The creditor's right of the mortgagee is determined under any of the following circumstances: (1) The agreed term for determining the creditor's right expires. (2) In the absence of an agreement on the term for determining the creditor's right or such an agreement is ambiguous, the mortgagee or the mortgagor claims the determination of the creditor's right after the lapse of two years from the date of creation of the maximum mortgage. (3) No new creditor's right will be created. (4) The mortgagee knows or should have known that the mortgaged property is seized or detained. (5) The debtor or the mortgagor is declared bankrupt or is dissolved. 有下列情形之一的，抵押权人的债权确定： （一）约定的债权确定期间届满； （二）没有约定债权确定期间或者约定不明确，抵押权人或者抵押人自最高额抵押权设立之日起满二年后请求确定债权； （三）新的债权不可能发生； （四）抵押权人知道或者应当知道抵押财产被查封、扣押； （五）债务人、抵押人被宣告破产或者解散。