抵押

The house mortgage refers to the behavior which mortgager provides debt execution and guarantee by legitimate house and untransformed ownership.

房屋抵押是指抵押人以其合法的房屋以不转移占有的方式提供债务履行担保的行为。

In the last part, the paper appraises mortgage value using the former and improved capitalization rate respectively. Making using of the method of appraisal bias, the paper concludes that using the former capitalization rate results in overrating the appraisal result, while using the improved capitalization rate does not exist overrating problem. Based on that, the paper compares the former and improved capitalization rate from the following six aspects- mortgager, financial institution, appraisal institution, conservative principle of appraisal of mortgage, default risk, mortgage rate, and finally concludes that the improved capitalization rate is more scientific and accurate.

通过案例分析分别运用改进前后的资本化率进行评估，运用评估bias方法对评估结果进行研究，得出运用改进前的资本化率进行评估存在高估的现象，而运用改进后的资本化率进行评估则不存在高估的问题，在此基础上从抵押人、金融机构、评估机构、保守性估价原则、违约风险、抵押利率六个方面对改进前后的资本化率进行了系统的比较，得出改进后的资本化率更加科学精确的结论。

First, in this essay, the author states the reasonableness and necessity of permitting transfer of mortgaged property, affirms that mortgager will not lose the right of dispose and is entitle to transfer the property freely when the property is under mortgage. And at the same time, the author agrees the theoretical basis of droit de suite and the mortgagee's interests can be protected through the enforcement of the recovery right. Second, the author introduces the legislation of droit de suite in several countries with typical civil law legal system and analyses the particular characteristics of these different registrations. Third, the author points out the defects and malpractice of the legislations in our country after analyzing the legislation which state ambiguously the recovery right of mortgage and restricts the transfer of mortgaged property based on the tracing the development of system in respect of transfer of mortgaged property in Chinese legislation on guarantee. Finally, according to the real situation of our country, the author presents some concrete proposals on perfecting the system of transfer of mortgaged property and droit de suite of mortgage to reach the balance between static safety of property rights and dynamical safety of transactions with the reference to successful expericnees of other countries.

本文首先从理论依据出发，论述允许抵押物转让的合理性与必要性，肯定抵押人在抵押期间不丧失对抵押物的处分权，可以自由转让抵押物，同时认为抵押权追及力的存在具有理论基础，通过赋予抵押权以追及效力即可保障抵押物转让关系中抵押权人的利益；其次，简要介绍几个具有典型意义的大陆法系国家关于抵押权追及力的立法状况，分析各国立法的侧重点；再次，结合我国担保立法关于抵押物转让制度的发展轨迹，对我国立法未明确承认抵押权所固有的追及效力，且限制抵押物转让的规定进行剖析，认为存在一定的疏漏和弊端，具有明显的不合理性；最后，根据我国国情，并借鉴国外立法的成功经验，提出完善我国抵押物转让及抵押权追及制度的具体立法建议，以寻求物权的静态安全与交易活动的动态安全的平衡。

The debtor whose property is subject to the mortgage is called the mortgagor.

其财产被按揭抵押的债务人被称为抵押人。

But few foreign graduates came home to "pay their pledge",as Nehru had put it.

以抵押的方式将学生送出国留学，但这些外国留学生很少会在毕业后回来赎回他们的抵押的。

This kind of mortgage is useful for people who are happy for their outgoings to change, but want their mortgage to reflect the changing costs of borrowing.

这种抵押是有用的人而感到高兴，他们改变较小，但想要改变，以反映其抵押借贷成本。

On top of that, they were able to pass the risk off to mortgage insurer or package these mortgages as mortgage-backed securities.

最重要的是，他们能够通过风险去抵押贷款保险或包装这些贷款作为抵押担保证券。

I also think that in China there are indeed too many people and a series of other problems, the lender of the information detailed understanding very difficult, such as we sometimes impossible for a person's information is very understanding, and sometimes he To say what his loan collateral can be secured, but sometimes he may have collateral security to the pawn shop, etc., these banks are sometimes difficult to understand, so understanding of information in China is relatively difficult.

我也觉得在中国的确存在着人太多以及其他的一系列问题，对贷款人的资讯方面去详细的了解很困难，比如我们有时候不可能对一个人的资讯情况非常的了解，有时候他来贷款说他有什么抵押物可以抵押，但是有时候他的抵押物可能已经抵押给了当铺等等，这些情况银行有时候会很难了解，所以资讯了解在中国是比较困难的。

Pawn business of personal real estate mortgage need to apply for registration to the relevant government departments.

个人房地产抵押典当需要到政府相关部门办理房地产抵押登记

Item IV.(1) \"Pledged assets included in reserve assets\" comprises securities pledged as initial margins for futures contracts."

"第 IV.1 项「包括在储备资产内的抵押资产」包括作为期货合约首期保证金的抵押证券。"

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。