조기상환수수료(벌칙)의 법적 성격에 관한 연구 = A Study on the Legal Nature of Prepayment Penalties

다국어 초록 (Multilingual Abstract)

This paper deals with the advanced redemption penalties on monetary obligation prior to its maturity.


Before 1998 in Korea, the matters of the advanced redemption penalties on debt was not substantial but just theoretical with the reason that the maturity of the loan by financial institute was not that long. Since the Korea National Assembly enacted Asset-Backed Securitization Act in 1998, financial institutes began to handle the installment obligation paid by the debtor over 15 years for housing purchase. Generally the market interest rate ought to be changed during the maturity period, the borrowers would be easily led to pay back for the debt by means of getting loan from another financial institute at the lower rate in the times of interest falling. If the borrower paid off the debt earlier than the time specified in the loan agreement, the lender suffered heavy losses caused by not receiving high interest from the debtor. In principle, the debtor has no right to pay off the debt pro\ior to the time for performance of obligation. Because the advanced redemption does not keep the accordance with the object of the contract between the debtor and the lender. However, Korea Civil Code of Art. 468 provides that in the absence of an agreements restricting advanced redemption prior to the maturity, the debtor may make such payment through compensating the losses of the creditor. On the other hand, Civil Code of Art. 397 provides that the amount of damages for default of a monetary debt shall be determined by the legal rate of interest: Provided. That in a case where there exists an agreed rate of interest which does not exceed the limitation provided by Acts and subordinate statues, that agreed rate of interest shall prevail. In spite of the existence of the Article 468, through an emphasis on the Article 397, the court does not admit to compensate the damage of the future interest after debtor's the advanced redemption to the maturity time agreed by the debtor and creditor, because the court understands that the future interest is not actualized damage or interest.


This paper does not consent the attitude of the court because it disregards the Article 468 and the nature of the Article 397 which is not compulsory. If there exists an agreed amounts of damage to be compensated between the debtor and creditor, it should be treated as not a penalty but a predetermined indemnity for damage. This paper points out the needs of the statue, regulating the prepayment penalties for the loan mortgaged by residential house.

목차 (Table of Contents)

• Ⅰ. 서론
• Ⅱ. 시중은행 조기상환 수수료
• Ⅲ. 부과 근거와 형태
• Ⅳ. 조기상환 수수료의 해석상 문제
• Ⅴ. 결론 및 입법적 규제의 필요성
• 참고문헌
• Abstract

참고문헌 (Reference)

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