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地上建筑物和土地使用权的抵押作为一种物的担保方式,是指抵押人以其依法享有的房屋所有权或土地使用权以不转移占有的方式向抵押权人提供债务履行担保的行为。
The mortgage of ground buildings and land use rights as a kind of material guarantee means that the mortgagor provides the mortgagee with debt performance guarantee in the manner of non-transfer of possession of the house ownership or land use right according to law.