仙桃武某向银行借款200万，拒不偿还...
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letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>在法律上</span></p><p style='text-align: center; line-height: 2em; outline: 0px; visibility: visible; letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>“人保”即人的担保</span></p><p style='text-align: center; line-height: 2em; outline: 0px; visibility: visible; letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>又称为信用担保</span></p><p style='text-align: center; line-height: 2em; outline: 0px; visibility: visible; letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>“物保”即物的担保</span></p><p style='text-align: center; line-height: 2em; outline: 0px; visibility: visible; letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>全称担保物权</span></p><p style='text-align: center; line-height: 2em; outline: 0px; visibility: visible; letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>那么</span></p><p style='text-align: center; line-height: 2em; outline: 0px; visibility: visible; letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>同一案件中人保与物保并存时</span></p><p style='text-align: center; line-height: 2em; outline: 0px; visibility: visible; letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>债权人可以随意选择</span></p><p style='text-align: center; line-height: 2em; outline: 0px; visibility: visible; letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>行使担保权吗？</span></p><p style='text-align: center;'><br></p><section class="channels_iframe_wrp wxw_wechannel_card_not_horizontal"><mp-common-videosnap class="js_uneditable custom_select_card channels_iframe videosnap_video_iframe" data-pluginname="mpvideosnap" data-url="https://findermp.video.qq.com/251/20304/stodownload?encfilekey=rjD5jyTuFrIpZ2ibE8T7YmwgiahniaXswqzRCXpXcDZRCL7TjJQgzgdIHNn1swyHRz8TtWfG9KXlLViaia2L1ompMLDYKnzmh7G9Z2rAibtn1ibGzV3TbxBErYzyA&bizid=1023&dotrans=0&hy=SH&idx=1&m=&scene=0&token=cztXnd9GyrFt4MFfleV8hcHMYhdIgcUibDBjicUSRvKkkkKTqvdcvxDlarJib1Dp1FzUUd6pJ3icDCU" data-headimgurl="http://wx.qlogo.cn/finderhead/bSb5dSzPn0IEgLWf0hMUqxLRC7WKL44yeS6eCajhQZEaQ5FwDowUKg/0" data-username="v2_060000231003b20faec8c4e48910c3d6cf07ef32b0776acea095d96c920332f21f2076cf37bd@finder" data-nickname="仙桃电视台" data-desc="以案说法之同一案件中人保与物保并存担保权如何行使？#担保#法律 " data-nonceid="2532328966197368270" data-type="video" data-mediatype="undefined" data-authiconurl="https://dldir1v6.qq.com/weixin/checkresupdate/icons_filled_channels_authentication_enterprise_a2658032368245639e666fb11533a600.png" data-from="new" data-width="1080" data-height="1440" data-id="export/UzFfAgtgekIEAQAAAAAAFo8VBCOoDQAAAAstQy6ubaLX4KHWvLEZgBPEx4E4DR9DRoKGzNPgMIv-upGfqxiJVf9UpQhCjomR" data-isdisabled="0" data-errortips=""></mp-common-videosnap></section><p style='text-align: center;'><br></p><p style='text-align: center; line-height: 2em; outline: 0px; visibility: visible; letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>近日</span></p><p style='text-align: center; line-height: 2em; outline: 0px; visibility: visible; letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>市人民法院就审理了</span></p><p style='text-align: center; line-height: 2em; outline: 0px; visibility: visible; letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>这样一起案件</span></p><p style='text-align: center; line-height: 2em; outline: 0px; visibility: visible; letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>一起来看看法官怎么判？</span></p><section style='line-height: normal;'><br></section><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="131901"><section style='margin: 10px auto;'><section style='display: flex;justify-content: flex-start;align-items: flex-end;margin-bottom: -15px;'><section style='flex-shrink: 0;z-index: 9;'><section style='width: 35px;'><span class="wxart_image" wx-style='display:inline-block;width: 100%;display: block;vertical-align: inherit;'></span></section></section><section style='font-size: 16px;color: rgb(51, 51, 51);background-color: rgb(191, 235, 255);padding: 4px 20px 4px 35px;border-radius: 25px;margin-left: -30px;'><span style='font-size: 18px;'><strong data-brushtype="text">案件详情</strong></span></section></section><section style='padding: 25px 15px 10px;background-color: rgb(240, 250, 255);'><section data-autoskip="1" style='line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;'><p style='line-height: 2em;text-indent: 2em;'><span style='letter-spacing: 0.578px; font-size: 16px;'>2019年3月27日，某银行与武某签订借款合同一份，约定由银行向武某提供借款200万元。