Civil Code Article 881
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.
Unless otherwise provided by law, a mortgage is extinguished by the destruction of the mortgaged property, unless the mortgagor is entitled to receive compensation or other benefits as a result of such destruction.The mortgagee enjoys a pledge of rights over any right to compensation or other right of claim exercisable by the mortgagor as referred to in the preceding paragraph. The seniority of the pledge shall be the same as that of the original mortgage.If a payment obligor, intentionally or through gross negligence, makes a payment to the mortgagor, the payment has no effect against the mortgagee.The provisions of the preceding three paragraphs apply mutatis mutandis with respect to compensation or other benefits that may be received as a result of damage to a mortgaged property.
中文原文 民法第881條
抵押權除法律另有規定外，因抵押物滅失而消滅。
但抵押人因滅失得受賠償或其他利益者，不在此限。
抵押權人對於前項抵押人所得行使之賠償或其他請求權有權利質權，其次序與原抵押權同。
給付義務人因故意或重大過失向抵押人為給付者，對於抵押權人不生效力。
抵押物因毀損而得受之賠償或其他利益，準用前三項之規定。
但抵押人因滅失得受賠償或其他利益者，不在此限。
抵押權人對於前項抵押人所得行使之賠償或其他請求權有權利質權，其次序與原抵押權同。
給付義務人因故意或重大過失向抵押人為給付者，對於抵押權人不生效力。
抵押物因毀損而得受之賠償或其他利益，準用前三項之規定。