TOA AN NHAN DAN    CONG HO A XA HOI CHU NGHIA VIET NAM

• • •

TtNH HAI DlTONG             Doc lap - Tu* do - Hanh phuc

Ban an so: 03/2024/KDTM-PT

Ngay 20-6-2024

V/v Tranh chap quyen su dung dat

NHAN DANH

NlTOC CONG HOA XA HOI CHU NGHIA VIET NAM • • •

TOA AN NHAN DAN TtNH HAI DlTONG

• - Thanli phan Hoi dong xet xiiphuc th am gom co:

9                                                                        /A                       —                      _

Tham phan - Chu too phien too: Ong Nguyen Minh Tan

Cac tham phan: Ba Doan Thi Huong Nhu va Doan Thi Thu Thuy

• - Thicky phien toa: Ong Nguyen Le Hoan - Thu ky Toa an nhan dan tinh Hai Duong

• - Dai dien Vien kiem sat nhan dan tinh Hai Duxrng tham gia Ba Dinh Thi Thanh Hue - Kiem sat vien

  

Ngay 20 thang 6 nam 2024, tai tru so Toa an nhan dan tinh Hai Duong xet xu phuc tham cong khai vu an Kinh doanh thuong mai thu ly so 01/2024/TLPT- KDTM ngay 11 thang 4 nam 2024 ve viec “ Tranh chap hap dong tin dung, hap dong the chap tai san” va thu ly yeu cau doc lap so 14B/2021/TB-TLVA ngay 06/01/2021 ve viec yeu cau Huy hop dong chuyen nhuong quyen su dung dat, Huy giay chung nhan quyen su dung dat va huy hop dong the chap tai san.

Do ban an kinh doanh thuong mai so tham so: 01/2024/KDTM-ST ngay 10/01/2024 cua Toa an nhan dan thanh pho Hai Duong, tinh Hai Duong bi khang cao. Theo Quyet dinh dua vu an ra xet xu phuc tham so: 04/2024/QDST- KDTM ngay 15/5/2024, giua:

1 JVgwyew dan: Ngan hang H4 (Cnk).

Dia chi tru so chinh: Toa N Hoang Dao T, phuong T, quan C, thanh pho Ha Noi. Nguoi dai dien theo phap luat: Ong Nguyen Quoc C - Chu tich HDQT. _                                                                   a                                                                          r

Nguoi dai dien theo uy quyen: Ong Vu Van T - Giam doc Ngan hang H4 chi nhanh H5, ong Nguyen Dinh L - Pho giam doc Ngan hang H4 chi nhanh H5; Dia chi: So A N, phuong P, thanh pho H, tinh Hai Duong. Ong L co mat tai phien toa.

• 2. Bi dan: Ong Cao Xuan Cl - Chu ho kinh doanh Cao Xuan Cl. Dia chi dang ky kinh doanh: Khu B, P, phuong T, thanh pho H, tinh Hai Duong. Dia chi cu tru: Doi 3, xa G, thanh pho H, tinh Hai Duong. Co mat.

• 3. Ngudi cd quyen lai, nghia vu lien quan:

  • 3.1. Ong Cao Xuan Cl, sinh nam 1959, dia chi: D, xa G, thanh pho H, tinh Hai Duong. Co mat.

  • 3.2. Ba Tran Thi H, sinh nam 1958, dia chi: Khu P, phudng T, thanh pho H, tinh Hai Duong. Vang mat.

Ngudi dai dien theo uy quyen cua ba H: Anh Cao Minh Hl, sinh nam 1986, dia chi: Khu P, phudng T, thanh pho H, tinh Hai Duong. Co mat.

• 3.3 Anh Hoang Quy B, sinh nam 1995, dia chi: Thon B, thi tran L, huyen r

C, tinh Hai Duong. Vang mat.

• 3.4 Van phong cong chung Bui Van H2. Ngudi dai dien theo phap luat: Ong Bui Van H2 - Truong Van phong. Dia chi: So B T, phudng N, thanh pho H, tinh Hai Duong. Vang mat va de nghi xet xu vang mat.

• 3.5 Van phong cong chung Nguyen Van Q. Ngudi dai dien hop phap: Ong Dinh Cong LI - Cong chung vien. Dia chi: So F T, phudng T, thanh pho H, tinh Hai Duong. Vang mat va de nghi xet xu vang mat.

• 4. Ngudi co quyen loi, nghia vu lien quan co yeu cau doc lap: Ba Mai Thi Tl, sinh nam 1954, dia chi: Thon B, thi tran L, huyen C, tinh Hai Duong. Co mat.

Ngudi bao ve quyen va lai ich hap phap cua ba Tl: Ong Pham Van H3 - Van phong Luat su K va cong su - Doan Luat su H6. Co mat.

• 5. Ngudi lam chung: Anh Le Xuan D, sinh nam 1974.

Dia chi: D, P, phudng T, thanh pho H, tinh Hai Duong.

• 6. Ngudi khang cao: Ba Mai Thi Tl, sinh nam 1954, dia chi: Thon B, thi tran L, huyen C, tinh Hai Duong. Co mat.

