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房地产作为特殊的商品在我国公民生活消费中的地位十分重要,而我国在对住房制度进行改革明确了房地产消费关系的市场属性之后,由商品经济本身决定的消费者的弱势地位在住房按揭贷款中就越发突出了。因此,在按揭贷款过程中消费者的权利受到侵害时,向其提供及时有效的保护就显得尤为重要。本文讨论了如何构建按揭贷款中消费权益保护制度,以期完善对我国房地产的消费者权益的保护。
The status of real estate as a special commodity in the life and consumption of citizens in our country is very important. After our country reforming the housing system and clarifying the market attributes of the relationship between real estate consumption, the disadvantaged status of consumers determined by the commodity economy itself is in the housing mortgage loan The more prominent. Therefore, it is especially important to provide timely and effective protection to consumers when their rights are infringed during the mortgage loan. This article discusses how to construct the protection system of consumer rights and interests in mortgage loans so as to improve the protection of consumers’ rights and interests in real estate in our country.