mortgage of property 中文意思是什麼
mortgage of property
解釋
財產抵押權-
Legal affairs on real estate : participate in the design and selection on the real estate investment planning ; participate in the establishment of real estate company ; act as the legal adviser of the real estate company ; assist conducting the transfer out, assignment and mortgage of the right to use the land ; participate in the assignment of real estate project ; participate in the pre - sell, marketing of the real estate, mortgage loan, building leasing ; supply the legal services on real property management
房地產法律業務：參與房地產投資方案的設計和選擇，參與房地產項目公司的設立，擔任房地產公司的法律顧問，協助辦理土地使用權的出讓、轉讓和抵押，參與房地產項目的轉讓，參與房地產預售、銷售、抵押擔保貸款、樓宇租賃，提供物業管理法律服務。 -
In cases where mortgage of property is obtained as collateral security for trade finance / loan, title verification should be made by the approved advocate and satisfactory report should be kept on record, duly approved by the branch manager
如果公司把財產作為抵押品進行貿易融資貸款，應經過分行經理的合理批準，由授權的律師對抵押品進行資質審核，公司提交貸款報告並交銀行備案。 -
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。 -
So - called exceptions such as retention of title, proprietary security, mortgage of movable property and especially the consignation in notion make me convinced that the publicity principle is not flawless at least in terms of movable property
所有權保留、讓與擔保和動產抵押，尤其是觀念交付等所謂例外現象的存在，令我相信，公示原則至少在動產上並非無懈可擊。 -
In view of present scattered and incompact research of the field in mainland, while systemic and meticulous research is also necessary for the development of legislation and economy demands, during the course of property legislation and asset securitization, i choose the issue of the accessory character and independent character of mortgage as the subject of my thesis
選擇抵押權的附隨性和獨立性問題作為畢業論文研究的方向，主要是看到目前國內對這個問題的研究處於一種不系統、不細致的狀況，而我國的物權立法和資產證券化正處于攻堅階段，立法和經濟生活要求對這一問題進行系統、細致的研究。 -
The pledge right of intellectual property is one kind of pledge rights, it thus has the characteristics of property right, mortgage, subordinacy, and priority of payment, which are held by normal pledge right. because the subject - matter of intellectual property is a kind of chose in action, it therefore has some features different from other rights and duties in its object, way of establishing, and way of realization
知識產權質權是權利質權的一種，因而具有物權性、擔保性、從屬性、優先受償性等一般質權的特徵，但由於知識產權標的物為一種無體財產權，因而其在客體、設定方式、實現方式上有著不同於其他權利質權的特徵。 -
The construction bureau of beijing has launched several policies to regulate the overall beijing property market since april 2006, with the emphasis on mortgage information bulletin of presale property projects ; qualifications of property agents ; strengthening the monitoring and control of property market ; regulating the contract - signing process of property transaction ; developing the regulations for property transaction and other specific issues
4月以來，北京市建委先後出臺政策，從房地產預售項目抵押信息公示、商品房的售樓人員資格認證、加強商品房交易市場動態監管、規范商品房合同簽約行為、規范商品房預銷售管理、開展房屋交易市場秩序專項整頓等方面開展了對北京房地產市場秩序的全面整頓；並且對不符合條件擅自預售商品房，捂盤惜售、囤積房源，惡意炒作、哄抬房價等行為進行了約束和控制。 -
Secondly, the author researched on the main body, content and object in the mortgage of the real estate industry of china, and concluded that the object in mortgage is not the house property, but the expectant to the ownership of the mortgage target, it is a property rights
其次，研究了我國房地產按揭法律關系的主體，內容和客體，認為按揭法律關系的客體不是房產（物） ，而是對按揭標的物的所有權的期待權，是一種財產權益。 -
In terms of movable property, the exceptions include retention of title, proprietary security, mortgage of movable property and especially the consignation in notion ( indirect possession ). however, this part primarily testifies that consignation in notion ( indirect possession ) is different from the others in nature, because only consignation in notion ( indirect possession ) constitutes a probable threat to the publicity principle, while the other three are really special exceptions
在動產，例外包括所有權保留、讓與擔保、動產抵押、觀念交付（間接佔有） ，本部分初步論證了觀念交付（間接佔有）雖與所有權保留、讓與擔保、動產抵押同為動產公示原則的例外，卻有本質的差異，因為只有觀念交付（間接佔有）對公示原則而言可能具有顛覆性，而另外三個真的是個別的例外而已。 -
In advance accounts, where, mortgage of property has been obtained, or huge amount of stamp duty is involved, the branch shall obtain renewal documents, once every year
對于已進行財產抵押或涉及高額印花稅的預支款帳戶，分行應每年取得續借證明。 -
