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一、房地产开发贷款项目建设用地抵押存在的问题目前,银行房地产开发贷款担保措施一般采用项目建设用地及在建工程抵押方式。在“在建工程”阶段,按规定在项目用地设定抵押后预售房销售登记前,未销售的房产往往处于无法管控的真空状态,如果出现开发商虚假销售、一房多卖、被查封、扣押、第三人提出工程款优先权、留置权等事件,银行仅仅拥有房屋建成前的净地部分的优先
First, the real estate development loans project construction land mortgage problems Currently, bank real estate development loans guarantee measures generally use the project construction land and construction in progress mortgage. In the “construction in progress ” stage, according to the provisions of the project site set mortgage before the sale of pre-sale room registration, the sale of real estate are often in a state of uncontrollable vacuum, if the developer false sales, more than a room to sell, Was seized, seized, the third party proposed project priority, liens and other incidents, banks only have the pre-housing net part of the priority