抵押权人在债务履行期限届满前与抵押人约定债务人不履行到期债务时抵押财产归债权人所有-法规政策咨询及电话投诉类法律援助-法律咨询免费平台-国际律师联盟

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问题	抵押权人在债务履行期限届满前与抵押人约定债务人不履行到期债务时抵押财产归债权人所有
释义	该约定的条款属于无效条款，违反了物权法定。但在民法典生效后，该条款不在直接归于无效，而就抵押的财产仍优先受偿。法律依据：《中华人民共和国物权法》第一百八十六条抵押权人在债务履行期届满前，不得与抵押人约定债务人不履行到期债务时抵押财产归债权人所有。第四百零二条抵押权人在债务履行期届满前，与抵押人约定债务人不履行到期债务时抵押财产归债权人所有的，只能依法就抵押财产优先受偿。注：民法典于2021年1月1日起生效。
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