| 论按揭之特性及其立法选择——以商品房按揭为中心展开 |
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| 引用本文： | 李晓春,林瑞青.论按揭之特性及其立法选择——以商品房按揭为中心展开[J].佛山科学技术学院学报(社会科学版),2008,26(3):7-11. |
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| 作者姓名： | 李晓春 林瑞青 |
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| 作者单位： | 佛山科学技术学院法律系,广东佛山,528000 |
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| 摘 要： | 按揭符合抵押的本质特征．其特性在于：按揭人须提供有效的购销合同并对合同的标的物设按揭；购销合同的买受人、按揭合同的按揭人和贷款合同的债务人须为同一人．且按揭权人须为银行；按揭合同与购销合同之标的物具有同一性。在我国。“按揭”应成为立法术语．且将之定性为特殊抵押。在按揭贷款的条件、主客体、按揭权行使条件。以及供应商连带保证责任或回购义务等诸方面予以规范。
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| 关 键 词： | 商品房按揭 法律特征 抵押 让与担保 立法选择 |
On the Features of Mortgage and Its Legislation——Taking Commercial Housing Mortgage as an Example |
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| LI Xiao-chun,LIN Rui-qing.On the Features of Mortgage and Its Legislation——Taking Commercial Housing Mortgage as an Example[J].Journal of Foshan University(Social Science),2008,26(3):7-11. |
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| Authors: | LI Xiao-chun LIN Rui-qing |
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| Institution: | LI Xiao-chun,LIN Rui-qing(Department of Law,Foshan University,Foshan 528000,China) |
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| Abstract: | The features of mortgage lie in these aspects: a mortgagor shall offer a valid purchase contract and mortgage the contract object only;the purchaser, mortgagor and obligor shall be the same person and the mortgagee shall be the bank;the objects tendered for in mortgage contract and purchase contract shall be the same.In China,mortgage shall be legally defined and standardized. |
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| Keywords: | commercial housing mortgage legal features mortgage assigning guarantee legislation |
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