Chapter two analyzes the causes of risks of the business from the perspectives of property developers, borrower, banks, mortgage security and regulatory and legal environment. chapter three introduces the best experience and practice in developed countries housing
在論文的第二章，筆者分別從開發商、借款人、銀行自身、抵押物、宏觀經濟環境等五個方面詳細闡述了個人住房按揭貸款風險形成的原因。 -
It is further discusses that value of mortgage and property right of mortgage are the natural characteristics of mortgage
並論述了抵押僅的物權性、抵押權的價值權性為抵押權的本質特性。 -
Non - regular salaried self - employed persons are not eligible except for professionals such as doctors, accountants, lawyers or other professional categories acceptable to the hkmc. type of property properties under construction are not eligible for coverage i. e. equitable mortgage loan not allowed
非固定受薪自僱人士不符合資格，但若干類別的專業人士如：醫生會計師律師或按揭證券公司接納的其他專業不受此限制。 -
The formal financial institutions will refuse to give loans to the poor because of the profit motive as they face the questions such as smaller amount of loans, larger risks, worse credit standing without mortgage, difficulty in the supervision over the use of the loans ( because of lacking related information of property and economy ) and high management and dealing cost
因為對窮人的貸款具有數額小、風險大、信譽差且無法提供擔保、貸款使用監測困難（缺乏相關的財產和經濟信息） 、管理和交易費用高等問題。正規金融機構由於它的趨利性，就會放棄對窮人的貸款。 -
The purpose of mortgage is not to accomplish value in pledge but to obtain and then control security ' s exchanged value. as far as its nature is concerned, mortgage is not either property right or creditor ' s right, let alone the simple mixture of property and creditor ' s rights
抵押權是以取得標的物的交換價值為目的，而並非以實現給付價值為目的，是對交換價值的支配，所以從本質上說，它既非物權，亦非債權，更非物權和債權兩者的簡單相加。 -
Mortgage of property under construction of commercial housing, derived from hong kong of china, is a kind of financial houses, prevailing in developed nations and regions. it is guaranteed with buildings being and. to be built, and can be purchased on mortgage loans from banks
商品房樓花按揭制度源自中國香港，是世界發達國家和地區流行的一種以在建或將建的商品房作為擔保物，以取得銀行按揭貸款的融資購樓模式。 -
For this sake, this essay focuses on the legal system in mortgage of property under construction. it examines the origin of the mechanism, illustrates the characters and feasible evaluation of premonitory registration of this system, and investigates into the problems about realization of rights and some common risks with clients concerning these risks of legal precautions, aimed at operating the mortgage business efficiently and smoothly, flourishing the financial market in estate, and developing the market economy healthily and stably. key words : mortgage of property under construction,
基於此，筆者以樓花按揭法律制度為研究對象，對樓花及其按揭的淵源進行了考證，並對此制度的性質及其預告登記的效力定位進行了法律上的探討和評析;在此基礎上，還對樓花按揭制度中按揭權的實現問題以及令人關注的樓花按揭運作中各方當事人的常見風險作了深入的分析，並就其常見風險的法律防範和對策提出了自己的建議和設想，以期樓花按揭業務能有效、正常的運行，繁榮房地產金融市場，促進市場經濟健康、穩定和快速發展。 -
At present, these financial risks are mainly reflected in ( i ) market risks in several areas where the real estate market appears overheated ; ( ii ) financial risks due to the high debt level of property developers ; ( iii ) moral hazard reflected in felonies involved in mortgage borrowings ; ( iv ) operational risks in bank credit lending especially by local branch offices ; ( v ) credit risks on land developers, and ( vi ) legal and regulatory risks on property lending
當前房地產金融風險集中表現為：一是部分地區房地產市場過熱存在市場風險；二是房地產開發企業高負債經營隱含財務風險；三是「假按揭」凸顯道德風險；四是基層銀行發放房地產貸款存在操作風險；五是土地開發貸款有較大信用風險；六是房地產貸款法律風險加大。 -
Meanwhile based on protecting security of transaction and safeguarding the right of mortgage, it should be admitted that the system of acquisition of movable property in good faith should be used to mortgage of chattels, which manifests the increasing improvement in that principle
動產抵押物的轉讓導致了兩種利益的沖突，化解這一沖突的最好方法便是採取抵押權的物上代位性。同時，基於保護交易安全，維護抵押權的需要，應承認動產抵押權的善意取得，這也表明善意取得制度在發展中不斷壯大。 -
With the intellectual accumulation of the human capital and the promotion of the specialized level, the feature of mortgage of the human capital is intensified and its insufficiency is overcome too, the feature of the evolving from the property rights contract of the classic firm to the modern firm property right is from one - incentive to plura - incentive
由於人力資本與非人力資本的特點導致了二者存在不同的交易機制，隨著人力資本知識積累與專用性程度的提高，人力資本的抵押特徵增強克服了人力資本的劣勢。現代企業產權契約演進的特徵是從一元激勵到多元激勵，基於這種分析，傳統的股份公司治理結構必然走向利益相關者共同治理。
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