商品房按揭法律问题研究

发布时间：2018-04-02 05:22

本文选题：按揭　切入点：期房按揭　出处：《烟台大学》2010年硕士论文

【摘要】：随着近年来我国社会主义市场经济的迅速发展,以及住房体制的改革,商品房的销售呈现出大幅增长的趋势。但是由于普通民众的收入与巨额的购房款之间存在很大差距,难以一次性支付全部购房款,为缓解居民购房的资金压力,促进资本融通,商品房按揭就应运而生:购房者向开发商支付一定比例的首付款之后,即可入住预购的房屋,剩余款项由银行以向购房者发放抵押贷款的形式直接支付给开发商,这在很大程度上解决了广大民众的住房问题。中国大陆使用的“按揭”一词是从香港传入的,其在中国大陆实施的时间并不长。在这期间,有很多关于按揭的法律性质、制度设定及相关制度完善的理论研究和阐述,但是很多情况下却忽略了按揭制度在中国大陆实践中呈现的特征。中国大陆的商品房按揭虽然有英美法按揭之名但却截然不同,虽然有大陆法抵押之实却无其形,同时其与香港法中的按揭也存在不同之处。为了尽快将商品房按揭贷款纳入法制轨道,建立和完善我国商品房按揭法律、法规体系,对商品房按揭的法律性质以及实务问题等进行深入、系统地研究,是极其必要的。本文共分为三大部分: 第一部分,探讨了按揭的起源与发展。通过介绍英美法系的按揭和我国香港地区法律中的按揭,说明按揭在融入中国大陆法律制度的过程中发生的变化,由此形成具有中国法律内涵的商品房按揭制度,并在实践中被广泛应用。第二部分,以有关按揭性质的相关学说为基础,对中国大陆商品房按揭的法律性质进行初步探讨。通过比较分析,得出商品房按揭的性质是特殊形式的不动产抵押。第三部分,针对我国商品房按揭实务中存在的问题进行了分析并提出了相应的对策。主要围绕三个问题展开:按揭过程中的提前还贷问题、按揭纠纷中开发商和银行的诉讼地位问题以及按揭保险的相关问题。
[Abstract]:With the rapid development of socialist market economy and the reform of housing system in China in recent years, the sales of commercial housing show a trend of substantial growth.However, because there is a big gap between the income of ordinary people and the huge amount of housing purchase money, it is difficult to pay all the house purchases at one time. In order to ease the financial pressure on the residents to buy houses and to promote capital financing,Commercial housing mortgage emerged as the times require: after the buyer paid a certain percentage of the down payment to the developer, he could move into the pre-purchased house, and the remaining amount would be paid directly to the developer by the bank in the form of a mortgage loan to the buyer.This to a large extent solved the housing problem of the general public.The term "mortgage" used in mainland China was introduced from Hong Kong and has not been in effect for a long time.During this period, there are many theoretical studies and expositions on the legal nature of mortgage, institutional setting and related institutional perfection, but in many cases the characteristics of mortgage system in mainland China are ignored.Although the commercial housing mortgage in mainland China has the name of Anglo-American mortgage, it is different from the mortgage in Hong Kong.In order to bring the commercial house mortgage loan into the legal orbit as soon as possible, establish and perfect the law and regulation system of the commercial house mortgage in our country, and carry on the thorough and systematic research to the legal nature and the practical problem of the commercial house mortgage, it is extremely necessary.This paper is divided into three parts:The first part discusses the origin and development of mortgage.By introducing the mortgage in Anglo-American law system and the mortgage in Hong Kong, this paper explains the changes that have taken place in the course of mortgage integration into the legal system of mainland China, thus forming the mortgage system of commercial housing with Chinese legal connotation.And it is widely used in practice.The second part, based on the related theories of mortgage nature, discusses the legal nature of commercial housing mortgage in mainland China.Through comparative analysis, it is concluded that the nature of commercial housing mortgage is a special form of real estate mortgage.The third part analyzes the problems existing in the practice of commercial housing mortgage and puts forward the corresponding countermeasures.It mainly focuses on three issues: mortgage in the process of early repayment, mortgage disputes between developers and banks of litigation status and mortgage insurance related issues.
【学位授予单位】：烟台大学
【学位级别】：硕士
【学位授予年份】：2010
【分类号】：D923

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