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房地产贷款是商业银行最为常见的贷款业务,它不仅关系到商业银行的经营效益,也影响到我国金融市场和社会的稳定。要切实防范当前房地产抵押贷款的法律风险,应着力抓好以下四个方面工作,把好风险防范关口。严格审查抵押人主体资格。依据《合同法》第9条“当事人订立合同,应当具有相应的民事权利和民事行为能力”的规定,贷款人在与抵押人签订抵押合同时,应注重审查:抵押人
Real estate loans is the most common loan business of commercial banks. It not only affects the operating efficiency of commercial banks, but also affects the stability of China’s financial markets and society. To effectively prevent the current legal risks of real estate mortgage loans, should focus on the following four aspects of work, good risk prevention mark. Strict review of the qualifications of the mortgagor. According to Article 9 of the Contract Law, the stipulation that “the parties conclude a contract should have the corresponding civil rights and civil capacity”, the lender should pay attention to the examination when signing the mortgage contract with the mortgagor: the mortgagor