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房地产抵押贷款越来越受到企业和金融机构的青睐，正以较快的速度替代过去银行通常采用的信用贷款、担保贷款、机器设备抵押贷款等。《中华人民共和国担保法》（以称《担保法》）和《中华人民共和国房地产管理法》（以称《房地产法》）设专节对房地产抵押作出专门规定，改变了
Real estate mortgage loans are increasingly favored by enterprises and financial institutions, and are replacing credit loans, secured loans, machinery and equipment mortgages commonly used by banks in the past. The Law of the People’s Republic of China on Guarantee (referred to as “Guarantee Law”) and the “Law of Real Estate Management of the People’s Republic of China” (known as the “Real Estate Law”) have special sections on the mortgage of real estate and have changed