问题 单项选择题

姜某以其房屋设定抵押,后因当地房屋过剩,房价下跌,则抵押权人()。

A.有权要求张某恢复该房屋的价值

B.提供与减少的价值相当的担保

C.提前清偿债务

D.无权提出上述要求

答案

参考答案:D

解析:本题考查的是抵押权的不可分性。抵押权是一种担保物权,具有不可分性。所谓担保物权的不可分性,是指担保物权所担保的债权的债权人得就担保物的全部行使权利。这体现在:债权的一部分消灭,如清偿、让与,债权人仍就未清偿债权部分对担保物全体行使权力;担保物一部分灭失,残存部分仍担保债权全部;分期履行的债权,已届履行期的部分未履行时,债权人就全部担保物有优先受偿权;担保物权设定后,如担保物的价格上涨,债务人无权要求减少担保物,反之,担保物的价格下跌,债务人也无提供补充担保的义务。这种不可分性也体现在担保法的规定中。《担保法》第51条规定:"抵押人的行为足以使抵押物价值减少的,抵押权人有权要求抵押人停止其行为。抵押物价值减少时,抵押权人有权要求抵押人恢复抵押物的价值,或者提供与减少的价值相当的担保。抵押人对抵押物价值减少无过错的,抵押权人只能在抵押人因损害而得到的赔偿范围内要求提供担保。抵押物价值未减少的部分,仍作为债权的担保。"据此,本题中抵押人姜某对抵押物的价值减少没有过错,故抵押权人无权要求抵押人恢复抵押物的价值,或者提供与减少的价值相当的担保,或者提前清偿债务。故本题正确答案为D。

改错题

四、写作(共两节,满分35分)

第一节 短文改错(共10小题;每小题1分,满分10分)

  以下标有题号的每一行均有一个错误,请找出,并按下列情况改正:

  此行多一个词:把多余的词用斜线(\)划掉,在该行右边横线上写出该词,并也用斜线划掉。

  此行缺一个词:在缺词处加一个漏字符号(∧),在该行右边横线上写出该加的词。

  此行错一个词:在错的词下划一横线,在该行右边横线上写出改正后的词。

注意:请在答题卡上作答。

John stayed up late last night, so while he woke up in the                     76.__________

morning, it was already 9 o’clock. He thought, “I was late for                        77.__________

school.” Then he got dressed quickly and washed him                                           78.__________

in no more than ten seconds and hurried into living-room                               79.__________

where his mother was preparing for breakfast. Before his mother                           80.__________

could say anything, he told her, “Mum, it is too late that I                              81.__________

have no time enjoy my breakfast. Good-bye!” With these words                            82.__________

he got his schoolbag but ran out. On the way to school, he                              83.__________

rode fast. It took him ten minutes, four minutes less than usually, to                84.__________

come to the school gate. To his great surprises, it was closed. “Ha!                  85.__________

It is Saturday! How forgetful I am today!”

填空题