đá bóng trực tiếpJudgement no. 153/2017/DS-PT dated july 21, 2017 on dispute over land use right, reclaiming property value and dispute over property loan agreement

SUPERIOR’S PEOPLE COURT OF HO CHI MINH CITY

JUDGEMENT NO. 153/2017/DS-PT DATED JULY 21, 2017 ON DISPUTE OVER LAND USE RIGHT, RECLAIMING PROPERTY VALUE AND DISPUTE OVER PROPERTY LOAN AGREEMENT

On July 21, 2017, at đá bóng trực tiếp office of đá bóng trực tiếp Superior People’s Court at Ho Chi Minh City, an appellate trial court is conducted to hear đá bóng trực tiếp Civil Case No. 138/2016/TLPT-DS dated June 16, 2016 on “Dispute over land use right, reclaiming property value and dispute over property loan agreement”.Based on đá bóng trực tiếp appeal against đá bóng trực tiếp First Instance Civil Judgment No.07/2016/DS-STdated April 20, 2016 of People’s Court of Kien Giang Province. According to đá bóng trực tiếp Decision to Bring đá bóng trực tiếp Case to Trial No. 448/2016/QD-PT dated September 5, 2016 between litigants:

* Plaintiff: Mrs. Ngo Kim C, born in 1951 (present).

Address: 13728 San Pablo Ave Apt 2003 San Pablo, CA 94806, USA.

- Authorized legal representative of petitioner: Mrs. Ngo Kim P, born in: 1960 (present); Address:86 NTB, VQ Ward, RG City, Kien Giang Province.

đá bóng trực tiếp protector of legitimate rights and interests of đá bóng trực tiếp petitioner: Mr. Pham Anh V who is a lawyer of Bar Association of Kien Giang Province (present);

* Respondent:

1/. Mrs. Duong Thi Kim X, born in 1957 (present);

2/. Mr. Pham Van K, born in 1953 (absent);

Co-address: P/H Village, MP Commune, HD District, Kien Giang Province.

- đá bóng trực tiếp protector of legitimate rights and interests of đá bóng trực tiếp respondent: Mr. Thai Van B who is a lawyer of Bar Association of Da Nang City (present);

* Person with relevant rights and obligations: KL Joint-Stock Commercial Bank.

Address: 16-18 PHT, VTV Ward, RG City, Kien Giang.

- Legal representative: Mr. Vo Van C1 - Director General.

- Authorized representative of Mr. Vo Van C1: Mr. Truong Quoc H, born in: 1982, position: Acting Director of Transaction Office ML-KL Joint-Stock Commercial Bank (present);

đá bóng trực tiếp CASE

* Representation of đá bóng trực tiếp petitioner Mrs. Ngo Kim C in đá bóng trực tiếp lawsuit petition and during đá bóng trực tiếp lawsuit settlement:

On April 12, 2012, Mrs. Ngo Kim C received transfer of right to use 22,598m2 located in PT Village, MP Commune, HD District, Kien Giang Province of đá bóng trực tiếp married couple Mr. Lu Hong L, Mrs. Nguyen Thi Thu T residing at 138, Group 10, My Hung Village, ML Commune, HD District, Kien Giang Province for VND 750,000,000. Because Mrs. Ngo Kim C is an overseas Vietnamese who is ineligible for having her name included in đá bóng trực tiếp certificate of land use right in Vietnam. Therefore, Mrs. Ngo Kim C asked her sister Mrs. Duong Thi Kim X to have her name included in đá bóng trực tiếp certificate of land use right on her behalf. After Mrs. Ngo Kim C paid Mr. L and Mrs. L in full, both parties complete paperwork to transfer đá bóng trực tiếp land use right in đá bóng trực tiếp name of Mrs. Duong Thi Kim X, with đá bóng trực tiếp certificate of land use right, housing ownership and property on land  issued by đá bóng trực tiếp People’s Committee of HD District No. 260787 dated October 4, 2013. After Mrs. Ngo Kim C transferred money in US Dollar to Mrs. Duong Thi Kim X multiple times, Mrs. Xuong paid Mr. L and Mrs. T for đá bóng trực tiếp transfer of land. đá bóng trực tiếp current value of land use right based on đá bóng trực tiếp certification of value made by Valuation Limited Company TV is VND 813,528,000. Mrs. Ngo Kim C reclaims đá bóng trực tiếp value of đá bóng trực tiếp transferred land of VND 750,000,000, and agrees to divide đá bóng trực tiếp difference of VND 63,528,000 into halves to her and Mrs. X , VND 31,764,000 each, considering as a compensation for Mrs. Duong Thi Kim X’s effort to preserve and improve land.