双方签订抵押合同一份，被告武某自愿以房产提供抵押担保。同时，武某的朋友刘某愿意以其商铺作为抵押担保，朋友李某同意做担保人。同日，银行分别与刘某签订了一份担保合同，与李某签订了一份保证合同。合同签订后银行向武某发放了借款，可是贷款到期后武某拒不履行偿还义务，其余刘某、李某亦未履行担保责任。银行认为武某已构成违约，要求武某还本付息，银行对其抵押房屋享有优先受偿权，对刘某抵押的商铺享有优先受偿权，李某对上述债务承担连带清偿责任。</span></p></section></section></section></section><section data-role="paragraph"><p><span style='letter-spacing: 0.578px;font-size: var(--articleFontsize);'><br></span></p><section style='text-align: center;line-height: 2em;'><span style='letter-spacing: 0.578px;font-size: 16px;'>本案中</span></section><section style='text-align: center;line-height: 2em;'><span style='letter-spacing: 0.578px;font-size: 16px;'>债务人武某及其两名朋友</span></section><section style='text-align: center;line-height: 2em;'><span style='letter-spacing: 0.578px;font-size: 16px;'>分别提供了物保和人保</span></section><section style='text-align: center;line-height: 2em;'><span style='letter-spacing: 0.578px;font-size: 16px;'>在武某无法归还贷款的情形下</span></section><section style='text-align: center;line-height: 2em;'><span style='letter-spacing: 0.578px;font-size: 16px;'>这家银行可以任意选择武某抵押的房产、</span></section><section style='text-align: center;line-height: 2em;'><span style='letter-spacing: 0.578px;font-size: 16px;'>刘某抵押的商铺以及李某承担保证责任吗</span></section><p><br></p><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="131861"><section style='margin: 10px auto;'><section style='display: inline-block;transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-o-transform: rotate(0deg);'><section style='background-color: rgb(14, 115, 220);padding: 6px 15px;margin-right: 10px;'><section style='font-size: 16px;letter-spacing: 1.5px;color: #fff;'><span style='font-size: 18px;'><strong data-brushtype="text">法官说法</strong></span><strong data-brushtype="text"></strong></section></section></section><section style='display: flex;margin-top: -15px;'><section style='display: flex;margin: 30px 10px -15px 10px;'><section style='width: 1px;height: 100%;background-color: rgb(14, 115, 220);overflow: hidden;'><br></section></section><section style='width: 100%;' data-width="100%"><section style='background-color: rgb(248, 247, 254);padding: 15px 25px 35px 20px;'><section style='display: flex;justify-content: flex-start;align-items: flex-start;margin-top: 20px;'><section style='width: 9px;height: 9px;background-color: rgb(153, 220, 241);border-radius: 50%;flex-shrink: 0;margin-top: 8px;margin-right: -12px;overflow: hidden;'><br></section><section style='text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;'><section data-autoskip="1"><section style='line-height: 2em;'> <span style='letter-spacing: 0.578px; font-size: 16px;'>上述案例中，武某和银行签订了借款合同与抵押合同，借款金额200万元，借款期限2年，银行按期发放了贷款，合同合法有效。李某为武某的借款提供担保，刘某为武某的借款提供了商铺做抵押担保。某银行分别与刘某签订的担保合同，与李某签订的保证合同中均未对实现担保的顺序进行约定。武某作为债务人，提供了房子做抵押，银行应该先就该房屋实现债权。如果拍卖、变卖武某的房子的价款不够偿还借款，银行可以有两个选择，可以要求李某承担担保责任，也可以就刘某的商铺实现债权，在拍卖、变卖刘某的商铺的价款优先受偿。</span></section></section></section></section></section></section></section></section></section><section data-role="paragraph"><p><br></p></section></section><p><br></p><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="129649"><section style='margin: 10px auto;border-width: 1px;border-style: solid;border-color: rgb(198, 231, 255);border-radius: 8px 0px 0px;'><section style='display: flex;justify-content: flex-start;transform: translate(-1px, -1px);-webkit-transform: translate(-1px, -1px);-moz-transform: translate(-1px, -1px);-o-transform: translate(-1px, -1px);'><section style='display: flex;'><section style='flex-shrink: 0;'><section style='width: 10px;background-color: rgb(250, 66, 142);border-radius: 6px 0px 0px;height: 100%;overflow: hidden;'><br></section></section><section style='color: