【背景】 2005年1月，最高法院颁布出台规定，“对被执行人及其所扶养家属生活所必需的居住房屋，人民法院可以查封，但不得拍卖、变卖或者抵债。”一部分不良债务人以为有了逃避法律责任的“尚方宝剑”。

【background】 January 2005，The Supreme Court issued regulations promulgated，“To execution and his dependant family members necessary to the life of residential houses，The people's court may seal up，But not auction、Owe, sell or。”Part of the bad thinking had from the law of responsibility“ShangFangBaoJian”。

　　郑州市中原区法院探索被执行房屋“以大换小”，或者在拍卖款中优先保留相应价款，由被执行人自行购买或租赁房屋。此做法获得法学专家好评。日前，郑州市在全市推广这一做法。

Zhengzhou ZhongYuanOu court house out to explore“With big change small”，Or in the auction price corresponding priority in reserve，The execution purchase or rental housing。This way get legal experts to praise。a，In the city of zhengzhou city promotion this practice。

保障“老赖”生存权不能超过限度 security“LaoLai”Life can't more than limit

　　解决唯一生活住房的执行问题，是破解执行难题的一个重要组成部分。今年3月，郑州市中院作出决定，由中原区法院牵头研究破解“唯一生活住房”执行难题。

To solve the problem of housing only life execution，Is cracked execution problem is an important part of。In march this year，Zhengzhou then make a decision，Led by ZhongYuanOu court research crack“The only life housing”Execution problem。

　　很快，全省知名的执行法官、郑州市住房保障和房地产管理局中心专家以及郑州大学法学院教授纷纷献计献策，共同破解难题。

soon，The famous execution judges、Zhengzhou city housing safeguard and real estate administration center of zhengzhou university law school professor and expert in succession of zhenhai，Common crack problem。

　　郑大教授晁玉虎认为，如果被执行人欠着外债，虽没有可供执行财产，却住着豪华宽敞的大房子，这对于申请人是不公平的。法院应该采取措施对其住房进行拍卖或者变卖，保护申请人的合法权益。

Professor ZhengDa ChaoYuHu think，If the execution owe a debt，Although there are no executive property，But lived luxury capacious big house，This is not fair to the applicant。The court should take measures of its housing for auction or sell，To protect the legal rights of the applicant。

　　此观点获得充分肯定，法律规定保障“唯一住房”的目的，是为保护被执行人的生存权，维护社会的和谐，而不是保护其享有超过生存权以外的居住条件。

This view get full affirmation，Law guarantee“The only housing”purpose，Execution is to protect the right to live，Maintain social harmony，And not to protect its enjoy more than life outside of the living conditions。

“五步走”破解“唯一住房”难题 “Five walk”crack“The only housing”problem

　　最高法院有规定，在保障被执行人及其所扶养家属最低生活标准所必需的居住房屋后，法院可予以执行。

The Supreme Court has a regulation，In the security to execution and his dependant family members necessary to the minimum standards of residential houses，The court can be carried out。

　　我省最低标准是多少？“可以参考郑州市廉租房申请的标准，面积为每人16。”郑州市房管中心主任赵扬提议，获得专家认可。

What is save minimum standards？“Can reference for the application of zhengzhou city, the standard，Area for each person 16。”Zhengzhou city, director of the center for the ZhaoYang proposal，Get expert approval。

　　晁玉虎教授提议，法院不能直接将被执行人执行到大街上去，要考虑人性执法、和谐执行，法院要为被执行人提供过渡房，期限为6个月，费用从拍卖款中扣除。

Professor ChaoYuHu proposal，The court cannot be directly by the person to the street and execution，Want to consider human law enforcement、Harmonious execution，The court will provide the houses for execution，Deadline for six months，Expenses deducted from the auction。

　　很快，中原区法院形成了“五步走”执行方案：第一步法院审查该住房是否超过被执行人生活必需；第二步评估机构对房产进行评估；第三步落实过渡房；第四步依法拍卖；第五步按照“以大换小”的方式，或者在拍卖款中优先保留相应价款，由被执行人自行购买或租赁房屋。

soon，ZhongYuanOu court formed“Five walk”Executive program：The first step court review of whether the housing more than execution necessary living；The second step appraisal institution to the estate for evaluation；The third step implement the houses；Step 4 auction according to law；Step 5 according to“With big change small”way，Or in the auction price corresponding priority in reserve，The execution purchase or rental housing。

　　运用“五步法”执行方案，中原区法院在4个月内已成功执结7件此类案件，保障了申请人的权益，有效震慑了“老赖”，维护了法律的尊严，取得了较好的社会效果。

use“Five footwork”Executive program，ZhongYuanOu court in four months has successfully ZhiJie 7 a such cases，Ensure the rights and interests of the applicant，Effectively awe“LaoLai”，Maintain the dignity of law，Achieved good social effect。

　　7月26日，郑州市中院召开专题会议，对中原区法院破解被执行人“唯一住房”执行难题予以肯定，并在全市法院推广。（记者 谢建晓）

July 26,，Zhengzhou then for the topic meeting，ZhongYuanOu court by the person to break“The only housing”Execution problem be sure，And in the whole city court promotion。（Reporter XieJianXiao）