Mrs. Ngo Kim C lent VND 250,000,000 to đá bóng trực tiếp married couple Mr. K and Mrs. X for them to receive mortgage of 12.554 m2 of agricultural land from đá bóng trực tiếp married couple Mr. Lu Truong A, Mrs. Nguyen Thi Yen L1 residing in Tan Dien Village, ML Commune, HD District, Kien Giang Province. Mrs. Ngo Kim C and Mr. K and Mrs. X concluded an agreement on March 26, 2011 that upon receiving mortgage of this piece of land, đá bóng trực tiếp married couple Mr. K and Mrs. X will cultivate and collect yields and pay her VND 30,000,000 per year. Now, Mrs. Ngo Kim C requires Mrs. X and Mr. K to repay her VND 250,000,000 of principal and VND 30,000,000 per year according to đá bóng trực tiếp agreement made on March 26, 2011.

In addition, Mrs. Ngo Kim C determines that on October 8, 2013, she also gave đá bóng trực tiếp married couple Mr. K and Mrs. X VND 60,000,000 for 12 months. Mrs. Ngo Kim C gave money to Mrs. X and Mr. K at her house, then both parties made a notarized contract. When đá bóng trực tiếp payment was due, đá bóng trực tiếp married couple Mr.K and Mrs. X did not repay it. Now, Mrs. Ngo Kim C only requires Mr. K and Mrs. X to repay her VND 60,000,000 of principal without interest.

Particularly for đá bóng trực tiếp loan taken out by Mrs. X and Mr. K from KL Joint-Stock Commercial Bank, they must repay it, not relevant to Mrs. Ngo Kim C.

* Representation of co-respondents Mrs. Duong Thi Kim X and Mr. Pham Van K:

Mrs. X and Mr. K agree to repay Mrs. Cham VND 750,000,000, Mrs. C previously received đá bóng trực tiếp transfer of land. However, they refuse to repay đá bóng trực tiếp difference of VND 63,528,000 according to đá bóng trực tiếp certification of value of Valuation Limited Company TV. They are only capable of repaying Mrs. C VND 50,000,000 after each rice crop.

Regarding VND 250,000,000, they confirmed that Mrs. Cham lent them this sum of money for them to receive a pledge of 12,554m2 from Mr. Lu Truong A and Mrs. Nguyen Thi Yen L1, annually, they repaid Mrs. C VND 30,000,000 according to đá bóng trực tiếp agreement dated March 26, 2011. They agreed to repay đá bóng trực tiếp principal of VND 250,000,000, but they have not repaid VND 30,000,000 since đá bóng trực tiếp dispute.

Regarding VND 60,000,000 under đá bóng trực tiếp notarized contract, Mrs. C promised to send it to them, but in fact, she did not do that as agreed. Therefore, they reject this request of Mrs. C and request đá bóng trực tiếp Court to consider it.

They confirm đá bóng trực tiếp loan of VND 250,000,000 granted by đá bóng trực tiếp Bank KL, RG Branch - ML Transaction Office for a year until đá bóng trực tiếp maturity date April 22, 2016. They will pay đá bóng trực tiếp KL Joint-Stock Commercial Bank on time, if they do not repay đá bóng trực tiếp loan, đá bóng trực tiếp Bank is entitled to request đá bóng trực tiếp Civil Enforcement Agency to sell đá bóng trực tiếp collateral by order of đá bóng trực tiếp court.

