抵押

Banks in the real estate as collateral (hereinafter referred to as a mortgage) lending operations, mortgage and the mortgagee must sign a written pledge contract Since collateral and the date of the contract 30 days to the local real estate collateral management for registration.

一、银行办理各项以房地产作为抵押的贷款业务，抵押人和抵押权人必须签订书面抵押合同，并自抵押合同签订之日起30日内，向当地房地产管理部门办理抵押登记。

So in this case, developers will build the project mortgaged to the bank, signed mortgage contracts and the handling of mortgage registration, meaning that the two sides expressed real, legitimate form of contracts, it is the collateral contract effective.

所以本案中开发商将在建工程抵押给银行，签订抵押合同，并依法办理了抵押登记手续，即双方意思表示真实、合同形式合法，故该抵押合同有效。

4 Fourthly in or towards payment of the secured sum until the whole of the secured sum including interest as aforesaid shall have been fully satisfied and discharged and so that if the Lender is contingently liable or will or may be so liable in respect of any moneys obligations or liabilities hereby secured all money not dealt with under the preceding provisions of this Clause shall be placed on deposit in such separate account as the Lender in its absolute discretion may think fit for the purpose of securing the contingent liabilities of the Lender and shall become subject to this security to be applied against such contingent liabilities as they fall due; and

13.4 第四，偿付有抵押款项或用於支付有抵押款项，直至有抵押款项及上述利息全数偿付与清付为止。如贷款人就本契约担保的任何款项、义务或债务负上或有法律责任，或将会或可能会负上或有法律责任，则在本条之前的条文未有作出安排的一切款项，须存入贷款人按其绝对酌情权认为适宜用作担保贷款人或有债务的独立帐户，以便在或有债务到期时，在不抵触本抵押的情况下用作偿还或有债务。

Mortgager prosecuted mortgagee with the reason that the four- year scheduled period of the security interest was over , so the security interest eliminated to recognize the mortgage contract of the land use right was invalid, mortgager did not assume responsibility for guarantee, and asked to return the land use permit of the mortgaged more than 16,000 square feet of land

成功代理惠州市某公司与中国银行某分行同香港公司代款抵押担保合同纠纷，抵押人起诉抵押权人，以担保物权的除斥期间4年已超过，担保物权消灭为由，确认土地使用权抵押合同书无效，抵押人不承担抵押担保责任，要求返还被抵押的1.6万多平方土地的国土使用证

First, compared with the PRC Security Law ("the Security Law") promulgated in 1995, the Property Law in principle adds more properties and rights to the range of properties and rights that can be used as collateral ("the collateral property") by introducing two changes:(1) The Security Law requires that the properties that can be mortgaged or pledged should be owned by the mortgagor or pledgor.

首先，与1995年颁布的《中华人民共和国担保法》相比，《物权法》从原则上对担保财产范围的有关规定作了两点变更，进一步将更多财产或权利纳入了担保范围：（1）将抵押财产或质押权利须为担保人"所有"的规定修改为"有权处分"，即只要拥有对财产或权利的处分权就可以将该财产或权利用于担保；（2）《物权法》所允许抵押的财产包括所有法律、行政法规未禁止抵押的财产，这意味着只要法律、行政法规未禁止抵押的财产均可用于抵押；相比之下，《担保法》的规定相对狭隘，其所允许抵押的财产为"依法可以抵押的财产"，即法律未规定可以抵押的财产不得抵押。

Combined with the real situation of Chinas real estate investment fund and private fund, the paper applies the very ideas to the money circulation in housing real estate enterprises and put forward several methods to circulate money and funds, such as gradual payment mortgage, reducing balance repayment mortgage,fixed rate mortgage, renegotiable rate mortgage, rollover mortgage, shared appreciation mortgage, growing equity mortgage, adjustable rate mortgage.

结合中国房地产投资基金、私募基金呼声日高的现实情况，本文将相应的思想尝试运用于房地产业的融资中，提出了合作开发融资、工程承包融资、租赁融资、回租、回买、渐进式抵押贷款、递减式还款抵押、定息抵押、重新协议利息抵押、或滚动抵押、比例升值抵押、加快还本抵押和可调整利率抵押等多种房地产融资方式。

"If you miss a mortgage payment, this will be recorded on your credit file and may make it more difficult to get a mortgage, or to remortgage, in the future," says Melanie Bien, of the mortgage broker Savills Private Finance.

&如果错过了抵押贷款的还款期，你的信用记录上就会被记上一笔，以后再想抵押或再抵押就更困难了。& Savills Private Finance公司的抵押贷款经纪人梅兰妮。

"If you miss a mortgage payment, this will be recorded on your credit file and may make it more difficult to get a mortgage, or to remortgage, in the future," says Melanie Bien, of the mortgage broker Savills Private Finance.

&如果错过了抵押贷款的还款期，你的信用记录上就会被记上一笔，以后再想抵押或再抵押就更困难了。& Savills Private Finance 公司的抵押贷款经纪人梅兰妮·毕恩说。

The results of discriminant tell us that the discriminant quotiety of the absolute financial burden factor is lower than that of the financial burden-rate factor. This finding is constant with the conclusion of the independent variable description. So we must take

最后，贷款担保方式对个人住房抵押贷款违约风险的影响不大，主要是由于个人住房抵押贷款一般均采用抵押加阶段性连带保证的担保方式，说明只要落实抵押登记，现有的担保方式对降低违约风险是有积极作用的。

Home Mortgage Refinance Loans provides detailed information on Home Mortgage Refinance Loans, Home Mortgage Refinance Loan Rates, Best Home Mortgage Loan Refinances, Home Mortgage Refinance Loan Brokers and more.

住房抵押贷款再融资提供详细资料，对住房抵押融资贷款，住房抵押贷款回购利率，最好的住房抵押贷款再融资，住房抵押融资贷款经纪人等。

In the United States, chronic alcoholism and hepatitis C are the most common ones.

在美国，慢性酒精中毒，肝炎是最常见的。

If you have any questions, you can contact me anytime.

如果有任何问题，你可以随时联系我。