NOI DUNG VU AN:

• •

Theo ban an kinh doanh thuong mai so tham va dien bien tai phien toa, vu an cd noi dung tom tat nhu sau:

Ngan hang H4 (viet tat: C3nk) chi nhanh H5 va ong Cao Xuan Cl- Chu ho kinh doanh Cao Xuan Cl da thoa thuan ky ket xac lap Hop dong tin dung (viet tat: HDTD) so 15/HDTD ngay 21/9/2015 vdi noi dung chinh: Ngan hang r \       or

cho ong Cl vay so tien 800.000.000d de nang cap cua hang trung bay, mua may moc thiet bi san xuat kinh doanh co khi; thdi han vay 48 thang; lai suat vay la 0.8%/thang va sau 03 thang thi lai suat cho vay se duoc dieu chinh; lai suat no qua han la 150% lai vay trong han; tien no goc duoc tra lam 04 ky, tien lai duoc tra hang thang. Ngan hang da giai ngan cho ong Cl true tiep nhan du so tien vay 800.000.000d nhung ong Cl moi tra cho Ngan hang tong so tien lai la 35.537.400d.

Tai san the chap: Ong Cao Xuan Cl cung vo la ba Tran Thi H da the chap tai san gom toan bo dien tich dat va cac cong trinh xay dung tren dat thuoc thua dat so 168, to ban do so 06 tai thi tran L, huyen C, tinh Hai Duong cho C2nk theo Hop dong the chap (viet tat: HDTC) quyen sir dung dat so 15/HDTC ngay 29/9/2015. Tai lieu chung minh quyen so huu, sir dung hop phap cua ong Cl, ba H doi vdi tai san the chap la Giay chung nhan quyen su dung dat (viet tat: GCN QSDD) so I 288318, vao so cap GCN QSDD so 684 QSDD/LC-CB do UBND huyen C (nay la UBND huyen C) cap ngay 21/3/1997 dung ten ba Mai Thi T1 va duoc Van phong dang ky quyen su dung dat huyen C, tinh Hai Duong dieu chinh bien dong chu sir dung dat la ong Cao Xuan Cl ngay 30/11/2012. HDTC duoc cong chung va duoc dang ky giao dich bao dam theo quy dinh cua phap luat.

Khoan no cua ong Cl da qua han thanh toan, C2nk nhieu lan don doc nhung ong Cl chua thuc hien xong nghia vu tra no. Nay COnk khdi kien yeu cau Toa an buoc ong Cl phai thanh toan cho C2nk so tien no tinh den ngay 10/01/2024 la 1.647.369.192d va phai tiep tuc tra lai phat sinh ke tir ngay 11/01/2024 cho den khi thuc hien xong nghia vu tra no vdi mire lai suat no qua han theo thoa thuan tai HDTD. Truong hop ong Cl khong thuc hien hoac thuc hien khong day du nghia vu tra no thi Ngan hang duoc quyen yeu cau co quan 9                 x                                              r         r          o                x

thi hanh an co tham quyen xir ly tai san the chap de thu hoi no. COnk khong chap nhan cac yeu cau doc lap cua ba Mai Thi T1.

A

Bi ctffn dong th&i Id ngtrdi cd quyen lo'i, nghia vu lien quan, ong Cao Xuan Cl trinh bay:

Ong va C3nk chi nhanh H5 da ky ket HDTD ngay 21/9/2015 vdi cac noi r                                     r

dung chinh nhu dai dien nguyen don da trinh bay. Ong true tiep nhan du so tien vay 800.000.000d va da tra duoc so tien lai la 35.537.400d; chua tra duoc so X            ^{r                     9}

tien goc nao. De bao dam thuc hien nghia vu tra no, ong cimg vo la ba Tran Thi H da the chap cho C2nk chi nhanh H5 toan bd dien tich dat va cac cong trinh xay dung tren dat thuoc thua dat so 168, to ban do so 06 tai thi tran L, huyen C, tinh Hai Duong theo HDTC quyen sir dung dat ngay 29/9/2015. Nguon goc tai r         r                                                          o                                                         x

san the chap la do ong nhan chuyen nhuong cua ba Mai Thi T1 theo Hop dong 9                                      A                                  A

chuyen nhuong quyen sir dung dat duoc Van phong C4, thanh pho H cong chung so 380, quyen so 01, ngay 28/5/2012. Ong da duoc Van phong dang ky x                                     r

quyen sir dung dat huyen C, tinh Hai Duong dang ky bien dong dung ten chu sir dung dat ngay 30/11/2012. Vi chua co nhu cau sir dung nen vo chong ong van cho ba T1 d nhd tai nha dat nay tu khi nhan chuyen nhuong nha dat den nay.