Representation of đá bóng trực tiếp representative of person with relevant rights and obligations KL Joint-Stock Commercial Bank:

On April 22, 2015, Mrs. Duong Thi Kim X and Mr. Pham Van K entered into a credit contract No. 0184/15/HDTD/l014-3660 with KL Joint-Stock Commercial Bank, RG Branch, ML Transaction Office with đá bóng trực tiếp loan of VND 250,000,000 and loan term of 12 months, maturity date April 22, 2016, đá bóng trực tiếp interest rate within đá bóng trực tiếp term of đá bóng trực tiếp loan of 11.43% per year (đá bóng trực tiếp interest rate changes every 3 months and equals interest rate of 12-month savings deposit with at-maturity interest payment plus margin of 3.96% per year), and with overdue interest of 150% of loan interest before đá bóng trực tiếp overdue debt time.

Property to secure đá bóng trực tiếp loan: rice field (area of 22,598m2), located in PT Village, MP Commune, HD District, Kien Giang Province, of đá bóng trực tiếp map No. 05, land plot 59+22, according to đá bóng trực tiếp certificate of land use right No. BM 260787 issued by đá bóng trực tiếp People’s Committee of HD District, Kien Giang Province on October 4, 2013.

Until April 12, 2016, Mrs. Duong Thi Kim X and Mr. Pham Van K still owe KL Joint-Stock Commercial Bank - RG Branch - ML Transaction Office VND 278,004,375 (including principal of VND 250,000,000 and interest within đá bóng trực tiếp term of đá bóng trực tiếp loan of VND 28,004,375).Now, đá bóng trực tiếp Bank requests Mrs. Duong Thi Kim X and Mr. Pham Van K to repay all principal and interest accrued in full according to đá bóng trực tiếp credit agreement from April 13, 2016 until đá bóng trực tiếp full repayment of đá bóng trực tiếp loan.

Request đá bóng trực tiếp Court to declare đá bóng trực tiếp collateral put up at đá bóng trực tiếp KL Bank legal; when đá bóng trực tiếp Judgment takes effect, but Mrs. X and Mr. K do not repay đá bóng trực tiếp loan or repay đá bóng trực tiếp loan in full, đá bóng trực tiếp KL Bank is entitled to request Civil Enforcement Agency to take đá bóng trực tiếp collateral to put them up for auction to pay đá bóng trực tiếp Bank.

* Witnesses:

- Representation of Mr. Lu Hong L, Mrs. Nguyen Thi Thu T:

They transferred đá bóng trực tiếp piece of land 22,598m2 located in PT Village, MP Commune, HD District, Kien Giang Province for VND 250,000,000. When negotiating đá bóng trực tiếp transfer of land, Mrs. X and Mrs. C were also present. Mr. Lu Hong L and Mrs. Nguyen Thi Thu T determine that: They transferred đá bóng trực tiếp above piece of land to Mrs. Ngo Kim C; because before đá bóng trực tiếp transfer, they had pledged this piece of land for Mrs. C for 1 year. Upon expiry of mortgage, because they were not capable of redeeming đá bóng trực tiếp mortgaged plot of land, they agreed to transfer it to Mrs. C.

- Representation of Mr. Nguyen Van X1:

He did not know đá bóng trực tiếp agreement on transfer of land between Mrs. C, Mrs. X, Mrs. T, Mr. L; he only witnessed that Mrs. X made two payments to Mrs. T and Mr. L for đá bóng trực tiếp land transfer at his house, when paying money, Mrs. X said that such money was sent by her sister who lives abroad.

In đá bóng trực tiếp First Instance Civil Judgment No. 07/2016/DSST dated April 24, 2016, đá bóng trực tiếp People’s Court of Kien Giang Province judged:

Pursuant to Article 34, Clause 2 Article 79; Clause 2 Article 80, Article 131, Article 238, Article 245 ofđá bóng trực tiếp Civil Procedure Code in Viet Nam; Articles 256, 290, 305, 471, 474, 476, 637 ofđá bóng trực tiếp Civil Code in Viet NamandPháp lệnh án phí, lệ phí đá bóng trực tiếp nămdated February 27, 2009 of Standing Committee of đá bóng trực tiếp National Assembly on Court Fees and Charges.

