【作者】 杨定玉；

【导师】 周继祥；

【作者基本信息】 贵州师范大学 ， 马克思主义理论与思想教育， 2006， 硕士

【摘要】 商品房楼花按揭制度源自中国香港,是世界发达国家和地区流行的一种以在建或将建的商品房作为担保物,以取得银行按揭贷款的融资购楼模式。由于其特殊的融资功能,自传入我国以后,日趋盛行,越来越成为普通收入者在购买商品房时的一种有效购楼方式。然而,国内许多人士对楼花按揭制度的法律机理和运作机制还不甚了解,且在我国城镇商品房楼花按揭的实践中,出现了一系列的法律问题和纠纷难以解决。基于此,笔者以楼花按揭法律制度为研究对象,对楼花及其按揭的渊源进行了考证,并对此制度的性质及其预告登记的效力定位进行了法律上的探讨和评析;在此基础上,还对楼花按揭制度中按揭权的实现问题以及令人关注的楼花按揭运作中各方当事人的常见风险作了深入的分析,并就其常见风险的法律防范和对策提出了自己的建议和设想,以期楼花按揭业务能有效、正常的运行,繁荣房地产金融市场,促进市场经济健康、稳定和快速发展。关键词: .更多还原

【Abstract】 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. Because of its particular function, this system is adopted as an effective way increasingly by people with common income to purchase financial houses since its introduction into China.However, it is not known to the domestic people about the legal and operating mechanism of this system. And there appears a series of intractable legal issue and disputes during the process when such a system is put into practices. 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,更多还原