Current Issues in Protecting the Rights of Mortgagors – Legal Entities

Matsyk Oleksandra, Surzhenko Olga

Author information
ORCID ID https://orcid.org/0000-0002-9132-9797

Published: 16.12.2025

DOI: https://doi.org/10.69724/2786-8834-2025-7-4-153-162

Keywords: appropriate means of protecting rights, mortgagee - legal entity, establishment of a fact of legal significance

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Обкладинка. 7-й випуск

Abstract

The Constitution of Ukraine guarantees everyone judicial protection of their rights within the framework of constitutional, civil, commercial, administrative and criminal proceedings in Ukraine. It is important to have real mechanisms for the implementation of such constitutional rights by individuals. The relevance of the research topic is due to the large number of court cases concerning the protection of the rights of mortgagees, including mortgagees – legal entities, the violation of which is caused by the mortgagee’s failure to fulfil their obligation to apply to the state registrar with an application for state registration of the termination of the mortgage after the debtor (mortgagee) has fulfilled their obligations under the loan agreement in full, and the ambi- guity of judicial practice in this category of cases. The purpose of this article is to identify the reasons for the differences in the positions of judges and to explore possible ways to resolve the issue of adequate protection of the rights of mortgagees – a legal entity – in the presence of a mortgage entry in the state register, despite full performance of obligations under the loan agreement and the impossibility of filing a claim against the mortgagee – a legal entity – due to the latter’s liquidation. The article uses general scientific and special legal research methods, in particular: comparative legal, systematic and analytical. The article argues for the need to amend the rules of civil procedural law to enshrine the right of a legal entity, on an equal footing with a natural person, to apply to the court in separate proceedings with a statement to establish a fact of legal significance, in particular with a statement to establish the fact of termination of the mortgage, cancellation of the record of prohibition of alienation of immovable property and the record of mortgage, as an appropriate and effective means of protecting the rights of the mortgagee – a legal entity

How to Cite

In accordance with DSTU 8302:2015:
Мацик О. Сурженко О. Актуальні проблеми захисту прав іпотокедавця – юридичної особи. Цивілістична платформа. 2025. № 4 (7). С. 153-162. https://doi.org/10.69724/2786-8834-2025-7-4-153-162

According to the international style of APA:
Matsyk, O. Surzhenko O. (2025) Current Issues in Protecting the Rights of Mortgagors - Legal Entities. С. P. Journal, 4 (7). https://doi.org/10.69724/2786-8834-2025-7-4-153-162 [in Ukrainian].

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