Hereby judges: Accept đá bóng trực tiếp lawsuit petition of Mrs. Ngo Kim C and đá bóng trực tiếp independent request of KL Joint Stock Commercial Bank.

- Compel Mrs. Duong Thi Kim X and Mr. Pham Van K to repay Mrs. Ngo Kim C đá bóng trực tiếp transfer value of 22,598m2 located in PT Village, MP Commune, HD District, Kien Giang Province of VND 750,000,000 and đá bóng trực tiếp difference value of VND 31,764,000.

- Compel Mrs. Duong Thi Kim X and Mr. Pham Van K to repay Mrs. Ngo Kim C đá bóng trực tiếp debt of VND 250,000,000 and VND 30,000,000 according to đá bóng trực tiếp Agreement dated March 26, 2011.

- Compel Mrs. Duong Thi Kim X and Mr. Pham Van K to repay Mrs. Ngo Kim C đá bóng trực tiếp debt of VND 60,000,000 borrowedon October 8, 2013.

- In total, Mrs. Duong Thi Kim X and Mr. Pham Van K must repay Mrs. Ngo Kim C VND 1,121,764,000 (One billion one hundred twenty one million seven hundred sixty four thousand dong) after đá bóng trực tiếp Judgment takes effect.

From đá bóng trực tiếp date on which Mrs. Ngo Kim C applies for judgment enforcement, if Mrs. Duong Thi Kim X and Mr. Pham Van K do not repay đá bóng trực tiếp said amount, they are obliged to repay monthly interests according to đá bóng trực tiếp basic interest rate prescribed by đá bóng trực tiếp State Bank in proportion to đá bóng trực tiếp late judgment enforcement time.

- Compel Mrs. Duong Thi Kim X and Mr. Pham Van K to repay KL Joint Stock Commercial Bank VND 278,004,375 (Two hundred seventy eight million four thousand three hundred seventy five dong). Including đá bóng trực tiếp principal of VND 250,000,000; đá bóng trực tiếp interest rate within đá bóng trực tiếp term of đá bóng trực tiếp loan VND 28,004,375 and interest on principal according to đá bóng trực tiếp credit agreement from April 13, 2016 until đá bóng trực tiếp full repayment of đá bóng trực tiếp debt according to đá bóng trực tiếp Notice of KL Joint Stock Commercial Bank.

KL Joint Stock Commercial Bank shall release all documentation and title of đá bóng trực tiếp collateral put up by Mrs. Duong Thi Kim X and Mr. Pham Van K for đá bóng trực tiếp Bank as soon as possible when đá bóng trực tiếp parties pay off đá bóng trực tiếp mortgage and loans of each credit agreement which was signed.

If Mrs. Duong Thi Kim X and Mr. Pham Van K are not capable of repaying đá bóng trực tiếp debt to đá bóng trực tiếp Bank, KL Joint Stock Commercial Bank is entitled to request a competent Civil Enforcement Agency to sell đá bóng trực tiếp collateral put up at đá bóng trực tiếp Bank by order of đá bóng trực tiếp court, which is đá bóng trực tiếp piece of land 22,598m2 located in PT Village, MP Commune, HD District, Kien Giang Province of đá bóng trực tiếp map No. 05, land plot 59+272 in đá bóng trực tiếp name of Mrs. Duong Thi Kim X in đá bóng trực tiếp certificate of land use right, housing ownership and property on land No. BM 260787 issued by đá bóng trực tiếp People’s Committee of HD District, Kien Giang Province on October 4, 2013 for debt collection as per đá bóng trực tiếp law.

In addition, đá bóng trực tiếp first instance court decided đá bóng trực tiếp court fee and expertising fee, and announced đá bóng trực tiếp appeal right to litigants as per đá bóng trực tiếp law.

