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第一章 总则第一条 为支持城镇居民购买用住房公积金建造的自用普通住房,规范个人住房信贷管理,维护借贷双方的合法权益,根据《中华人民共和国商业银行法》、《中华人民共和国担保法》和《贷款通则》,制订本办法。 第二条 个人住房担保贷款(以下简称贷款)是指借款人或第三人以所购住房和其他具有所有权的财产作为抵押物或质物,或由第三人为其贷款提供保证,并承担连带责任的贷款。借款人到期不能偿还贷款本息的,贷款银行有权依法处理其抵押物或质物,或要求保证人承担连带偿还本息的责任。
Chapter I General Provisions Article 1 In order to support urban residents to purchase self-use ordinary houses built with housing provident funds, standardize the management of personal housing credit and safeguard the legitimate rights and interests of both borrowers and lenders, according to the Law of the People’s Republic of China on Commercial Banks, the Guarantee Law of the People’s Republic of China “And” Loan General ", the formulation of this approach. Second personal housing secured loans (hereinafter referred to as loans) refers to the borrower or a third party to purchase the housing and other property ownership of the property as collateral or material, or by a third party for their loans to provide security, and bear joint and several liability Responsible for the loan. If the borrower fails to repay the principal and interest of the loan upon maturity, the lender has the right to dispose of its mortgaged or material goods in accordance with the law or require the guarantor to bear the joint and several liability for repayment of principal and interest.