| 单词 | Tacking of further advances |
| 释义 | 加貸款項的按揭優先清償 A means by which a mortgagee may gain priority over a later mortgagee for moneys advanced after the date of the later mortgage. The mortgagee seeking to tack (‘M1’) already has a mortgage over property securing an earlier advance and is in competition with a subsequent mortgagee (‘M2’) for further advances M1 has made after the mortgagor gave a mortgage to M2. The mortgagee’s right to tack further advances has been greatly reduced by legislation. It is now unlikely that the guarantor’s right to the transfer of a mortgage can be postponed, after the debt has been paid, until further advances have also been paid: Nicholas v Ridley [1904] 1 Ch 192 (CA). In relation to mortgages created after 1 November 1984, tacking is allowed under certain conditions: (a) if the subsequent mortgagee so consents, or (b) where the further advance or re-advance does not exceed, with any other outstanding advance or re-advance, the specified maximum amount secured under that prior mortgage, or (c) where that prior mortgage is in favour of an authorized institution (usually a bank, as defined in the Banking Ordinance (Cap 155)) and is expressed to secure all money which may, from time to time, be owing to the prior mortgagee: Conveyancing and Property Ordinance (Cap 219) s 45(1). Conditions (b) and (c) above are effective whether or not the prior mortgagee had notice of the subsequent mortgage at the time when the further advance or re-advance was made by the prior mortgagee: s 45(1). See also Building mortgage; Tabula in naufragio; Tacking. 憑藉此方法，承按人可在其後按揭的日期，獲取先於其後的承按人的優先權。尋求加貸的承按人(「承按人1」)在財物上已有保證較早時放款的按揭，並與其後的承按人 (「承按人2」)為承按人1在按揭人給予承按人2按揭後作出的加貸有競爭。承按人加貸的權利已大幅被法例削減。在已支付有關的債務後，直至亦已支付加貸款項為止，現在相當不可能延遲擔保人轉移按揭的權利： Nicholas v Ridley [1904] 1 Ch 192（英國上訴法院）。就於1984年11月1日之後產生的按揭而言，根據若干條例件可作出按揭優先清償：(a) 如其後的承按人同意，或 (b)如加貸或再貸出的款項，連同其他尚欠的貸款或再貸出款項，款額不超逾以該先前按揭為保證的指明最高款額；或(c) 如該先前按揭是以一間認可機構(通常是銀行，即《銀行業條例》(第155章)所界定的認可機構)為受惠一方，並且明訂為不時欠該先前承按人的全部款項的保證：《物業轉易及財產條例》(第219章)第45(1)條。而不論先前的承按人在加貸或再貸出款項時是否知悉該其後的按揭，條件(b)及(c)均屬有效：第45(1)條。另見 Building mortgage; Tabula in naufragio; Tacking。 |
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