民间借贷合同未约定利息或者利息约定不明，出借人主张利息的，如何处理？-律赢时代

民间借贷合同未约定利息或者利息约定不明，出借人主张利息的，如何处理？

10-22 202

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民法典合同编第十二章借款合同规范的是所有类型的合同，既包括自然人、法人和非法人组织之间进行资金融通而成立的借款合同即民间借贷合同，也包括依法设立的从事贷款业务的金融机构向借款人发放贷款而成立的借款合同即金融借款合同。因此，依据民法典第六百八十条第二款的规定，只要是借款合同没有约定利息，那么无论该借款合同是金融借款合同还是民间借贷合同，也不管借款合同是自然人之间的还是非自然人之间的，一律视为不支付利息。此外，民法典第六百八十条第三款前半句即“借款合同对支付利息约定不明确，当事人不能达成补充协议的，按照当地或者当事人的交易方式、交易习惯、市场利率等因素确定利息”，也适用于除了自然人之间的借款合同之外的所有类型的借款合同。

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父母有债务，登记在未成年子女名下房屋能否排除强执？

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房屋虽登记在未成年子女名下，但法院可在综合分析房屋的购买时间、产权登记时间、购房款支付和购买后的使用情况等因素的基础上，认定房屋应为其父母的家庭共有财产，未成年子女不享有该房屋的所有权。并据此认定该子女对案涉房屋的权利不足以排除强制执行。

签了同意担保承诺书，就一定要承担保证责任吗？

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《民法典》第三百八十八条规定了设立担保物权应当订立担保合同，包括抵押合同、质押合同等。担保承诺函作为担保合同的一种形式，自然受到这些法条的规范，具有法律效力。那是否就表明，只要签了《同意担保承诺书》或者《同意担保承诺函》，因其具有法律属性，就一定要承担保证责任呢？其实，并不尽然。担保承诺函中，保证人承诺在债务人不履行到期债务时承担担保责任，担保责任的范围、期限等应在担保合同中明确约定。司法实践中，常会出现未约定或未明确约定这些事项的情况，这就需要依据相关法律规定进行补充解释。在未约定保证期间的情况下，不论是一般保证还是连带责任保证，保证期间均为主债务履行期限届满之日起6个月，债权人未在保证期间请求保证人承担保证责任的，保证人不再承担保证责任。

养老金账户能否被强制执行？

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民事诉讼法第二百五十三条第一款“被执行人未按执行通知履行法律文书确定的义务，人民法院有权向有关单位查询被执行人的存款、债券、股票、基金份额等财产情况。人民法院有权根据不同情形扣押、冻结、划拨、变价被执行人的财产”，以及第二百五十四条第一款“被执行人未按执行通知履行法律文书确定的义务，人民法院有权扣留、提取被执行人应当履行义务部分的收入。但应当保留被执行人及其所扶养家属的生活必需费用”等规定，均赋予人民法院对被执行人名下养老金予以强制执行的法律权限。

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基本文件流程错误 SQL 调试

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[ SQL ] SELECT * FROM `think_base` WHERE ( sname="qa" ) AND `pid` = 27 LIMIT 1 [ RunTime:0.000147s ]
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[ SQL ] SELECT * FROM `think_base` WHERE `id` = 5475 LIMIT 1 [ RunTime:0.000139s ]
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