Civil Code Article 872
This English translation was last updated on 2021-01-20, but the Chinese text was amended on 2026-08-17. Later amendments may not be reflected in the translation — please refer to the Chinese text.
If the value of a mortgaged property has been reduced for reasons attributable to the mortgagor, the mortgagee may set an appropriate time limit and demand that the mortgagor restore the status quo ante of the said property or that the mortgagor provide a security commensurate with the amount of the reduction in value.When a mortgagor fails to perform a demand made by a mortgagee within the time limit set under the preceding paragraph, the mortgagee may set an appropriate time limit and demand that the debtor provide security commensurate with the reduction in value. If the mortgagor fails to provide such security within the time limit, the mortgagee may demand full repayment of the claim.When the mortgagor is the debtor, the mortgagee may immediately proceed to demand full repayment of the claim without first making the demand referred to in the preceding paragraph.If the value of a mortgaged property has been reduced for reasons not attributable to the mortgagor, the mortgagee is entitled to demand the provision of security only to the extent of the benefit thereby received by the mortgagor.
中文原文 民法第872條
抵押物之價值因可歸責於抵押人之事由致減少時，抵押權人得定相當期限，請求抵押人回復抵押物之原狀，或提出與減少價額相當之擔保。
抵押人不於前項所定期限內，履行抵押權人之請求時，抵押權人得定相當期限請求債務人提出與減少價額相當之擔保。
屆期不提出者，抵押權人得請求清償其債權。
抵押人為債務人時，抵押權人得不再為前項請求，逕行請求清償其債權。
抵押物之價值因不可歸責於抵押人之事由致減少者，抵押權人僅於抵押人因此所受利益之限度內，請求提出擔保。
抵押人不於前項所定期限內，履行抵押權人之請求時，抵押權人得定相當期限請求債務人提出與減少價額相當之擔保。
屆期不提出者，抵押權人得請求清償其債權。
抵押人為債務人時，抵押權人得不再為前項請求，逕行請求清償其債權。
抵押物之價值因不可歸責於抵押人之事由致減少者，抵押權人僅於抵押人因此所受利益之限度內，請求提出擔保。