動產擔保交易法

This law is enacted to support financing for industry, commerce, and agriculture, and to protect the safety of movable-property secured transactions.

債權清償後，債權人收到書面請求，應立即出具證明文件；債務人或利害關係人可憑該文件向登記機關辦理註銷登記。

動產擔保交易的登記機關在辦理登記、閱覽、抄錄或出具證明書時，應收取規費；規費標準由行政院決定。

在動產擔保交易契約存續期間，標的物的占有人必須以善良管理人注意保管或使用標的物。

The possessor bears the benefits and risks of the movable property security transaction subject matter, unless the contract says otherwise.

在契約約定的動產擔保交易中，債務人不得拋棄本法規定的權利；若拋棄，該約定無效。

This provision defines a chattel mortgage and says the mortgagee may take possession of the mortgaged property, sell it, and be paid first from the sale proceeds if the debtor fails to perform the contract.

動產抵押契約應記載契約當事人、擔保債權、抵押物、占有方式、債務不履行時的行使方法、保險受益人，以及契約日期；若以一定期間內發生的債權作為擔保債權，還要記載最高金額。

抵押權人可在債務違約或抵押物遭處分而損害抵押權行使時，占有抵押物；拒絕交付時可聲請法院假扣押，且在特定登記契約下可依契約聲請強制執行。

抵押權人在占有抵押物前，原則上要提前三天通知債務人或第三人；通知可說明理由並可指定履約期限。

The mortgagee must publicly auction possessed mortgaged property within 30 days after taking possession, after at least 5 days of public notice, and must give written notice to the debtor or a third party 10 days before the auction. If the property can be divided and the auction price is enough to pay the debt and expenses, the auction must stop. The creditor or the creditor’s family may bid and buy the property.

This provision defines “movable property secured transaction” as a transaction under the Act involving a mortgage over movable property, a conditional sale, or possession of the subject matter under a trust receipt.

抵押物賣掉後，價金先用來支付費用，再付利息，最後償還本金；有剩餘要返還債務人，不足時抵押權人得繼續追償。

抵押權人就抵押物為出賣或拍賣時，除依本法規定程序外，並應依民法債編施行法第二十八條辦理。

If the mortgagee possesses or sells the mortgaged property without following Articles 18, 19, and 21, the debtor may claim damages.

A contract clause is invalid if it says mortgaged property will automatically transfer to the mortgagee when the debt is due and unpaid.

A chattel mortgage right cannot be the subject matter of a pledge.

（刪除）

This provision defines “conditional sale” as a transaction where the buyer takes possession of movable property first, and ownership transfers only after partial or full payment, or after a specified condition is completed.

A conditional sale contract must state the listed matters.

在標的物所有權移轉給買受人之前，如果買受人違約或處分標的物而妨害出賣人權益，出賣人可以取回占有標的物。

買受人可在出賣人取回標的物後10日內書面請求再行出賣；出賣人也可在取回後30日內自行再行出賣。

This provision says movable property security transactions are governed by this Act, and any matters not covered by the Act follow the Civil Code and other laws.

This provision says Article 17(2)(3) and Articles 18–22 apply to sellers and buyers in conditional sales.

Movable property mortgaged under this Act cannot be the subject of a conditional sale.

This provision defines “信託占有者” as a transaction where the trustor provides funds or credit to the trustee and secures the claim with ownership of the originally entrusted movable property, while the trustee possesses and disposes of the property under a trust receipt.

A trust receipt must state specified information, including the parties’ names and addresses, the amount of funding or credit, details of the goods, ownership and handling terms, repayment method, remedies on non-performance, insurance beneficiary, and the date.

If the trustee commits any listed breach, the settlor may take back possession of the property.

信託人同意受託人出售標的物時，信託人對因此產生的賣方責任或債務通常不負責；信託人也不得用標的物的所有權對抗買受人，但有附限制處分條款或清償方法且買受人知情時例外。

經依法設定抵押的動產，不得成為信託占有的標的；違反者，信託收據無效。

本條規定，第二章第十七條第二項、第三項及第十八條至第二十二條，對信託占有之信託人及受託人準用。

This provision is deleted.

This provision is marked deleted.

These listed movable items may be used as collateral in movable secured transactions, and the Executive Yuan may set the item names by order.

If collateral is processed, attached, or mixed, the secured claim still extends to the resulting product, attachment, or mixed thing, but only up to the original value.

This provision is deleted.

（刪除）

本法的施行細則由行政院訂定。

本條說明本法的施行時間：本法施行日期由命令決定；修正條文則自公布日施行。

Movable security transactions must be made in writing, and unregistered transactions cannot be enforced against a good-faith third party.

The Executive Yuan determines the registration authority for movable-property security transactions.

契約當事人要把動產擔保交易的契約或副本送登記機關登記；登記機關要記錄收件日期、保存文件、設登記簿並編索引。

申請動產擔保交易登記有不合規定時，登記機關應說明理由並限期要求補正；逾期未補正或補正不完全，應予駁回。

The registration authority must publicly disclose certain contract details on a website or by another suitable method.

動產擔保交易登記的有效期間，原則上依契約約定；沒有約定時，自登記日起算一年。債權人可在期滿前30日內申請延長，延長後的效力從原期限屆滿次日起算，且延長期間不得超過一年。

Chapter 1: General Provisions.

This chapter is titled “動產抵押” (movable property mortgage).

Chapter 30 is titled “Conditional Sale.”

This chapter is titled “Trust Possession.”

本章標示為「刪除」。

This provision is a chapter heading for “Supplementary Provisions.”