On The Protection Of The Rights Of The Mortgagor In China's Commodity Housing Loans

In recent years, with the booming housing market commodity to commodity housing purchase in the form mainly of mortgage loans increased gradually, but in view of the market is not mature enough and not perfect laws and regulations, in the commercial housing mortgage loans, there are many violations of the mortgage the phenomenon of the legitimate rights and interests, the paper started from the problems, trying to tackle the problem put forward a sound proposal.Listed in the text by way of a mortgage loan program is a logical sequence, the main contract for the sale of commodity housing problems in the commodity housing issues and mortgage insurance products in the home loans mortgage contract to the three aspects discussed in detail, such as false promises, the deposit, payment options, compulsory insurance, insurance agents, insurance and designated the first beneficiary terms, the content of insurance contracts, insurance, insurance rates, comprehensive insurance, contract method, the identity of difference between the mortgage, matching the principal also Loan principal and interest repayment method and matching method, the early repayment penalty, mortgage loans and housing accumulation fund loan options and many other issues. And finally solve the above problems and improve the system of legal norms and other aspects such as the establishment of proposed punitive liability system, improve the housing registration system, and increase information disclosure efforts, the introduction of the system of mortgage loans notary constructive views, expectations for our mortgage Mortgage loans will benefit the protection of human rights.