保证和抵押——对同一债权的双重担保

保证和抵押的双重担保是指对同一债权的全部或者一部的共同担保。债权人首先实现哪种但保方式 ,应当区分担保的方式 ,由债权人做出选择。抵押是“物的担保” ,保证是“人的担保” ,这决定了在债权人实现抵押权的情况下 ,抵押人不享有代位权 ,保证人自然免除保证责任。相反 ,在债权人要求保证人承担保证责任的情况下 ,保证人享有代位权 ,抵押权不能自然消灭。因此 ,债权人放弃抵押权的 ,保证人相应地免除保证责任 ;债权人免除保证人的保证责任 ,抵押人则不能以之抗辩。

The Double Security for the Same Obligatory Right by Guaranty & Mortgage

The double security by guaranty & mortgage is a joint security for the full parts or one part of the same obligatory right.The problem that which security should be realzed at first by the creditor ought to be detemined by such factors as fashions of guaranty,creditor's choice,etc.Mortgage being a"res security",and guaranty being a"persona security",which determines that in the circumstance of mortgage having been realized by creditor,the mortgagor doesn't have a right of subrogation,the guarantor will be exempted of guarantee liability spontaneously.On the Cotrary,in the circumstance of the guarantor having been demanded to assume his guarantee liability by the creditor,the guarantor has a right of subrogation, the mortgage can't cease to exist spontaneously.Hence,if the creditor abandon mortgage,the guarantor will be exempted of his guaranteee liability accordingly,but if the creditor relieve the guarantor of his guarantee liability,the mortgagor can't counterargument with it.