On Guaranty Law System Of Home Mortgage

In recent years, the housing consumer credit develops quickly in our country, with the amount of home mortgage rising years by years. To regulate the personal housing loan, one of the key problems is to resolve the guaranty on the loan. So to consummate the guaranty legal system of home mortgage has important meaning for the promotion of the development of the real estate and financial industry.This article is about how to consummate domestic guaranty legal system on home mortgage. It is concluded by four parts. The first part is to introduce the current guaranty legal system of our country, and to analyze the advantages and disadvantages of the current system from the points of warrantees and warrantors differently. The second part is to introduce the correlative legal system overseas, mainly including the realty guaranty, loan insurance and the securitization for home mortgage. The third part is to advise to absorb the advantage of correlative legal system overseas and to make a suggestion on editing and consummating domestic guaranty law of home mortgage. The forth part is to summarize the content of the article and propose to make more research in certain research direction on this thesis.