| In terms of the nature and the actual conditions of the commodity-housings presale mortgage , the author makes a rather systematic study on the system of national commodity-housings presale mortgage from four aspects. After introducing the origin of mortgage and the development of the system of national commodity-housings presale mortgage, the thesis discusses the legal characteristic and the most essential risks of the commodity-housings presale mortgage, defines the legal characteristic of the subject which is composed of the consume, the bank and the real estate development enterprises, summarizes the risks that come form the subject, indicates four precaution methods about the risks, which are the insurance intervention, the securitization of housing mortgage loan, the guarantee of the real estate development enterprises and the joining of medi-organization, and proposes to perfect the Commodity-housings Presale Management Law and constitute the Commodity -housings Presale Mortgage Management Law after analyzing the actual legislation conditions about the system of national commodity-housings presale mortgage. The appearance of the commodity-housings presale mortgage is not only settling the real estate development financing but also providing the better conditions for common people to purchase commodity-housings. At the same time, it increases the bank operations and enlarges the real estate market. The author wishes to do her endeavor for perfecting the system of national commodity-housings presale mortgage .
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