width: 10%;flex: 0 0 auto;height: auto;align-self: flex-start;"><section style="margin: 2px 0%;" powered-by="xiumi.us"><section style="color: rgb(0, 51, 102);line-height: 1.3;text-align: justify;"><p style="white-space: normal;"><strong>（四）为民之心不减，多番沟通终履行。</strong></p></section></section></section></section><section style="margin: 10px 0%;" powered-by="xiumi.us"><section style="color: rgb(0, 0, 0);padding-right: 10px;padding-left: 10px;line-height: 2;"><p style="white-space: normal;">二拍挂网后，执行人员仍然多次与当事双方电话沟通，希望当事双方特别是被执行人理性思考，尽可能找到其他方式履行义务，保障该房屋不因司法拍卖造成较大程度贬值。在执行人员悉心沟通和协调下，被执行人在房屋开拍前筹集资金全额偿还了袁某借款本金及利息，本案得以执行完毕，被执行人房屋得以保全，当事双方的财产权益均得到了充分保障。<br/></p></section></section></section></section><section style="text-align: center;margin-top: 10px;margin-bottom: 10px;line-height: 0;" powered-by="xiumi.us"><section style="vertical-align: middle;display: inline-block;line-height: 0;"></section></section><section style="justify-content: flex-start;display: flex;flex-flow: row nowrap;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;padding-right: 10px;padding-left: 10px;align-self: flex-start;flex: 0 0 auto;background-color: rgb(246, 248, 255);"><section style="margin: 10px 0%;" powered-by="xiumi.us"><section style="color: rgb(0, 0, 0);padding-right: 10px;padding-left: 10px;line-height: 2;"><p style="white-space: normal;">本案执行人员切实站在当事双方角度，本着提高执行兑现的原则，以高度负责的态度终使本案得以执行完毕。在履行撤拍手续时，申请人称赞道：“该执行案件兼顾了双方的利益，办案人员高度负责、耐心沟通，真正体现了司法为民、担当作为”。“感谢法院没有就案办案，充分考虑了我的困境和利益，也给予了我筹集资金的时间，让我不至于居无定所，为你们点赞”，被执行人如是说道。</p></section></section></section></section><section style="margin-bottom: 8px;" powered-by="xiumi.us"><section style="background-color: rgb(69, 107, 176);height: 3px;"><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><section style="text-align: left;justify-content: flex-start;display: flex;flex-flow: row nowrap;margin-bottom: 10px;" powered-by="xiumi.us"><section style="display: inline-block;width: 100%;vertical-align: top;align-self: flex-start;flex: 0 0 auto;background-color: rgb(246, 248, 255);padding: 25px;"><section style="text-align: justify;color: rgb(0, 0, 0);line-height: 2;" powered-by="xiumi.us"><p style="white-space: normal;">近年来，城口法院以习近平新时代中国特色社会主义思想为指导，始终坚持以人民为中心发展思想，切实贯彻公正善意文明执行理念，忠诚履职、担当作为，取得了良好的法律效果和社会效果。</p></section></section></section></section><section style="letter-spacing: 2px;line-height: 1.75;font-size: 16px;"><section style="font-size: 15px;color: rgb(160, 160, 160);" powered-by="xiumi.us"><p style="white-space: normal;"><span style="font-size: 12px;">来源：重庆城口法院</span></p><p style="white-space: normal;"><br/></p></section></section><p><br/></p><link rel="stylesheet" href="//bbs.cktcw.cn/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_R39" id="wcn_editor_css"/>
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