Ong nhat tri tra no theo yeu cau cua nguyen don va de nghi nguyen don xem xet mien, giam cho ong mot phan tien lai. Truong hop ong khong thuc hien \                                                                                     r

hoac thuc hien khong day du nghia vu tra no thi ong nhat tri de nguyen don X                                                                                       9                     X                                                                 <           <

diroc yeu cau co quan thi hanh an co tham quyen phat mai tai san the chap de thu hoi no. Ong khong nhat tri vdi cac yeu cau doc lap cua ba Mai Thi T1.

r

Tai do’ll khffi kien ngay 05/01/2022 va qua truth giai quyet vu an, ngirdi cd quyen l&i, nghia vu lien quan cd yeu cau doc lap Id bd Mai Thi Tl truth bay

Ngay 24/5/2012, thong qua nguoi quen la ba X, ba QI (khong biet ho ten, dia chi), ba gap va hoi vay tien cua anh Le Xuan D, ong Cao Xuan Cl tai Van *5                                                                            5                            5           9

phong C4. Ong Cl dua cho ba Hop dong vay tien de ba tu ghi noi dung vay cua vo chong anh D so tien l.lOO.OOO.OOOd roi ky ten, diem chi tai muc “Nguoi vay tien¹’. Tai mat sau cua Hop dong vay tien ba ghi thong tin ve thua dat so 168 to ban do so 06 tai thon B, thi tran L, huyen C, tinh Hai Duong vdi muc dich neu den han ma ba khong tra dupe no cho ong D, ong Cl bang tien thi ba se tra no cho ho bang nha dat nay. Sau khi ky hop dong vay tien thi ong C1 chi dua cho ba so tien 300.000.000d; den nay ong Cl chua dua cho ba so tien con lai la 800.000.000d. Ba giao cho ong Cl ban goc GCN QSDD thua dat so 168 to ban 5 r                                  r                                                                       __ 9

do so 06 d thi tran L, huyen C, tinh Hai Duong de ong Cl tin tudng ba se tra no chu khong phai ba chuyen nhuong nha dat cho ong Cl. Nguon goc nha dat tren r                                            5                       <        9                    **

la do ba dupe Nha nude giao dat va xay nha hai tang tren dat de d. Ba van quan ly, sir dung nha dat tu trade cho den nay. Dau nam 2021, ba pha nha hai tang cu de xay nha mdi. Cac cong trinh tren dat hien co do ba cung con trai la anh Hoang Quy B xay dung. Khoang may thang sau khi ky Hop dong vay tien, ong C1 den doi no va dua cho ba xem ban hop dong chuyen nhuong quyen sir dung r                                             9                                                                       r                                                                                                             9

dat co chu ky, diem chi cua ba thi mdi biet ong C1 da lira ba lam thu tuc chuyen nhuong nha dat. Sau do ong Cl dem nha dat cua ba the chap cho Ngan hang de vay tien la vi pham phap luat, lam anh hirdng nghiem trong den quyen loi cua ba. Vi vay ba Tl khdi kien yeu cau Toa an giai quyet cac noi dung sau: Huy 5                           9                                            5                                      r

Hop dong chuyen nhuong quyen sir dung dat duoc Van phong C4 cong chung so 380, quyen so 01 ngay 28/5/2012; huy giay chung nhan quyen sir dung dat so I 288318 do UBND huyen C cap ngay 21/3/1997 dung ten ba Mai Thi Tl va duoc Van phong dang ky quyen sir dung dat huyen C dang ky bien dong chu sir dung dat la ong Cao Xuan Cl ngay 30/11/2012; huy HDTC ky giua ong Cao Xuan Cl va C2nk chi nhanh H5. Ba khong yeu cau Toa an giai quyet hau qua khi tuyen huy cac hop dong neu tren va khong yeu cau Toa an giai quyet quan he vay no giira ba vdi ong C1 trong cimg vu an nay.

Nguoi cd quyen loi, nghia vu lien quan Id bd Tran Thi H truth bay.

Ngay 28/5/2012, vp chong ba nhan chuyen nhuong nha dat thuoc thira dat 168, to ban do 06 tai thon B, thi tran L, huyen C, tinh Hai Duong cua ba Mai Thi ___  <59

Tl. Ong Cl cung ba T1 da ky ket hop dong chuyen nhuong nha dat, cong chung hop dong tai Van phong C4 va lam thu tuc sang ten theo quy dinh phap luat. Vi 9                                         9                                                  '                                                              9

thdi diem nhan chuyen nhuong nha dat, cac co quan co tham quyen khong yeu cau ca hai vp chong phai cung ky ket hop dong chuyen nhuong nen chi co ong 5

C1 ky hop dong va lam cac thu tuc co lien quan den viec nhan chuyen nhuong nha dat cua ba Tl. Nam 2015, do can von de kinh doanh nen ong Cl- Chu ho kinh doanh Cao Xuan Cl ky HDTD vay COnk chi nhanh H5 so tien 800.000.000d. De bao dam thirc hien nghia vu tra no cua ong Cl, vo chong ba da the chap toan bo nha dat thuoc thua dat so 168, to ban do so 06 d thon B, thi tran L, huyen C, tinh Hai Duong cho C2nk. Truong hop ong Cl khong thirc hien hoac thirc hien khong day du nghia vu tra no thi ba nhat tri COnk diroc yeu cau co quan thi hanh an cd tham quyen phat mai tai san the chap de thu hoi no.