rgb(255, 255, 255); text-align: center; padding: 4px 20px 4px 4px; background-color: rgb(41, 158, 244); border-radius: 0px 0px 30px;'><span style='font-size: 18px;'><strong data-brushtype="text">法律链接</strong></span></section></section></section><section style='padding: 5px 10px;'><section data-autoskip="1" style='line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51);'><section style='vertical-align: inherit;text-indent: 2em;line-height: 2em;'><span style='letter-spacing: 0.578px; font-size: 16px;'>《中华人民共和国民法典》第三百九十二条 被担保的债权既有物的担保又有人的担保的，债务人不履行到期债务或者发生当事人约定的实现担保物权的情形，债权人应当按照约定实现债权；没有约定或者约定不明确，债务人自己提供物的担保的，债权人应当先就该物的担保实现债权；第三人提供物的担保的，债权人可以就物的担保实现债权，也可以请求保证人承担保证责任。提供担保的第三人承担担保责任后，有权向债务人追偿。</span></section></section></section></section></section><section data-role="paragraph"><p><br></p></section></section><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="131861"><section style='margin: 10px auto;'><section style='display: inline-block;transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-o-transform: rotate(0deg);'><section style='background-color: rgb(14, 115, 220);padding: 6px 15px;margin-right: 10px;'><section style='font-size: 16px;letter-spacing: 1.5px;color: #fff;'><span style='font-size: 18px;'><strong data-brushtype="text">法官说法</strong></span></section></section></section><section style='display: flex;margin-top: -15px;'><section style='display: flex;margin: 30px 10px -15px 10px;'><section style='width: 1px;height: 100%;background-color: rgb(14, 115, 220);overflow: hidden;'><br></section></section><section style='width: 100%;' data-width="100%"><section style='background-color: rgb(248, 247, 254);padding: 15px 25px 35px 20px;'><section style='display: flex;justify-content: flex-start;align-items: flex-start;margin-top: 20px;'><section style='width: 9px;height: 9px;background-color: rgb(153, 220, 241);border-radius: 50%;flex-shrink: 0;margin-top: 8px;margin-right: -12px;overflow: hidden;'><br></section><section style='text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;'><section data-autoskip="1"><section style='line-height: 2em;'> <span style='letter-spacing: 0.578px; font-size: 16px;'>在实务审理过程中，如果当事人之间有约定，债权人应该按照约定实现债权。如果当事人之间没有约定或者约定不明的，债权人首先应就债务人提供的物的担保实现债权。这是出于公平和成本的选择。如果债权人没有先行就债务人的物的担保实现债权，保证人和提供物的担保的第三人享有抗辩权。如果当事人之间没有约定或者约定不明，债务人自己也没有提供物的担保的，债权人可以自行选择就保证或者第三人提供的物的担保实现债权。在这种情况下 ，债权人有选择权，可以让债权人选择最有利于实现债权的方式。</span></section></section></section></section></section></section></section></section></section><section data-role="paragraph"><p><br></p></section></section><section style='text-align: center; line-height: 2em; outline: 0px; visibility: visible; letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>因此</span></section><section style='text-align: center; line-height: 2em; outline: 0px; visibility: visible; letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>在同一个债务上</span></section><section style='text-align: center; line-height: 2em; outline: 0px; visibility: visible; letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>可能既有债务人自己提供的担保</span></section><section style='text-align: center; line-height: 2em; outline: 0px; visibility: visible; letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>也有第三人提供的物的担保</span></section><section style='text-align: center; line-height: 2em; outline: 0px; visibility: visible; letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>还有第三人提供的保证担保</span></section><section style='text-align: center; line-height: 2em; outline: 0px; visibility: visible; letter-spacing: 0.578px;'><span style='letter-spacing: 0.578px;font-size: 16px;'>法官对这种情形给出这些提示</span></section><p style='text-align: center;'>↓↓↓</p><p style='text-align: center;'><br></p><section data-role="outer" label="edit by 135editor"><section data-tools="135编辑器" data-id="131861"><section style='margin: 10px auto;'><section style='display: inline-block;transform: rotate(0deg);-webkit-transform: rotate(0deg);-moz-transform: rotate(0deg);-o-transform: rotate(0deg);'><section style='background-color: rgb(14, 115, 220);padding: 6px 15px;margin-right: 