After first instance trial on May 4, 2016, đá bóng trực tiếp respondent Mrs. Duong Thi Kim X and Mr. Pham Van K both made an appeal against đá bóng trực tiếp First Instance Judgment No. 07/2016/DSST dated April 20, 2016 of People’s Court of Kien Giang Province, requesting đá bóng trực tiếp Appellate Court to reject đá bóng trực tiếp lawsuit petition filed by Mrs. Ngo Kim C, which reclaims Mrs. X and Mr. K  to repay VND 750,000,000 of đá bóng trực tiếp land plot and đá bóng trực tiếp difference of VND 31,764,000; and refuse to repay VND 60,000,000 that Mrs. C claims that Mrs. X and Mr. K borrowed from her with đá bóng trực tiếp mortgage of certificate of land use right on October 4, 2013.

At đá bóng trực tiếp appellate court hearing:

- Mrs. Duong Thi Kim X and Mr. Pham Van K still uphold đá bóng trực tiếp appeal.

- đá bóng trực tiếp litigants in đá bóng trực tiếp case do not submit any other item of evidence.

- đá bóng trực tiếp procurator, at đá bóng trực tiếp court hearing, evaluates that đá bóng trực tiếp appeal of Mrs. Duong Thi Kim X and Mr. Pham Van K does not have valid grounds and request to turn down this appeal and uphold đá bóng trực tiếp First Instance Judgment.

JUDGEMENT OF đá bóng trực tiếp COURT

After consideration of đá bóng trực tiếp case files assessed and đá bóng trực tiếp adversarial process at đá bóng trực tiếp court hearing, đá bóng trực tiếp Trial Panel judges as follows:

[1] Regarding đá bóng trực tiếp piece of land 22,598m2 of đá bóng trực tiếp land plot No. 59, 272 of đá bóng trực tiếp map No. 5 located in PT Village, MP Commune, HD District, Kien Giang Province issued by đá bóng trực tiếp People’s Committee of HD District to Mrs. Duong Thi Kim X whose name is included in đá bóng trực tiếp certificate of land use right No. BM 260786 dated October 4, 2013.

[2] As stated by đá bóng trực tiếp petitioner, this piece of land was purchased by đá bóng trực tiếp petitioner from đá bóng trực tiếp married couple Mrs. Lu Hong L, Nguyen Thi Thu T in 2012. However, as a foreigner, Mrs. Ngo Kim C is not allowed to purchase land in Vietnam, so, she asked Mrs. Duong Thi Kim X to make đá bóng trực tiếp transaction and have her name included in đá bóng trực tiếp certificate of land use right on her behalf.

[3] Mrs. Duong Thi Kim X refuses Mrs. Ngo Kim C’s statement, claiming that this piece of land was purchased by them using their money, so she rejects Mrs. Ngo Kim C’s reclaim of VND 750,000,000, đá bóng trực tiếp land purchase amount and difference after valuation of VND 31,764,000.

[4] Considering đá bóng trực tiếp deposition of Mr. Tu Hong Loc and Mrs. Nguyen Thi Thu T (transferor of 22,598m2) that Mrs. Ngo Kim C was đá bóng trực tiếp transferee as Mrs. Ngo Kim C and Mrs. Duong Thi Kim X presented at đá bóng trực tiếp transfer date, đá bóng trực tiếp Trial Panel declares it accordant with đá bóng trực tiếp transfer agreement of agricultural land dated April 12, 2012, which shows signatures of both Mrs. Duong Thi Kim X and Mrs. Ngo Kim C as đá bóng trực tiếp transferee (Party A).

Alternatively, đá bóng trực tiếp petitioner may prove that Mrs. Duong Thi Kim X had her name included in certificate of land use right No. BM 260787 on behalf of Mrs. Ngo Kim C according to đá bóng trực tiếp agreement dated October 7, 2013 stating that 22,598m2 was purchased by Mrs. Ngo Kim C at her expense. As living abroad, Mrs. Ngo Kim C agreed to let Mrs. Duong Thi Kim X have her name included in certificate of land use right No. BM 260787 issued by đá bóng trực tiếp People’s Committee of HD District dated October 4, 2013 (đá bóng trực tiếp Assessment Result No. 361/KL-KTHS dated October 17, 2015 verifies that đá bóng trực tiếp signature in this agreement was made by Mrs. Duong Thi Kim X). Furthermore, đá bóng trực tiếp petitioner may prove that she kept USD 58,850 for đá bóng trực tiếp respondent from 2010 to 2012.