Ngu’d'i lain chirng la anh Le Xuan D trinh bay: Do lam dich vu cam do nen ai cam co, the chap tai san cho anh thi anh se true tiep giao tien vay cho ngudi do. Viec anh cho ba Mai Thi Tl vay tien khong lien quan den ong Cao Xuan Cl. Ba Tl da tra het no cho anh thi moi lay diroc giay to nha dat de lam thu tuc chuyen nhirong nha dat cho ong Cl. Hien anh khong con quyen loi, nghia vu gi lien quan den thua dat so 168, to ban do so 06 d thon B, thi tran L, huyen C, tinh Hai Duong.

Tai Ban an kinh doanh thuong mai sex tham so 01 /2024/KDTM-ST ngay 10/01/2024 cua Toa an nhan dan thanh pho Hai Duong, tinh Hai Duong da quyet dinh: Chap nhan sir thoa thuan cua Ngan hang H4 (C3nk) va ong Cao Xuan Cl- Chu ho kinh doanh Cao Xuan Cl ve viec ong Cl co nghia vu thanh toan cho C2nk tong so tien no tinh den ngay 10/01/2024 la 1.647.369.1926 ( mot ty sau tram bon miroi bay trieu ba tram sau miroi chin nghin mot tram chin hai dong) gom: no goc = 800.000.000d, no lai trong han = 222.877.738d, no lai qua 9

han = 624.491.454d. Ke tir ngay ban an co hieu lire phap luat, Cnk co don yeu cau thi hanh an ma ong Cao Xuan C1 khong thirc hien hoac thirc hien khong day du nghia vu tra no thi C2nk co quyen de nghi co quan thi hanh an co tham quyen xu ly cac tai san the chap. Hoan tra ba Mai Thi Tl, anh Hoang Q2 Binh gia tri cac tai san gan lien vdi dat khi xu ly tai san the chap. Khong chap nhan doi vdi cac yeu cau doc lap cua ba Mai Thi Tl. Ngoai ra ban an con quyet dinh ve phan an phi, chi phi to tung va quyen khang cao.

Ngay 19/01/2024 ba Mai Thi Tl co don khang cao toan bo ban an kinh doanh thuong mai so tham so 01/2024/KDTM-ST ngay 10/01/2024 cua Tda an nhan dan thanh pho Hai Duong, tinh Hai Duong.

Trong qua trinh chuan bi xet xu phuc tham va tai phien tda phuc tham, ba Tl van giu nguyen yeu cau doc lap, ba Tl xac dinh theo nhu yeu cau khdi kien thi tai cap so tham va van de nghi tuyen bd hop dong chuyen nhirong vo hieu va buoc ong C1 phai tra lai giay chirng nhan quyen sir dung dat, quyen sir dung dat va tai san gan lien vdi dat thi day chinh la hau qua cua hop dong vo hieu de nghi Tda an giai quyet. De nghi huy hop dong the chap giira ong Cl va Ngan hang C3nk va giay chirng nhan quyen su dung dat. Ba Mai Thi Tl de nghi mien an phi dan sir so tham, phuc tham.

Tai phien tda, dai dien Ngan hang C3nkva Ong Cao Xuan Cl de nghi HDXX khong chap nhan khang cao cua ba T1, giu nguyen ban an so tham cua TAND thanh pho Hai Duong. Ong Cao Xuan Cl de nghi mien an phi dan sir so tham.

Dai dien Vien kiem sat nhan dan tinh Hai Duong phat bieu y kien: Toa an cap phuc tham da thirc hien dung cac quy dinh cua Bo luat To tung dan sir tir khi thu ly den khi xet xir; Can cir khoan 1 Dieu 308 cua BLTTDS, de nghi Hoi dong xet xir khong chap nhan khang cao cua ba Tl; giir nguyen ban an KDTM so tham so 01/2024/KDTM-ST ngay 10/01/2024 cua Toa an nhan dan thanh pho Hai Duong, tinh Hai Duong. Mien an phi KDTM phuc tham doi voi ba Tl.

NHAN DINH CUA TOA AN:

• •

Sau khi nghien cuu cac tai lieu co trong ho so vu an diroc xem xet tai phien toa, can cir vao ket qua tranh tung tai phien toa, y kien de nghi cua vi dai dien y

Vien kiem sat, Hoi dong xet xir nhan dinh:

• [1] Ve to tung: Khang cao cua ba Mai Thi Tl trong thdi han luat dinh nen diroc xem xet theo thu tuc phuc tham.

