【线上云德】疫情期间律师说（一百八十）┃分期付款买卖合同法律规定

分期付款买卖，是指买受人将其应付的总价款，在一定期限内分次向出卖人支付的买卖合同。其特点在于，合同成立之时，出卖人将标的物交付给买受人，价款则依合同约定分期支付。除法律另有规定或合同另有约定外，标的物的所有权自出卖人交付时起转移给买受人。买受人应按期履行支付价金的义务，若未按期付款，应承担违约责任。

Purchase by installment refers to a contract in which the buyer pays the total price payable to the seller in installments within a certain period of time. Its characteristic is that when the contract is established, the seller delivers the subject matter to the buyer, and the price is paid in installments according to the contract. Unless otherwise provided by law or otherwise agreed in the contract, the ownership of the subject matter shall be transferred to the buyer upon delivery by the seller. The buyer shall fulfill the obligation to pay the price on time, and shall be liable for breach of contract if the payment is not made on time.

根据民法典规定，分期付款买卖的买受人未支付到期价款的金额达到全部价款的1/5，出卖人可以要求买受人支付全部价款或者解除合同。出卖人解除合同的，可以向买受人要求支付该标的物的使用费。

According to the provisions of the Civil Code, the amount of the unpaid price due by the buyer in installment sales reaches 1/5 of the total price, and the seller can require the buyer to pay the full price or terminate the contract. If the seller terminates the contract, it may request the buyer to pay for the use of the subject matter.

法律索引：

《中华人民共和国民法典》

第六百三十四条　【分期付款买卖合同】分期付款的买受人未支付到期价款的数额达到全部价款的五分之一,经催告后在合理期限内仍未支付到期价款的,出卖人可以请求买受人支付全部价款或者解除合同。

出卖人解除合同的,可以向买受人请求支付该标的物的使用费。

"Civil Code of the People's Republic of China"

Article 634 [Instalment Purchase Contract] If the buyer who is paying in installments fails to pay the due price reaches one-fifth of the total price, and the due price is not paid within a reasonable time after the reminder, The seller may request the buyer to pay the full price or terminate the contract.

If the seller terminates the contract, he may request the buyer to pay the use fee of the subject matter.