Civil Code Article 879
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.
When a third party who creates a mortgage for a debtor pays the debt in full for such debtor, or loses the ownership in rem of the mortgaged property through the enforcement of the mortgage by the mortgagee, the third party succeeds to the claims of the creditor against the debtor to the extent required for repayment, unless such succession would be prejudicial to the rights of the creditor.When the debtor has a guarantor, the portion of the debt for which the guarantor is obligated shall be determined pro rata by the guarantor's liability for performance relative to the value of, or the specified monetary amount of apportionment from, the mortgaged property. When the amount of the claim secured by the mortgaged property is less than the value of the property, the amount of the claim secured by the property shall be used in calculation.Under the circumstances of the preceding paragraph, the mortgagor may demand reimbursement from the guarantor of the portion for which the guarantor is obligated, to the extent that the portion for which the mortgagor is obligated has been exceeded.
中文原文 民法第879條
為債務人設定抵押權之第三人，代為清償債務，或因抵押權人實行抵押權致失抵押物之所有權時，該第三人於其清償之限度內，承受債權人對於債務人之債權。
但不得有害於債權人之利益。
債務人如有保證人時，保證人應分擔之部分，依保證人應負之履行責任與抵押物之價值或限定之金額比例定之。
抵押物之擔保債權額少於抵押物之價值者，應以該債權額為準。
前項情形，抵押人就超過其分擔額之範圍，得請求保證人償還其應分擔部分。
但不得有害於債權人之利益。
債務人如有保證人時，保證人應分擔之部分，依保證人應負之履行責任與抵押物之價值或限定之金額比例定之。
抵押物之擔保債權額少於抵押物之價值者，應以該債權額為準。
前項情形，抵押人就超過其分擔額之範圍，得請求保證人償還其應分擔部分。