居民在购买住房时，先从银行或其他机构贷出部分或全部房款付给卖方，取得房屋所有权，再以分期付款方式向贷款机构摊还贷款本息；而贷款机构在贷出款项时，要求贷款申请人以所购买的住房作抵押，在申请人违约时，贷款机构（债权人）有权接收该房产并拍卖以充抵债务，这就... Residents in the purchase of housing, the first bank or other institutions lend part or all of the money to the seller to obtain the ownership of the house, and then by installments to the loan agency to repay the principal and interest loans; and lending institutions in the lending money, the requirements The loan applicant pays for the purchased house, and when the claimant defaults, the lender (creditor) has the right to receive the property and auction to repay the debts, which ...