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KKO 1189/1997 KI-generiert

Supreme Court held that a spouse's new mortgage on shared property does not bind the other spouse without their consent.

Geschäftsnummer KKO 1189/1997
Gericht / Behörde
Rechtsordnung Finnland (FI)
Entscheiddatum
Ausgang Gutgeheissen (Allowed)
Originalquelle öffnen Maschinenlesbares Markdown (.md)

Legislator-Zusammenfassung

KI-generiert

The Supreme Court ruled that a spouse cannot be bound by a new mortgage on property acquired after their marriage ends without their explicit consent. The case involved spouses A and B who had previously mortgaged their joint property, but after A acquired sole ownership via a partition agreement, A subsequently mortgaged the same property to secure B's debts. The court determined that the original general security agreements did not extend to A's post-partition actions, thereby protecting the non-mortgaging spouse from liability.

Legislator-Regeste

KI-generiert

Section 10 of the Mortgage Act; Section 10 of the Security Act: A spouse is not bound by a mortgage registered on property they acquired after the dissolution of their marriage unless they have given their consent to the security.

Schlagwörter

KI-generiert
spousal liability mortgage registration property partition general security agreement post-marital debt consent requirement joint ownership Finanzunternehmen

Zitierte Gesetzesbestimmungen

KI-generiert
Section 10 of the Mortgage Act
Section 10 of the Security Act
KI-generiert
kko-precedent_1991_75
Supreme Court dismisses appeal; standard mortgage clause binding only husband, not wife for future debts.
kko-precedent_1989_106
Supreme Court dismisses appeal; general security pledge does not cover third-party criminal damages unforeseeable by pledgor.
kko-other_1999_2241
Supreme Court held that mortgage liability extends to the spouse's share when the whole property is pledged as security.
kko-precedent_1996_90
Supreme Court allows bill of exchange claim against spouse forced to sign as guarantor under duress.
appeal_1979_eastern-finland__556
Holding holder lacks right to claim payment against transferor when transferor lost security held by third party.

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Volltext

Aviopuolisot A ja B olivat pantanneet yhdessä omistamaansa kiinteistöön kiinnitettyjä haltijavelkakirjoja kolmella yleispanttaussitoumuksella pankille vastuidensa vakuudeksi. Puolisoiden yhteiselämän päätyttyä kiinteistö oli ositussopimuksen perusteella tullut A:n omistukseen. A oli sen jälkeen pantannut uudet kiinteistöön kiinnitetyt haltijavelkakirjat pankille vakuudeksi B:n ja hänen liikeyrityksensä vastuista.

Kysymys siitä, sitoivatko panttaukset A:ta pankin velkoessa B:ltä saataviaan. Kysymys myös yleispanttaussitoumusten sovittelusta.