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实践中,商业银行在发放房地产贷款时采取的主要风险防范措施是办理在建工程抵押,取得在建工程的抵押权,根据相关法律规定,抵押权的受偿顺序劣后于承包人享有的建设工程价款优先受偿权。因此,商业银行多采取要求建设工程承包人出具放弃优先权的承诺等方式规避相关风险。因建设工程价款优先受偿权属法定优先权,法律规定此类优先权的目的在于解决建设工程领域的工资拖欠问题,保护建筑工人基本生存权这一特殊法益,因此,承包人放弃优先受偿权的承诺是否有效一直存在争议。近期,最高人民法院在其审理
In practice, the major risk precautionary measures taken by commercial banks when issuing real estate loans are to mortgage the construction in progress and obtain the mortgage right of the construction in progress. According to the relevant laws and regulations, the order of compensation of the mortgage right is inferior to the construction enjoyed by the contractor Project price priority compensation. Therefore, commercial banks take more measures that require construction contractors to give up promises such as giving up priority to avoid the related risks. Due to the priority of compensation for the construction project priority, the priority of such law is set by law to solve the problem of arrears of wages in the field of construction projects and protect the basic legal rights and interests of construction workers. Therefore, the contractor waives the priority compensation The validity of the promise of power has always been controversial. Recently, the Supreme People’s Court heard the case