论文部分内容阅读
银行在受理在建工程抵押时,必须审查在建工程的合法性、到登记机关办理合法有效的抵押登记手续,并禁止借款人将信贷资金挪作他用随着我国房地产业的迅速发展,以在建工程抵押申请房地产开发贷款成为房地产开发企业融资的重要方式,也成为银行信贷业务的重点。由于在建工程的形态属于动态,且涉及到房地产开发企业、银行、承包企业、税收部门、购房人等多方当事人,法律关系错综复
When accepting the mortgage of the construction in progress, the bank must review the legality of the construction in progress, go through the formalities of valid and valid registration of mortgages with the registration authority, and prohibit the borrower from using the credit funds for other purposes. With the rapid development of China’s real estate industry, Mortgages under construction for real estate development loans to become an important way for real estate development enterprises financing has also become the focus of bank credit business. Due to the dynamic nature of the construction in progress and the complicated legal relationship involving real estate development enterprises, banks, contracting enterprises, tax departments, home purchasers and other parties