On Housing Mortgage Risk And Prevention

Since the reform and open policy, has implemented the house commercialization and the cities housing system reform as well as the housing common reserve fund system, our country commodity apartment mortgage first develops in the coastal economy developed area, subsequently to inland advancement, and becomes the bank, the property developer and purchases homes the human to participate in the property development management together one important financing way. Commodity apartment mortgage service development, also gave purchases homes the human, the bank, real estate business has all brought many profits. Further declines along with our country mortgage loan interest rate, the mortgage development tendency will be swifter more and violent.But because commodity apartment mortgage in our country is newly emerging things, just started soon, lacked the experience, the domestic research quite were also few, the legal rule was a blank nearly, created in the reality to operate is not very standard, produces massive false mortgage to obtain by illegal purchase the bank cash, the deceit purchases homes phenomenon and so on human, in. mortgage all quarters litigants all has the very big risk. At present in mortgage appears dispute more and more many, some loans dispute case quite is also complex, seriously has already affected commercial bank's benefit, becomes newly not good loans the point of growth. Specially time room mortgage, purchases homes the human after pays the house cost, cannot like to builds the good house such to obtain the house the property rights, but only is obtains to the house property rights anticipation power, it in essentially is one kind of creditor's rights. Thus the time room mortgage loan has a bigger risk to the mortgage litigant, is easier to have the dispute. But property developer because must undertake the association...