• [2] X et khang cao, HDXX xet thay: Toan bo hop dong chuyen nhuong quyen sir dung dat giua ba Tl va ong Cl duoc xac lap ngay 28/5/2012 da diroc cac ben ky ket va cong chirng tai Van phdng C4, TP H, tinh Hai Duong. Qua ket qua giam dinh chu ky, chir viet cua ba T1 trong cac hop dong, xac dinh dung chu ky cua ba T1. Tuy nhien ke tir sau khi ky hop dong chuyen quyen sir dung dat cac ben van chira thirc hien viec giao tai san la quyen sir dung dat va tai san gan lien voi dat cho nguoi nhan chuyen nhuong la ong C1. Hon nua ba T1 van dang quan ly sir dung tai san nay va nam 2021 ba T1 va anh B da pha bo nha cu va xay dung nha hai tang kien cd tren dat nhirng ong Cl khong co y kien gi. Mat khac ong C1 chira ngay nao quan ly sir dung tai san nay. Ong C1 cung khong co can cu gi chirng minh viec giao tien 1.100.000.000d cho ba Tl, ba Tl chi thira nhan nhan 300.000.000d tien vay cua ong Cl. Trong ho so vu an con the hien ngay 24/5/2012 ba Tl cd viet giay vay tien ciia ong Le Xuan D voi so tien l.lOO.OOO.OOOd va viet thong tin thira dat ciia ba Tl vao sau mat giay vay tien. Trong khi do ngay 28/5/2012 giua ong Cl va ba Tl lai co van ban Hiiy hop dong vay tien cd the chap tai Van phdng C5 doi voi hop dong vay tien ciia ba Tl va ong Cl lap ngay 24/5/2012. Nhu vay cimg ngay 24/5/2012 ba Tl dimg 1 tai san la quyen sir dung dat de the chap vay tien ciia hai nguoi la ong Cl, ong D. Trong khi do ba Tl chi thira nhan vay ong D l.lOO.OOO.OOOd nhung nguoi dira tien la ong Cl va ong Cl moi chi dira cho ba Tl nhan 300.000.000d va ba Tl dira giay chirng nhan quyen sir dung dat cho ong Cl quan ly. Ba Tl khai ngay 28/5/2012 nhan tien vay 300.000.000d ciia ong Cl sau do tra ngay ba X 50.000.000d tai van phdng C6 voi Giay viet tay nhan tien ciia ba X sau khi nhan

y                                                                                                                                      y                                  9

tien ciia ong Cl la cd can cu. Ong Cl khai da tra tien nhan chuyen nhuong quyen sir dung dat ciia ba Tl ngay 28/5/2012 va tra du so tien 1.550.000.000d cung ngay, nhung den ngay 28/7/2012 ba Tl lai cd giay tra tien ong Cl 50.000.000d, ngay 30/9/2012 ba Tl tra tiep 60.000.000d va diroc ong Cl ky xac nhan. Nhu vay, loi khai ciia ong C1 mau thuan voi cac chirng cir la giay tra tien do ba Tl cung cap vi neu ba Tl chuyen nhuong tai san va nhan du tien ciia ong

C1 thi khong co viec ba T1 phai tra tiep cho ong C1 so tien tong hai dot la 110.000.000d. Tir phan tich tren co can cu xac dinh hop dong chuyen nhuong quyen sir dung dat giua ba Tl, ong Cl ngay 28/5/2012 tai Van phong C4, thanh pho H la giao dich gia tao nham che giau giao dich vay va cho vay tien giua ong Cl va ba Tl. Do vay, hop dong chuyen nhuong quyen su dung dat giua ba Tl, ong Cl ngay 28/5/2012 tai Van phong C4, thanh pho H vd hieu, theo quy dinh tai Dieu 124 cua Bo luat dan sir nam 2015. HDXX chap nhan noi dung khang cao cua ba T1.

• [3] Ve hau qua cua hop dong vd hieu: Theo don yeu cau cua ba Tl va qua trinh giai quyet tai cap so tham, ba Tl khong yeu cau giai quyet hau qua hop dong vd hieu, tuy nhien van yeu cau ong C1 phai tra lai giay chung nhan quyen sir dung dat va huy giay chung nhan quyen sir dung dat khi da dieu chinh mang ten ong Cl. Tai giai doan phuc tham Toa an da giai thich cac quy dinh cua phap luat ve viec giai quyet hau qua cua hop dong vd hieu, ba Tl xac dinh cd yeu cau giai quyet hop dong vd hieu. Hon nua trong vu an nay lien quan den hop dong the chap tai san giua ong Cl va Ngan hang H4 nen can phai giai quyet hau qua cua hop dong vd hieu moi giai quyet triet de vu an. Do vay, can xem xet cu the 99     y

nhu sau: Giao dich vd hieu nen khong lam phat sinh, thay doi, chain dirt quyen, 9                           9                 r                    \

nghia vu dan sir cua cac ben ke tir thdi diem ba Tl, ong Cl ky ket hop dong chuyen nhuong quyen sir dung dat ngay 28/5/2012. Ong Cl phai tra lai quyen sir dung dat va Giay chung nhan quyen sir dung dat cho ba Tl, ba Tl phai tra ong C1 so tien da nhan. Trong vu an nay ong C1 da the chap quyen sir dung dat ciia ba Tl tai Ngan hang H4 de vay tien nhirng khong cd kha nang tra ngan hang tien va xoa the chap tra lai tai san cho ba T1 quyen sir dung dat va giay chung nhan y                                       r                                                                                            y                y          /x                                       y

quyen sir dung dat, do vay ong Cl phai tra ba Tl bang tien. Ong Cl cho rang nhan chuyen nhuong vdi gia 1.550.000.000d da tra ba Tl, tuy nhien ba Tl khong thira nhan va trong hop dong chuyen nhuong cung chi ghi y                                      r       y                   9

