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《最高人民法院关于人民法院民事执行中查封、扣押、冻结财产的规定》从尊重和保护公民的基本宪法权利和人格权利出发,对房屋等财产的强制执行进行了一些规定,其中关于居住房屋的执行、第三人占有的房屋的执行、转让中房屋的执行以及可供执行财产的范围等有关规定对商业银行个人住房贷款业务将产生巨大影响。拟就《新规定》中有关条款对商业银行个人住房贷款业务的利弊影响进行深入分析,并提出一些建议。
The Provisions of the Supreme People’s Court on Sealing, Seizing and Freezing Property in the Civil Execution of People’s Courts set out some basic constitutional rights and personality rights that respect and protect citizens, and enforced the enforcement of the property such as houses. Among them, Implementation of the implementation of third-person housing, the implementation of the transfer of housing and the scope of the availability of property and other relevant provisions of the commercial bank personal housing loan business will have a tremendous impact. It is intended to make an in-depth analysis of the pros and cons of the relevant provisions in the “new regulation” on the commercial housing loan business and put forward some suggestions.