真正按揭 的英文怎麼說
中文拼音 [zhēnzhēngànjiē]
真正按揭
英文
bona fide mortgage- 真 : Ⅰ形容詞（真實） true; genuine; real Ⅱ副詞1 （的確; 實在） really; truly; indeed 2 （清楚確實） cl...
- 正 : 正名詞（正月） the first month of the lunar year; the first moon
- 按 : Ⅰ動詞1 （用手或手指壓） press; push down 2 （壓住; 擱下） leave aside; shelve 3 （抑制） restrain...
- 揭 : Ⅰ動詞1 （把粘在別的物體上的片狀物取下） tear off; take off 2 （把蓋在上面的或遮擋的東西拿起） unc...
- 真正 : genuine; true; real; really; indeed
- 按揭 : installment
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This article consists of five parts as following : mortgage of uncompleted building was originated from the common law and the law of hong kong, so the paper probes into its meaning - the transformation of the specific property right ; when the debtor fails to perform his duty, the creditor can obtain the title determinately ; the debtor enjoys the right of redeeming the collateral security through fulfilling his debt, the creditor has the obligation of returning the property at the same time. secondly, the author summaries its essential feature on the practice of the real estate mortgage hi the mainland of china - the target of the mortgage is a kind of expective interest ; the mortgage is a kind of guarantee which is settled through making over the interests in expectancy ; the risk of the mortgaged uncompleted building should be borne by the realty company instead of the mortgagor ; the phase of the mortgage ; mortgage is realized in a particular way. thirdly, on the basis of analyzing the legal nexus that is involved, the paper points out that the legal ne xus of the mortgage is just between the mortgagor and the mortgagee
樓花按揭作為一種擔保方式起源於英美法上的mortgage ，所以本文第一部分首先探討了mortgage在英美法上的含義：特定財產權利的轉移；在債務人不履行債務時，債權人可以確定地取得所有權；債務人享有通過履行債務而贖回擔保物的權利，同時債權人負有交還財產的義務。其次，就我國的樓花按揭實踐總結了其基本特徵：樓花按揭涉及兩個合同三方當事人；樓花按揭的標的是一種期待性利益；樓花按揭是通過轉讓物業權益而設定的一種擔保方式；預售樓花滅失的風險應有開發商承擔；樓花按揭的階段性；樓花按揭實現方式的特殊性。最後，分析了樓花按揭所牽涉的各個法律關系，認為真正的樓花按揭法律關系只是購房人與銀行之間的按揭貸款關系，按揭當事人只有購房人（按揭人）與銀行。Mr. joseph yam, deputy chairman of the hkmc added, " the owner - occupancy requirement, which is important in ensuring that the programme will only benefit genuine homebuyers and a low default rate, will be strictly enforced by the hkmc
按揭證券公司副主席任志剛表示：按揭保險計劃的業主自住規定，可以確保這個計劃只會令真正的置業人士受惠，而且亦可使貸款拖欠率維持偏低。
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