1.100.000.000d do vay can cu hop dong xac dinh so tien chuyen nhuong la l.lOO.OOO.OOOd. Theo bien ban dinh gia tai san la quyen sir dung dat ciia ba Tl hien nay thi 200m² dat d la 2.400.000.000d, 10 m² dat trong cay lau nam la 50.000.000d, tong la 2.450.000.000d. Chenh lech gia tri tai san giua thdi diem chuyen nhirng 28/5/2012 va hien nay la 1.350.000.000d nen day la hau qua cua giao dich vd hieu. Do hai ben deu cd loi dan den ky hop dong nham che giau hop dong vay nen moi ben phai chiu 50% loi tuong irng vdi so tien la 675.000.000d. Ba Tl da nhan cua ong Cl 300.000.000d da tra duoc 110.000.000d nen con phai tra 190.000.000d. doi trir vdi so tien ong Cl phai tra ba Tl thi ong Cl

675.000.000d (hau qua hop dong vo hieu))-190.000.000d ba Tl chua tra = 1.585.000.000d.

[3]. Ve Hop ddng tin dung va so tien no' chua thanh todn, dai dien cua nguyen don Ngan hang H4 va bi don ong Cao Xuan Cl da thoa thuan tai cap so tham va van giir nguyen quan diem da trinh bay. Dai dien Ngan hang va ong C1 thoa thuan, ong Cl co nghia vu thanh toan cho C2nk tong so tien no tinh den ngay 10/01/2024 la 1.647.369.192d gom: no goc = 800.000.000d, no lai trong han = 222.877.738d, no lai qua han = 624.491.454d. Cap so tham da chap nhan sir thoa thuan ciia cac duong sir la phu hop quy dinh ciia phap luat.

[51 Xet HDTC va xir ly tai scin the chap\ De dam bao nghia vu thanh toan cua ong Cao Xuan Cl - Chu ho kinh doanh Cao Xuan Cl, ong Cao Xuan Cl va ba Tran Thi H da ky Hop dong the chap quyen sir dung dat so 15/HDTC ngay 29/9/2015. Theo noi dung Hop dong the chap tai san, ong Cl va ba H da the chap quyen sir dung 210m2 dat (gom 200m2 dat a, 10m2 dat trong cav Ian ndm) thuoc thira dat so 168, to ban do so 06 tai xa L, huyen C (nay la thon B, thi tran L, huyen C), tinh Hai Dirong va cong trinh xay dirng tren dat,theo giay chirng nhan quyen sir dung dat so I 288318 do UBND huyen C cap ngay 21/3/1997 dirng ten ba Mai Thi T1 va diroc Van phong dang ky quyen sir dung dat huyen C dang ky bien dong chu sir dung dat la ong Cao Xuan Cl ngay 30/11/2012. Xet r                           x                   r           r                                                                                           r

thay Hop dong the chap tai san neu tren diroc ky ket boi nhirng ngudi co du nang lire, tham quyen, diroc chirng nhan boi co quan cong chirng va dang ky tai san the chap theo quy dinh cua phap luat. Do vay, Hop dong the chap tai san la hop phap, lam can cu phat sinh quyen va nghia vu giira cac ben. Ba T1 de nghi Huy hop dong the chap tai san nay la khong co can cir chap nhan. Tuy nhien do hop dong chuyen nhuong quyen sir dung dat giira ong Cl va ba T1 vd hieu, trong khi do viec Ngan hang H4 nhan the chap tai san ciia ong Cl khi xuong kiem tra tai san va lam thu tuc nhan the chap tai san thi ba T1 cung khong co y kien gi, Ngan hang cung khong biet viec giira ong Cl va ba T1 ky ket hop dong nham che giau mot giao dich dan sir kliac dan den hop dong vo hieu, do vay Ngan hang H4 la ngudi thu ba hop phap ngay tinh. Nay ong Cao Xuan Cl - Chu ho kinh doanh Cao Xuan Cl da vi pham nghia vu thanh toan theo Hop dong tin dung va khe iroc nhan no da ky vdi C2nk. Do vay, yeu cau ve viec ke bien, phat mai tai san the chap de dam bao cho nghia vu tra no ciia ong Cao Xuan Cl - Chu ho kinh doanh Cao Xuan Cl doi vdi C2nk la co can cir. Gia tri cac tai san gan lien vdi dat khi xir ly tai san se duoc hoan tra cho chu so huu la ba Tl, anh B. Neu gia tri tai san the chap Ion lion khoan no phai thanh toan thi phan chenh lech duoc tra cho ben the chap. Neu gia tri tai san the chap khong du de tra no thi ong C1 phai tiep tuc thanh toan phan con thieu cho C2nk.

