以房养老第三方抵押贷款合同法律关系研究

发布时间：2018-05-16 12:43

本文选题：以房养老 + 第三方抵押贷款　；参考：《天津商业大学》2015年硕士论文

【摘要】：我国已经正式步入老龄化社会,养老问题是一个严峻的社会问题,是创建和谐社会无法避免、必须面对的挑战。开拓发展新型的养老模式变得十分必要。通过以房养老第三方抵押贷款合同来解决有房屋产权的老年人养老问题具有一定的可行性,其代表是津工超市的“养老幸福树”项目。该项目开展的比较成功,具有很强的实践意义。有必要从以房养老第三方抵押贷款合同的视角进行探讨,探究合同各方当事人主体的权利和义务关系。本文主要采用比较和逻辑分析两种方法,从以房养老第三方抵押贷款合同的含义入手,阐述该合同具有抵押方的特定性、房屋所有权和居住权的存续性、房屋剩余交换价值的稳定性等特征。进一步辨析了该合同与以房养老反向抵押贷款合同的不同之处。通过借鉴其他国家关于以房养老业务的相关规定,结合我国老年人的现状,界定以房养老第三方抵押贷款合同的抵押方为具有民事行为能力、拥有相应产权的房屋且年龄达到65岁及以上的老年人;借款方需要达到在中国大陆经营时间超过5年、具有良好的偿债能力等条件。贷款方则为国有商业银行。在该合同中,借款方主要享有知情权和任意解除权,同时承担告知义务、合理使用房屋的义务以及缴纳相关费用义务。借款方主要享有合理使用贷款的权利,承担信息披露义务和保证义务,同时需要提供养老服务。贷款方享有抵押权,承担信息披露义务、协助义务和告知义务。通过对权利义务的相关理论剖析,以期周到地保护以房养老第三方抵押贷款合同各方主体的正当权益。
[Abstract]:Our country has formally stepped into the aging society, the pension problem is a severe social problem, is the inevitable challenge to build a harmonious society, must face. It is necessary to develop a new pension model. It is feasible to solve the problem of old-age pension with housing property right by means of the third party mortgage loan contract of housing for the aged, which is represented by the project of "endowment happiness tree" in Tianjin Gong supermarket. The project has been carried out successfully and has strong practical significance. It is necessary to probe into the relationship between the rights and obligations of the parties to the contract from the perspective of the third party mortgage contract. This paper mainly adopts two methods of comparison and logic analysis, starting with the meaning of the third party mortgage loan contract for the housing for the aged, expounds that the contract has the particularity of the mortgagor, the existence of the house ownership and the right of residence. The stability of the house surplus exchange value and so on. The difference between the contract and the reverse mortgage loan contract is further analyzed. By drawing lessons from the relevant provisions of other countries on the housing old-age care business, combined with the current situation of the elderly in China, define the mortgagor of the third party mortgage contract of housing endowment as the civil capacity. Those who have the corresponding property right and are 65 years old and above, the borrowers need to have more than five years of operation in mainland China, and have good solvency and other conditions. The lenders are state-owned commercial banks. In this contract, the borrower mainly enjoys the right to know and the right to be discharged at will, and at the same time undertakes the obligation of informing, the obligation to use the house reasonably and the obligation to pay the related expenses. The borrower mainly enjoys the right to use the loan reasonably, undertakes the obligation of information disclosure and guarantee, and needs to provide old-age service. The lender shall enjoy the mortgage and undertake the obligation to disclose information, assist and inform. Through the theoretical analysis of the rights and obligations, the author hopes to protect the legitimate rights and interests of the parties to the third party mortgage contract.
【学位授予单位】：天津商业大学
【学位级别】：硕士
【学位授予年份】：2015
【分类号】：D923.6

【参考文献】