22 kap. 2 § 3 st. 2 men. jordabalken - Förbudet mot interregionala inteckningar i fast egendom
(2019) LAGF03 20192Department of Law
Faculty of Law
- Abstract (Swedish)
- I denna uppsats bearbetas förhållandet kring regleringen i 22 kapitlet 2 § 3 stycket 2 meningen jordabalken, innefattande det för svenska fastigheter så kallade förbudet mot interregionala inteckningar. På grund av den stämpelskatt som enligt 24 § lagen (1984:404) om stämpelskatt vid inskrivningsmyndigheten påförs inteckningsinnehavaren vid nyregistrering av inteckning, utgör befintliga inteckningarna i fast egendom ett icke betydelselös tillgångsvärde för fastighetsägaren.
En inteckning utgör enligt svensk rätt lös egendom och är därmed inte del av den fastighet i vilken inteckningen är registrerad. Inteckningen utgör inte heller fastighetstillbehör. I egenskap av lösöre utgör inteckningen därför ett separat värde utöver den fasta... (More) - I denna uppsats bearbetas förhållandet kring regleringen i 22 kapitlet 2 § 3 stycket 2 meningen jordabalken, innefattande det för svenska fastigheter så kallade förbudet mot interregionala inteckningar. På grund av den stämpelskatt som enligt 24 § lagen (1984:404) om stämpelskatt vid inskrivningsmyndigheten påförs inteckningsinnehavaren vid nyregistrering av inteckning, utgör befintliga inteckningarna i fast egendom ett icke betydelselös tillgångsvärde för fastighetsägaren.
En inteckning utgör enligt svensk rätt lös egendom och är därmed inte del av den fastighet i vilken inteckningen är registrerad. Inteckningen utgör inte heller fastighetstillbehör. I egenskap av lösöre utgör inteckningen därför ett separat värde utöver den fasta egendomens värde, något som i många fall torde förbises i fastighetsöverlåtelsesammanhang.
Härvidlag är dock dispositionsmöjligheterna tämligen begränsade. Inteckningen måste vara knuten till minst en fastighet för att kunna existera. Fastighetsinnehavarens möjlighet att separera inteckningen från fastigheten styrs av innehavarens rätt att dels utöka inteckningens omfattning (s.k. utsträckning), dels eliminera inteckningen (s.k. dödning), dels partiellt eliminera inteckningen (s.k. relaxation). Instrumenten utgör en i praktiken enhetlig reglering för innehavarens rätt att, oberoende av den fastighet i vilken inteckningen är befäst, kunna tillgodogöra sig dess värde.
Den i 22 kap. 2 § 3 st. 2 men. jordabalken s.k. regionalitetsprincipen, utgör emellertid ett udda komplement till denna reglering. Regionalitetsprincipen begränsar nämligen fastighetsinnehavarens möjlighet att tillgodogöra sig tillgången oberoende av egendomens geografiska läge i landet. Den som önskar gemensamt inteckna fastigheter, eller överföra inteckningen från en fastighet till annan, kan på grund av regionalitetsprincipen enbart få sin ansökan beviljad när inteckningen överförs mellan fast egendom belägen inom ett av sju geografiska områden. (Less) - Abstract
- The thesis deals with the conditions surrounding the regulation in chapter 22, section 2, paragraph 3, paragraph 2, land Code (Swe: jordabalken), including the prohibition on interregional mortgages for Swedish properties. Due to the stamp duty, that is charged to an additional mortgage holder pursuant to section 24 of the Stamp Tax Act (1984: 404; Swe: Lagen om stämpelskatt vid inskrivningsmyndigheter) on the additional mortgage holder, existing mortgages in real estate constitute a non-insignificant asset for the property owner.
According to Swedish law, a mortgage constitutes movable property and is thus not part of the property in which the mortgage is registered. The mortgage also does not constitute property accessories. As a... (More) - The thesis deals with the conditions surrounding the regulation in chapter 22, section 2, paragraph 3, paragraph 2, land Code (Swe: jordabalken), including the prohibition on interregional mortgages for Swedish properties. Due to the stamp duty, that is charged to an additional mortgage holder pursuant to section 24 of the Stamp Tax Act (1984: 404; Swe: Lagen om stämpelskatt vid inskrivningsmyndigheter) on the additional mortgage holder, existing mortgages in real estate constitute a non-insignificant asset for the property owner.
