mortgager 中文意思是什麼

Fourthly, the author commented on the realization of the right of mortgage, the protection of the interest of mortgager and the handling of mortgage dissension

第四部分，對按揭權的實現，按揭人利益的保護，按揭糾紛的處理等實踐問題進行評析。

The first one is whether the third party can be the mortgager according to the maritime code, the third party can not the guarantee others " debt with his own ship

第一個問題是第三人是否可以成為船舶抵押的抵押人的問題。據《海商法》的規定可推知，在船舶抵押中第三人不能用自己的船舶為他人的債務做擔保。

Once the loan contract is signed, the interest payment is locked. so it is more advantageous to mortgager. in banking business, mortgage prepayment is usually regarded as a convention

同浮動利率住房抵押貸款比較，固定利率住房抵押貸款對貸款人比較有利，一旦簽訂合同，在貸款期限內可以避免由利率上升帶來的貸款成本增長。

Nonetheless, mortgage - backed still have some existing defects with the security, profitability and liquidity of modern commercial banks are looked at : one of the defects is that the capital that the bank gives to the mortgager is a liability of the bank to the depositors

但是，以現代商業銀行經營的安全性、盈利性和流動性角度來看，住房抵押貸款仍存在一些缺陷：一是銀行貸給按揭人的資金是銀行對儲蓄者的負債。

The transfer of pawn is the disposition of the pawn by the mortgager, three parties are concerned : the mortgagee, the mortgager, and the buyer. because of the identity of the target between the formerly existing hypothec relation and the debt relation afterwards, there are sure to be certain beneficial conflicts among the three parties

在傳統大陸法系民法中，普遍承認抵押權具有追及效力，即抵押權一經設立，抵押物所有權的變動，不影響抵押權的效力，抵押權的效力及於抵押物的受讓人。

Having expounded the legal constitution, origin, meaning etc, the author draws a conclusion about the essence of the mortgage - the transferring guarantee, which is in contrast to the popular opinion that mortgage is charge or hypothecation, exactly speaking, what is transferred is the mortgager ' s expective right to the ownership

關于樓花按揭的性質，國內說法不一，所以在第二部分筆者首先簡要介紹了各種觀點，然後從法律構成、淵源；意義等三方面進行了論述之後得出結論：樓花按揭的實質是讓與擔保。

Based on these, considering prepayment " influence on mbs " price, the following three pricing methods are researched on deeply. referring to the experiences of foreign countries, the pricing method based on prepayment pattern is given ; considering the influence of interest rate on prepayment, different interest rate simulation pricing methods are set up, which is on the basis of different interest rate term structure model ; in view of interest rate and different incentive threshold of mortgager, a interest rate incentive function simulation model is established to price mbs

在此基礎上，考慮到預付對證券價格的影響，對以下三種定價方式進行了深入研究：借鑒國外經驗，提出了基於提前還款模式的定價方法；考慮利率對預付行為的影響，建立了基於利率期限結構的不同種模擬利率定價模型；考慮到利率以及抵押借款人的不同利率刺激門檻對預付的影響，建立利率刺激函數模擬模型進行定價。

In our future real right law, there should be some limitations to the open objects, hut nor the open contents in the property register of immovables ; lawsuit time limit should not he applied to return protoplast right of applicant ; we had better constitute positive prescription system ; powerless punish should not affect the force of contracts when the endorser has no right, but the transferee is well - meaning ; there should be proper toleration to the unanimous consent principle on punishing mutual thing ; we should prohibit mortgaging to some movable property which has no way to open ; there should not be the time limitation when mortgager realizes the hypothec after the fulfilling tern ; of primary creditor ' s rights is over, except that mortgager is not the debtor ; when the debtor do not refund the debt, the mortgager cannot get the guaranty directly, but he may put in for the court to auction guaranty

摘要我國未來物權法，對于不動產登記簿的開放對象應當有所限制，但對于開放內容不應有所限制；物權人的返還原物請求權不應當適用訴訟時效；應當建立取得時效制度，並應區分一般動產、準不動產、未登記不動產而規定不同的成立條件；在動產的轉讓人為無權處分而受讓人為善意的情況下，轉讓人與受讓人之間的合同是否有效不應當以「無權處分」為條件，只有在轉讓合同無效的情形下，受讓人取得標的物的所有權才是依善意取得制度的取得，此時的取得是原始取得；在共同共有的情形下，原則上處分共有物應當經共有人全體一致同意，但應容有若干例外；不應當規定居住權；動產抵押的公示方式問題無法徹底解決，如果規定動產抵押，應當實行登記要件主義，適于烙印、打刻或貼標簽的動產，應當採取烙印、打刻或貼標簽的方式，其他無法解決公示方式的動產應當禁止抵押；主債權履行期屆滿后，抵押權人行使抵押權，原則上不應當有一個時間限制，但抵押人非為債務人時可容有例外；在債務人不償債時，抵押權人不能直接讓抵押人交出抵押物，實現抵押權，但可以持抵押權登記簿副本直接申請法院拍賣抵押物。