本文選題：預(yù)售商品房按揭 + 不動產(chǎn)抵押�。� 參考：《吉林大學(xué)》2007年碩士論文

【摘要】： 預(yù)售商品房按揭90年代初由香港傳入內(nèi)地,在香港和廣東沿海地區(qū)又叫“樓花按揭”。隨著具有中國特色的福利分房制度的瓦解,商品房按揭,特別是預(yù)售商品房按揭作為房地產(chǎn)交易中的新興事物在中國內(nèi)地迅速發(fā)展,目前已成為中國房地產(chǎn)交易中的主要方式。中國內(nèi)地的預(yù)售商品房按揭雖是借鑒英美法系的按揭制度,但在運作方式上卻不完全同于按揭,而更接近于不動產(chǎn)抵押,在名稱上也以貸款擔保來稱呼。這就造成了預(yù)售商品房按揭實踐中沒有立法支持,法律適用混亂的局面。既影響了中國金融業(yè)和房地產(chǎn)業(yè)的全面健康發(fā)展,又導(dǎo)致了購房者權(quán)利受到損害的情況屢屢出現(xiàn)。基于此,本文從相關(guān)概念的闡述和澄清出發(fā),從按揭概念本身的起源及其制度發(fā)展的比較出發(fā),來認識我國內(nèi)地實行的預(yù)售商品房按揭。并在此基礎(chǔ)上,針對預(yù)售商品房按揭實踐中出現(xiàn)的問題和解決作了更接近實務(wù)的反思,并對預(yù)售商品房按揭的完善和發(fā)展提出設(shè)想。
[Abstract]:Pre-sale commercial housing mortgage from Hong Kong to the mainland in the early 1990s, in Hong Kong and the coastal areas of Guangdong also known as "mortgage flats." With the disintegration of welfare housing allocation system with Chinese characteristics, commercial housing mortgage, especially pre-sale mortgage, as a new thing in real estate transaction, has developed rapidly in the mainland of China, and has become the main way of real estate transaction in China. Although the pre-sale commercial housing mortgage in mainland China is based on the mortgage system of Anglo-American legal system, it is not exactly the same as mortgage, but is more similar to real estate mortgage, and is also referred to as loan guarantee in the name. This resulted in the pre-sale of commercial housing mortgage practice without legislative support, the application of the law chaos. It not only affects the healthy development of Chinese finance and real estate industry, but also leads to the damage of property buyers' rights. Based on this, this paper starts from the elaboration and clarification of relevant concepts, from the origin of the concept of mortgage and the comparison of the development of the system, to understand the pre-sale commercial housing mortgage in the mainland of China. On this basis, the problems and solutions in the practice of pre-sale commercial housing mortgage are reviewed, and the improvement and development of pre-sale commercial housing mortgage are put forward.
【學(xué)位授予單位】：吉林大學(xué)
【學(xué)位級別】：碩士
【學(xué)位授予年份】：2007
【分類號】：D923

【引證文獻】

相關(guān)碩士學(xué)位論文 前1條

1 滕潔玉;商品房按揭法律問題研究[D];煙臺大學(xué);2010年

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本文編號：1996622