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الرئيسية > The Right to Release a Mortgag...>الوصف

The Right to Release a Mortgage in English Law: An Analytical Study Compared to the Iraqi and Emirati Laws

المصدر: مجلة آفاق للعلوم
الناشر: جامعة زيان عاشور الجلفة
المؤلف الرئيسي: Abdalla, Murtada Abdalla Kheiri (Author)
مؤلفين آخرين: Ali, Younis Salehaldin (Co-Author)
المجلد/العدد: مج10, ع1
محكمة: نعم
الدولة: الجزائر
التاريخ الميلادي: 2025
الشهر: يناير
الصفحات: 292 - 310
DOI: 10.37167/1677-010-001-020
ISSN: 2507-7228
رقم MD: 1536848
نوع المحتوى: بحوث ومقالات
اللغة: الإنجليزية
قواعد المعلومات: EduSearch, EcoLink, HumanIndex
مواضيع:
حق فك الرهن | القانون التجاري | حقوق الملكية | التشريعات العراقية
كلمات المؤلف المفتاحية:
Right to Release the Mortgage | Debtor | Mortgagor | Creditor | Mortgagee
رابط المحتوى:
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المستخلص: The right to release the mortgage is one of the equitable rights enjoyed by the current debtor towards the mortgagee creditor in English law, which was established for him by the rules of justice and fairness. It is required for the current debtor to pay the amount of the loan debt represented by the debt secured by the mortgage and to terminate the mortgage on the mortgaged property as it is the natural way to pay the debt secured by the mortgage. As for the Iraqi Civil Law No. (40) of 1951 and the UAE Federal Civil Transactions Law No. (5) of 1985, they have identified two ways for the owner of the property to release the mortgage, the first is to fulfill the debt secured by the insurance mortgage, and the second is for the owner of the property to release the mortgaged property as an insurance mortgage or purify it. The research problem is reflected in the question of the permissibility of postponing the release of the mortgage for a reasonable period in the Iraqi and UAE laws, if it is in the interest of the current debtor. The most prominent results of the study are that English law allows the postponement of the current debtor's exercise of his right to release the mortgage, provided that this postponement is agreed upon by a contractual clause, which is not an arbitrary condition as long as the agreed period for the postponement is a reasonable period. The failure of the current debtor to exercise his right to release the mortgage also entails the mortgagee demanding the closure of the mortgage. The most important recommendations are the possibility of Iraqi and Emirati legislators benefiting from the provisions contained in the English law on the permissibility of postponing the release of the mortgage for a reasonable period, the mortgage contract shall include a condition that allows the mortgagor to agree with the mortgagee to postpone the period of release of the mortgage if this is in his interest and for a reasonable period.
ISSN: 2507-7228

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