论文部分内容阅读
住房抵押贷款是指借款人以所购买或建造的住房作抵押品,从金融机构取得购建房贷款的方式。实行住房抵押贷款,借款人以所购买或建造的住房作抵押;借贷双方签订抵押贷款合同;借款人违约,金融机构可取消借款人的抵押物赎回权,处理抵押物以偿还贷款本息。这种方式手续简便,把法律手段和经济手段有效地结合起来,有利于维护借贷双方的合法权益,降低金融机构贷款发放的风险,为世界各国普遍采用。我国是一个发展中国家,发展住房信贷面临着一系列现实困难,如居民收入水平低,不习惯举
Home mortgage loans refers to the borrowers to buy or build the housing as a collateral, obtained from the financial institutions to buy housing loans. The implementation of housing mortgage loans, the borrower to buy or build the housing as a security; loan and loan contracts signed by the lenders; borrowers default, the financial institutions to cancel the borrower’s mortgage redemption, the collateral to repay the loan principal and interest. The formalities are simple and convenient. The effective combination of legal means and economic means helps to safeguard the lawful rights and interests of both borrowers and lenders and reduces the risk of loans from financial institutions, making them universally adopted by all countries in the world. As a developing country, China faces a series of difficulties in real estate development. For instance, the income level of residents is low, so they are not accustomed to