According to Swedish law, a mortgage constitutes movable property and is thus not part of the property in which the mortgage is registered. The mortgage also does not constitute property accessories. As a movable property, the mortgage therefore constitutes a separate value in addition to the value of the real property, which in many cases is likely to be overlooked in the real estate transfer context.
However, the right of disposal is limited. The mortgage must be linked to at least one property in order to exist. Nevertheless, the property owner's ability to separate the mortgage from the property is governed by the holder's ability to increase the scope of the mortgage to several properties (so-called joint-mortgages) and to eliminate it (so-called killing) and to partial eliminate the mortgage (so-called relaxation). Hence, these instruments control the possibility for the property owner to be able to claim the value of the mortgage regardless of the property in which the mortgage is registered.
The meaning of chapter 22, section 2, paragraph 3, sentence 2 in the land code, the so-called principle of regionality (Swe: regionalitetsprincipen), constitutes an extremely odd restriction in the field of property law today. The principle of regionality restricts the possibility for the owner of the mortgage to move the asset depending on the geographical location of the real estate within the country. A person wishing to share or transfer the mortgage from one property to another can, due to the regulation, only be granted their application when the mortgage is moved between properties located in one of seven geographical areas. (Less)
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http://lup.lub.lu.se/student-papers/record/8999613
- author
- Hellstrand, Anders Rikard LU
- supervisor
- organization
- course
- LAGF03 20192
- year
- 2019
- type
- M2 - Bachelor Degree
- subject
- keywords
- Civilrätt, Fastighetsrätt, Panträtt, Inteckningsrätt, Jordabalken, 22 kapitlet Jordabalken, Inteckning, Pantbrev, Inskrivning, Interregionala inteckningar, Regionalitetsprincipen, Hypotekarisk panträtt, Utsträckning, Relaxation, Dödning, Skatterätt, Stämpelskatt.
- language
- Swedish
- id
- 8999613
- date added to LUP
- 2020-04-04 17:02:46
- date last changed
- 2020-04-04 17:02:46
@misc{8999613,
abstract = {{The thesis deals with the conditions surrounding the regulation in chapter 22, section 2, paragraph 3, paragraph 2, land Code (Swe: jordabalken), including the prohibition on interregional mortgages for Swedish properties. Due to the stamp duty, that is charged to an additional mortgage holder pursuant to section 24 of the Stamp Tax Act (1984: 404; Swe: Lagen om stämpelskatt vid inskrivningsmyndigheter) on the additional mortgage holder, existing mortgages in real estate constitute a non-insignificant asset for the property owner.
According to Swedish law, a mortgage constitutes movable property and is thus not part of the property in which the mortgage is registered. The mortgage also does not constitute property accessories. As a movable property, the mortgage therefore constitutes a separate value in addition to the value of the real property, which in many cases is likely to be overlooked in the real estate transfer context.
However, the right of disposal is limited. The mortgage must be linked to at least one property in order to exist. Nevertheless, the property owner's ability to separate the mortgage from the property is governed by the holder's ability to increase the scope of the mortgage to several properties (so-called joint-mortgages) and to eliminate it (so-called killing) and to partial eliminate the mortgage (so-called relaxation). Hence, these instruments control the possibility for the property owner to be able to claim the value of the mortgage regardless of the property in which the mortgage is registered.
The meaning of chapter 22, section 2, paragraph 3, sentence 2 in the land code, the so-called principle of regionality (Swe: regionalitetsprincipen), constitutes an extremely odd restriction in the field of property law today. The principle of regionality restricts the possibility for the owner of the mortgage to move the asset depending on the geographical location of the real estate within the country. A person wishing to share or transfer the mortgage from one property to another can, due to the regulation, only be granted their application when the mortgage is moved between properties located in one of seven geographical areas.}},
author = {{Hellstrand, Anders Rikard}},
language = {{swe}},
note = {{Student Paper}},
title = {{22 kap. 2 § 3 st. 2 men. jordabalken - Förbudet mot interregionala inteckningar i fast egendom}},
year = {{2019}},
}