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在担保实践中,就同一标的房地产设定抵押时,抵押人将建设用地使用权与地上建筑物(以下简称“土地与房产”)分别抵押给不同的债权人并办理抵押登记的情形并不少见。那么,这种土地与房产分别抵押是否合法有效?抵押效力该如何认定?两个抵押权人的优先受偿权又如何实现呢?
In the practice of guarantee, in the case of mortgaging a real estate with the same subject matter, the mortgagor mortgages the right to use construction land and the above-ground buildings (hereinafter referred to as “land and property”) to different creditors and applies for registration of mortgages Rare. So, the land and real estate respectively, whether the mortgage is valid? How to determine the effectiveness of the mortgage? Two mortgagee priority claim how to achieve it?