Therefore, đá bóng trực tiếp First Instance Judgment is well-grounded when accepting đá bóng trực tiếp petitioner’s request regarding this part.
[5] Considering đá bóng trực tiếp loan of VND 60,000,000 claimed by đá bóng trực tiếp petitioner; đá bóng trực tiếp respondent denies it and đá bóng trực tiếp mortgage agreement of land use right No. BM 260787 submitted by đá bóng trực tiếp petitioner is not well-grounded to accept. Because this mortgage agreement only indicates that two parties agree đá bóng trực tiếp mortgage of land use right No. BM 260787 issued by đá bóng trực tiếp People’s Committee of HD District on October 4, 2013 to secure đá bóng trực tiếp loan of VND 60,000,000, but đá bóng trực tiếp petitioner fails to justify đá bóng trực tiếp transfer of VND 60,000,000 in fact to đá bóng trực tiếp respondent;

Therefore, đá bóng trực tiếp First Instance Judgment’s acceptance to đá bóng trực tiếp petitioner’s reclaim for đá bóng trực tiếp respondent to repay VND 60,000,000 is not well-grounded, đá bóng trực tiếp Appellate Court accepts đá bóng trực tiếp appeal filed by đá bóng trực tiếp respondent, correct đá bóng trực tiếp First Instance Judgment and reject đá bóng trực tiếp petitioner’s claim for VND 60,000,000;

[6] Because đá bóng trực tiếp appeal is accepted, đá bóng trực tiếp respondent does not have to pay appellate court fee.  Because đá bóng trực tiếp reclaim for VND 60,000,000 is rejected, đá bóng trực tiếp petitioner has to pay đá bóng trực tiếp civil court fee involving no monetary value as prescribed.
[7] Other parts of đá bóng trực tiếp decision of First Instance Judgment which are not appealed shall not be considered further.

Pursuant to documents and evidence mentioned above:

HEREBY DECIDES

Pursuant to Clause 2 Article 308 of đá bóng trực tiếp Civil Procedure Code 2015, accept a part of đá bóng trực tiếp appeal of Mrs. Duong Thi Kim X and Mr. Pham Van K and correct a part of đá bóng trực tiếp First Instance Judgment No. 07/2016/DS-ST dated April 20, 2016 of People’s Court of Kien Giang Province.

Pursuant to Article 34 , Clause 2 Article 79; Clause 2 Article 80; Article 131; Article 238; Article 245 of đá bóng trực tiếp Civil Procedure Code, Articles 256, 290, 305, 471, 474, 476, 637 of đá bóng trực tiếp Civil Code andNghị quyết 326/2016/UBTVQH14 quy định về mức thudated December 30, 2016 of Standing Committee of đá bóng trực tiếp National Assembly.

Hereby judges: Partially đá bóng trực tiếp lawsuit petition of Mrs. Ngo Kim C and đá bóng trực tiếp independent request of KL Joint Stock Commercial Bank.

- Compel Mrs. Duong Thi Kim X and Mr. Pham Van K to repay Mrs. Ngo Kim C đá bóng trực tiếp transfer value of 22,598m2 located in PT Village, MP Commune, HD District, Kien Giang Province of VND 750,000,000 and đá bóng trực tiếp difference value of VND 31,764,000. Compel Mrs. Duong Thi Kim X and Mr. Pham Van K to repay Mrs. Ngo Kim C đá bóng trực tiếp debt of VND 250,000,000 and VND 30,000,000 according to đá bóng trực tiếp Agreement dated March 26, 2011.

- Dismiss đá bóng trực tiếp lawsuit petitioner of Mrs. Ngo Kim C reclaiming Mrs. Duong Thi Kim X and Mr. Pham Van K VND 60,000,000 borrowed on October 8, 2013.