• [6] Theo don yeu cau ciia ba T1 con de nghi Huy Giay chirng nhan quyen sir dung dat so I 288318, vao so cap GCN QSDD so 684 QSDD/LC-CB do UBND huyen C (way la UBND huyen C) cap ngay 21/3/1997 dirng ten ba Mai Thi Tl va diroc Van phong dang ky quyen sir dung dat huyen C, tinh Hai Duong dieu chinh bien dong chu sir dung dat la ong Cao Xuan Cl ngay 30/11/2012. HDXX xet thay khong can thiet phai hiiy Giay chirng nhan quyen sir dung dat va viec khong hiiy Giay chirng nhan quyen sir dung dat tren van dam bao giai quyet dimg dan vu an, khong lam anh hirbng den quyen va nghia vu ciia cac dirong sir. Do vay, khong chap nhan noi dung khang cao nay ciia ba T1.

• [7] Tir phan tich tren, HDXX can cu khoan 2 Dieu 308 va Dieu 309 cua BLTTDS, sua ban an kinh doanh thuong mai sex tham so 01/2024/KDTM-ST ngay 10/01/2024 cua Toa an nhan dan thanh pho Hai Duong, tinh Hai Duong.

X                          __ 9                              X                                                 X

• [8] Ve an phi: Do sua an so tham nen phan an phi cung can tinh toan lai cho phu hop. Ong Cao Xuan Cl - Chu ho kinh doanh Cao Xuan Cl phai chiu an phi Kinh doanh thuong mai so tham. Ca nhan ong Cao Xuan Cl la ngircxi cao

9          x                                                                                                  9             r                                                            r                       \

tuoi de nghi mien an phi dan sir so tham doi vbi viec giai quyet hop dong vd hieu va hau qua cua hop dong vd hieu, HDXX chap nhan, theo quy dinh tai Dieu 12 Nghi quyet 326/2016/UBTVQH 14 ngay 30/12/2016 cua Uy ban thuong vu Quoc hoi quy dinh ve an phi le phi Toa an. Yeu cau doc lap cua ba T1 duoc chap nhan nen khong phai chiu an phi dan sir so tham. Khang cao cua ba T1 diroc chap nhan nen khong phai chiu an phi dan sir phuc tham.

• [9] Cac Quyet dinh khac cua ban an so tham khong cd khang cao, khang nghi, co hieu lire ke tir khi het thbi han khang cao, khang nghi.

Vi cac le tren;

QUYET DINH:

Can cu khoan 2 Dieu 308, Dieu 309 cua Bo luat To tung dan sir; Dieu 12, 15, khoan 2 Dieu 29 Nghi quyet so: 326/2016/UBTVQH 14 ngay 30/12/2016 cua Uy ban Thuong vu Quoc hoi quy dinh ve mire thu, mien, giam, thu, nop quan ly, sir dung an phi va le phi Toa an.

• 1. Xu: Chap nhan mot phan khang cao cua ba Mai Thi Tl. Sira ban an Kinh doanh thuong mai so tham so: 01/2024/KDTM-ST ngay 10/01/2024 cua Toa an nhan dan thanh pho Hai Duong, tinh Hai Duong.

Can cu vao cac Dieu 116, 117, 123, 131, 299, 317, 318, 319, 320, 321, 322, 323 Bo luat dan sir nam 2015; Dieu 91, 95 Luat cac to chirc tin dung; Nghi dinh so 163/2006/ND-CP ngay 29/12/2006 cua Chinh phu ve giao dich bao dam; Nghi dinh so 11/2012/ND-CP ngay 22/02/2012 cua Chinh phu ve sua doi, bo sung mot so dieu cua Nghi dinh so 163/2006/ND-CP ngay 29/12/2006 cua Chinh phu ve giao dich bao dam.

• 2. Chap nhan sir thoa thuan cua Ngan hang H4 (C3nk) va ong Cao Xuan Cl- Chu ho kinh doanh Cao Xuan Cl ve viec ong Cl co nghia vu thanh toan cho Ngan hang C3nk tong so tien no tinh den ngay 10/01/2024 la r                          9

1.647.369.192d (mot ty sau tram bon muoi bay trieu ba tram sau muoi chin nghin mot tram chin hai dong) gom: no goc = 800.000.000d, no lai trong han = 222.877.738d, no lai qua han = 624.491.454d.

9                                   r                                                                                            9                            r

Ke tir ngay tiep theo cua ngay xet xir so tham cho den khi thi hanh an xong, ong Cao Xuan Cl con phai chiu khoan tien lai cua so tien con phai thi hanh an theo muc lai suat cac ben thoa thuan tai Hop dong tin dung so 15/HDTD ngay 21/9/2015.

