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目前我国房地产按揭包括预售商品房按揭和现房按揭。实践中比较多的现房按揭,本文试对此作简要阐述。一、现房按揭概念、性质的法律分析现房按揭是指在商品房建成以后购房者与开发商签订商品房买卖合同并支付部分价金,余款向银行申请贷款并将所购房产的有关权证提交银行作为贷款担
At present, China’s real estate mortgage, including pre-sale of real estate mortgages and existing mortgages. In practice, there are many existing mortgages, this article tries to make a brief exposition. First, the concept of existing mortgages, the nature of the legal analysis of existing mortgages refers to the completion of commercial housing buyers and developers signed a contract for the sale of commercial housing and pay part of the price, the balance of loans to banks and the purchase of real estate related warrants submitted to the bank as Loans to bear