- Compel Mrs. Duong Thi Kim X and Mr. Pham Van K to repay KL Joint Stock Commercial Bank VND 278.004.375đ (Two hundred seventy eight million four thousand three hundred seventy five dong). Including đá bóng trực tiếp principal of VND 250,000,000; đá bóng trực tiếp interest rate within đá bóng trực tiếp term of đá bóng trực tiếp loan VND 28,004,375 and interest on principal according to đá bóng trực tiếp credit agreement from April 13, 2016 until đá bóng trực tiếp full repayment of đá bóng trực tiếp debt according to đá bóng trực tiếp Notice of KL Joint Stock Commercial Bank.

KL Joint Stock Commercial Bank shall release all documentation and title of đá bóng trực tiếp collateral put up by Mrs. Duong Thi Kim X and Mr. Pham Van K for đá bóng trực tiếp Bank as soon as possible when đá bóng trực tiếp parties pay off đá bóng trực tiếp mortgage and loans of each credit agreement which was signed.

If Mrs. Duong Thi Kim X and Mr. Pham Van K are not capable of repaying đá bóng trực tiếp debt to đá bóng trực tiếp Bank, KL Joint Stock Commercial Bank is entitled to request a competent Civil Enforcement Agency to sell đá bóng trực tiếp collateral put up at đá bóng trực tiếp Bank by order of đá bóng trực tiếp court, which is đá bóng trực tiếp piece of land 22,598m2 located in PT Village, MP Commune, HD District, Kien Giang Province of đá bóng trực tiếp map No. 05, land plot 59+272 in đá bóng trực tiếp name of Mrs. Duong Thi Kim X in đá bóng trực tiếp certificate of land use right, housing ownership and property on land No. BM 260787 issued by đá bóng trực tiếp People’s Committee of HD District, Kien Giang Province on October 4, 2013 for debt collection as per đá bóng trực tiếp law.
* With reference to court fee:

- Compel Mrs. Duong Thi Kim X and Mr. Pham Van K to pay VND 23,996,500 (Twenty six million nine hundred ninety six thousand five hundred dong) of first instance civil fee.

- Compel Mrs. Ngo Kim C to pay VND 3,000,000 (Three hundred dong) of first instance civil fee. This amount shall be deducted from VND 23,700,000 advanced by Mrs. Ngo Kim C. đá bóng trực tiếp remaining sum of VND 20,700,000 (Twenty million seven hundred thousand dong) shall be refunded to Mrs. Ngo Kim C according to đá bóng trực tiếp receipt No. 05200 dated January 13, 2015 of đá bóng trực tiếp Civil Enforcement Agency of Kien Giang Province.

Refund KL Joint Stock Commercial Bank đá bóng trực tiếp court fee advance of VND 6,310,000 (Six million three hundred ten thousand dong) according to đá bóng trực tiếp receipt No. 0000519 dated June 23, 2015 of đá bóng trực tiếp Civil Enforcement Agency of Kien Giang Province (submitted by Mr. Pham Ho Phuong H).

- First instance civil court fee: Mrs. Duong Thi Kim X and Mr. Pham Van K do not have to pay VND 200,000. Refund Mrs. Duong Thi Kim X and Mr. Pham Van K VND 200,000 of appellate court fee which was paid according to đá bóng trực tiếp receipt No. 0004923 dated May 6, 2016 at đá bóng trực tiếp Civil Enforcement Agency of Kien Giang Province.

- Compel Mrs. Duong Thi Kim X and Mr. Pham Van K to refund đá bóng trực tiếp valuation fee and signature verification fee of VND 8,344,000 (Eight million three hundred forty four thousand dong) to Mrs. Ngo Kim C.

In case đá bóng trực tiếp judgment or court decision is enforced as per regulations in Article 2 ofđá bóng trực tiếp Law on enforcements of civil judgments in Viet Nam, đá bóng trực tiếp judgment creditor and judgment debtor are lawfully allowed to reach an agreement on judgment enforcement, request judgment enforcement, be subject to voluntary execution or coercive judgment enforcement in compliance with regulations in Article 6, 7 and 9 of đá bóng trực tiếp amended Law on enforcement of civil judgments, and đá bóng trực tiếp effective period of judgment enforcement shall comply within provisions in Article 30 of đá bóng trực tiếp Law on enforcement of civil judgments.