• 3. Ve xir ly tai san the chap: Ke tir ngay ban an co hieu lire phap luat, Ngan hang C3nk co don yeu cau thi hanh an ma ong Cao Xuan Cl khong thirc hien hoac thirc hien khong day du nghia vu tra no thi Ngan hang C3nk co quyen

y                                                                                                       9                     y                                                                      r           r            \

de nghi co quan thi hanh an co tham quyen xir ly cac tai san the chap gom: Quyen sir dung 210m2 dat (gom 200m2 dat d, 10m2 dot trong cay Jan nam) tliuoc thira dat so 168, to ban do so 6 va cac tai san gin lien vdi dat; dia chi tai san: Thon B, thi tran L, huyen C, tinh Hai Dirong; giay to ve tai san the chap la _e a                 y            r  r                ’>r_fr

Gray chirng nhan quyen sir dung dat so I 288318, vao sd cap giay chirng nhan quyen sir dung dat so 684/QSDD/LC-CB, do UBND huyen C cap ngay 21/3/1997 dung ten ba Mai Thi T1 va diroc Van phong dang ky quyen sir dung dat huyen C dang ky bien dong chu sir dung dat la ong Cao Xuan Cl ngay 30/11/2012 theo Hop dong the chap quyen sir dung dat so 15/HDTC ngay 29/9/2015.

Hoan tra ba Mai Thi Tl, anh Hoang Q2 Binh gia tri cac tai san gan lien vdi dat khi xir ly tai san the chap.

Truong hop sd tien ban tai san the chap con lai ldn hon khoan no phai tra cho Ngan hang C3nk thi phan chenh lech se tra lai cho ben the chap la ong Cao Xuan Cl, ba Tran Thi H. Neu sd tien ban tai san the chap con lai khong du de tra no cho C2nk thi ong Cao Xuan C1 phai tiep tuc thanh toan phan con thieu cho C2nk.

(cd so do kem theo)

• 4. Khong chap nhan cac yeu cau ciia ba Mai Thi Tl ve viec: De nghi huy hop dong the chap quyen sir dung dat sd 15/HDTC ngay 29/9/2015 giira ong Cao Xuan Cl va Ngan hang C3nk; Hiiy giay chirng nhan quyen sir dung dat sd I 288318, vao sd cap giay chirng nhan quyen sir dung dat so 648/QSDD/LC-CB, do UBND huyen C cap ngay 21/3/1997 mang ten ba Mai Thi Tl va diroc Van phong dang ky quyen sir dung dat huyen C dang ky bien dong chu sir dung dat la ong Cao Xuan Cl ngay 30/11/2012.

Chap nhan doi vdi yeu cau doc lap ciia ba Mai Thi T1. Tuyen bo Hop dong chuyen nlnrong quyen sir dung dat ky giira ba Mai Thi Tl vdi ong Cao Xuan Cl diroc Van phong C4 cong chirng sd 380/2012/HDCN- Quyen sd 01- TP/CC-SCC-HDGD ngay 28/5/2012 vo hieu.

• 5. Hau qua xir ly hop dong vo hieu: Buoc ong Cao Xuan Cl phai tra cho ba Mai Thi Tl sd tien tong la: 1.585.000.0003. (Mot ti nam tram tarn miroi lam

  trieu dong).

  9

  Ke tir ngay Ban an co hieu lire phap luat, ngirdi diroc thi hanh an co don yen cau thi hanh an ma ben co nghia vu cham tra tien thi ben do phai tra lai doi vdi so tien cham tra tirong irng vdi thdi gian cham tra. Lai suat phat sinh do cham tra tien diroc thirc hien theo quy dinh tai cac Dieu 357, 468 Bo luat dan sir.

  6. Ve an:

  
  

An phi sex tham: Ong Cao Xuan Cl - Chu ho kinh doanh Cao Xuan Cl r                          r                                                           r                             x

phai chiu 61.421.000d (Sau liuroi mot trieu bon tram hai miroi mot nghin dong) an phi Kinh doanh thuong mai so tham.

Hoan tra C2nk so tien tarn irng an phi da nop la 26.241.OOOd (Tzezz mucri sau trieu hai tram bon miroi mot nghin dong) theo bien lai so AA/2020/0001563 ngay 18/10/2021 cua Chi cue Thi hanh an dan sir thanh pho Hai Dirong, tinh Hai Dirong.

Mien toan bo tien an phi an phi dan sir so tham doi vbi ong Cao Xuan Cl.

An phi phuc tham: Ba Mai Thi T1 khong phai chiu an phi dan sir phuc tham.

Cac quyet dinh kliac cua ban an so tham khong co khang cao, khang nghi, co hieu lire phap luat ke tir ngay het thbi han khang cao, khang nghi.

9                                                                9

Ban an phuc tham co hieu lire phap luat ke tir ngay tuyen an./.

Truong hop Ban an diroc thi hanh theo quy dinh tai Dieu 2 Luat thi hanh an dan sir thi ngirbi duoc thi hanh an dan sir, ngirbi phai thi hanh an dan sir co quyen thoa thuan thi hanh an, quyen yeu cau thi hanh an, tir nguyen thi hanh an hoac bi cirbng che thi hanh an theo quy dinh tai cac dieu 6, 7 va 9 Luat thi hanh an dan sir; thbi hieu yeu cau thi hanh an dan sir diroc thirc hien theo quy dinh tai Dieu 30 Luat thi hanh an dan sir./.

Noinhan:

• - Duong su;

• - VKSND tinh Hai Dirong;

• - TAND thanh pho Hai Dirong;

• - Chi cue THA dan sir thanh pho Hai Duong;

• - Luu: Ho so vu an, Toa Dan sir.

Nguyen Minh Tan