| Article title | Problematic Aspects of the ‘Bona Fide Mortgagee’ Construct in the Civil Law of Ukraine |
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| Authors |
Maksym Mykoliuk
Postgraduate student of the Department of Civil Law, Yaroslav the Wise National Law University (Kharkiv, Ukraine) ORCID ID: https://orcid.org/0009-0007-7622-339X mikolukmaksim@gmail.com
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| Journal name | Legal journal «Law of Ukraine» (Ukrainian version) |
| Journal issue | 2 / 2026 |
| Pages | 181 - 191 |
| ISSN (print) | 1026-9932 |
| ISSN (online) | 2310-323X |
| DOI | https://doi.org/10.33498/louu-2026-02-181 |
| Received | 16.02.2026 |
| Accepted | 06.04.2026 |
| Published | 14.04.2026 |
| Abstract | The article explores the issues of protecting a bona fide mortgagee in a legal conflict with the property owner. It analyzes a scenario where an unlawful possessor grants a mortgage on property, and the owner, upon recovering it, finds the property encumbered by a lien established without their consent. It is established that the concept of a “bona fide mortgagee” is not explicitly 191 ПРОБЛЕМНІ ПИТАННЯ КОНСТРУКЦІЇ ДОБРОСОВІСНОГО ІПОТЕКОДЕРЖАТЕЛЯ В ЦИВІЛЬНОМУ ПРАВІ УКРАЇНИ ПРАВО УКРАЇНИ • 2026 • № 2 • 181-191 provided for in the Civil Code of Ukraine and is primarily shaped by the case law of the Supreme Court based on the principle of good faith. The study examines the legal grounds for applying this construct through the prism of mechanisms for overcoming gaps in civil law. It is determined that the absence of a relevant norm may indicate “qualified silence of the legislator”, suggesting that the Civil Code of Ukraine might not contain grounds for protecting a bona fide mortgagee. The article analyzes the challenges of applying analogy of statute based on Articles 330 and 388 of the Civil Code of Ukraine, as well as the recourse to analogy of law, which may lead to competition between the principles of good faith, justice, and reasonableness. A comparative analysis of foreign experience shows that effective legal grounds for protecting bona fide acquirers of proprietary rights lie in the legislative regulation of the registration system through the principle of public trust in the registry. The author concludes that it is advisable to regulate the issue of bona fide acquisition of proprietary security rights during the recodification of civil legislation. |
| Keywords | good faith; bona fide mortgagee; mortgage; protection of a bona fide acquirer; analogy of statute; analogy of law; registration system; proprietary security rights |
| References | Authored books 1. Scalia A, Garner B A, Reading Law: The Interpretation of Legal Texts (Thomson/West 2012). 2. Zevenbergen J, Systems of Land Registration: Aspects and Effects (Netherlands Geodetic Commission 2002). 3. Dryshliuk A, Sudova praktyka v systemi dzherel tsyvilnoho prava Ukrainy (ECUS 2025) (in Ukrainian). Edited books 4. Van Vliet L, ‘Mortgages on Immovables in Dutch Law’, in S Ravi (ed), Housing Loans and Mortgages (ICFAI University Press 2008). 5. Petryshyn O (ed), Zahalna teoriia prava: pidruchnyk (Pravo 2021) (in Ukrainian). 6. Tsvik M, Petryshyn O (ed), Zahalna teoriia derzhavy i prava: pidruchnyk dlia studentiv yurydychnykh vyshchykh navchalnykh zakladiv (Pravo 2009) (in Ukrainian). Journal articles 7. Blajer P A, ‘On the principle of public faith of land registers in a comparative context’ [2023] 12(2–3) European Property Law Journal 121–22 https://doi.org/10.1515/eplj-2023-0005. 8. Gilmore G, ‘The Commercial Doctrine of Good Faith Purchase’ [1954] 64(8) Yale Law Journal 1057–1122. 9. Dryshliuk A I, ‘Analohiia zakonu ta analohiia prava: dynamika naukovoho doslidzhennia (suchasnyi period)’ [2011] (16) Naukovyi visnyk Uzhhorodskoho natsionalnoho universytetu Seriia Pravo 9–14 (in Ukrainian). 10. Kysil V, ‘Oborot nerukhomosti z pozytsii Law and Economics: yak rozirvaty porochne kolo’ [2024] 3(135) Mala entsyklopediia notariusa (in Ukrainian). 11. Pohribnyi S, ‘Analohiia zakonu ta analohiia prava yak zasoby rehuliuvannia tsyvilnykh vidnosyn’ [2010] 5 Teoriia i praktyka intelektualnoi vlasnosti 17. |
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