10px;'><section style='font-size: 16px;letter-spacing: 1.5px;color: #fff;'><span style='font-size: 18px;'><strong data-brushtype="text">法官说法</strong></span></section></section></section><section style='display: flex;margin-top: -15px;'><section style='display: flex;margin: 30px 10px -15px 10px;'><section style='width: 1px;height: 100%;background-color: rgb(14, 115, 220);overflow: hidden;'><br></section></section><section style='width: 100%;' data-width="100%"><section style='background-color: rgb(248, 247, 254);padding: 15px 25px 35px 20px;'><section style='display: flex;justify-content: flex-start;align-items: flex-start;margin-top: 20px;'><section style='width: 9px;height: 9px;background-color: rgb(153, 220, 241);border-radius: 50%;flex-shrink: 0;margin-top: 8px;margin-right: -12px;overflow: hidden;'><br></section><section style='text-align: justify; line-height: 1.75em; letter-spacing: 1.5px; color: rgb(51, 51, 51); background: transparent;'><section data-autoskip="1"><section style='line-height: 2em;'> <span style='letter-spacing: 0.578px; font-size: 16px;'>在同一个债权债务关系中，既有物的担保，又有人的担保的情形，属于混合担保。物的担保指以特定的物担保债权的实现，包括抵押权、质权和留置权；人的担保也就是保证，指以人的信誉担保债权的实现。为他人的借款提供担保的时候，不要不明情况就在保证协议上签字。借钱给别人的时候，如果借款有人的担保也有物的担保，可以根据不同担保的情况，约定实现债权的顺序。</span></section></section></section></section></section></section></section></section></section><section data-role="paragraph"><p><br></p></section></section></section></section><section style='margin-right: 8px; margin-left: 8px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em; visibility: visible;'><br></section><section style='margin-right: 8px; margin-left: 8px; outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.544px; line-height: 1.75em; visibility: visible;'><br></section></section></section></section></section></section></section></section></section></section></section></section></section><section data-role="outer" label="edit by 135editor" style='letter-spacing: 0.578px;'><section data-role="paragraph"><section style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.578px; visibility: visible; line-height: 1.6em;'><span style='outline: 0px;color: rgb(178, 178, 178);font-family: 微软雅黑, Microsoft YaHei;font-size: 12px;letter-spacing: 0.5px;caret-color: rgba(0, 0, 0, 0);visibility: visible;'></span></section><p style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.578px; caret-color: rgba(0, 0, 0, 0); color: rgb(34, 34, 34); visibility: visible;'><br></p><section data-role="outer" label="edit by 135editor" style='outline: 0px; font-family: system-ui, -apple-system, BlinkMacSystemFont, "Helvetica Neue", "PingFang SC", "Hiragino Sans GB", "Microsoft YaHei UI", "Microsoft YaHei", Arial, sans-serif; letter-spacing: 0.578px; visibility: visible;'><section data-role="paragraph" style='outline: 0px;visibility: visible;'><section style='outline: 0px;min-height: 1em;visibility: visible;'><section style='outline: 0px;min-height: 1em;text-align: right;visibility: visible;'><section style='outline: 0px;visibility: visible;'><hr style='outline: 0px;caret-color: rgba(0, 0, 0, 0);font-family: -apple-system-font, system-ui, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif;letter-spacing: 0.544px;color: rgb(34, 34, 34);line-height: 25.6px;visibility: visible;'><p style='outline: 0px;letter-spacing: 0.578px;widows: 1;text-align: left;visibility: visible;line-height: 1.75;'><span style='color: rgb(178, 178, 178); font-family: -apple-system, BlinkMacSystemFont, Arial, sans-serif; letter-spacing: 0.5px; caret-color: rgba(0, 0, 0, 0);'>来源：仙桃市融媒体中心</span><br></p><p style='outline: 0px;caret-color: rgba(0, 0, 0, 0);letter-spacing: 0.578px;widows: 1;text-align: left;visibility: visible;line-height: 1.75;'><br></p></section></section></section></section></section></section></section></div><p></p> 只是法官说法本案无结论 我的孩子他同学借了我儿子20块钱买文具，一直不还怎么办 群姐 发表于 2023-11-6 07:56我的孩子他同学借了我儿子20块钱买文具，一直不还怎么办
法院告他去{:225:} 不要轻易为人担保，如果不还，保人也受连累。 群姐 发表于 2023-11-6 07:56
我的孩子他同学借了我儿子20块钱买文具，一直不还怎么办
挎几巴掌，就当是抵钱了{:222:}{:222:}
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