期房按揭法律問題研究.pdf

1、復(fù)旦大學(xué)碩士學(xué)位論文期房按揭法律問題研究姓名：陳樂申請學(xué)位級別：碩士專業(yè)：法律指導(dǎo)教師：王全弟20030428AbstractMortgage，generallyknownasafinancialtoolbeenusedinthepurchasingofrealtycarandotherbigtagitemsWiththeboomingeconomyisnotastrangenotionthatmeans“Enjoytoday’Slif

2、ebyusingtomorrow’Smoney”Butwhenthemortgagebeenusedonthe“Advancesaleofcommercialhousing“(callASOCtIherein)Peoplebeganputhisattentionnotonlyonhowgoodthenewlyfinancingchannelopentothepotentialbuyerhascausingthepositiveeffec

3、tonboththerealtyandbankingindustrybutalsoonthedisadvantagetlmthascreatingenormouslawsuitsanddisputesamongtheconsumerandthedeveloperSuchdisputesmostlyarefaultsofdeveloperincludingsamepremisebeingdoublesold，can’tdeliveront

4、ime，notaccordinglymeetthepurchasingagreement，orcausewrongimaginationtothebuyerThelaterhavecausedthethoroughdiscussionsofitslawfulpositionofmortgageonASOCHinthelegalsocietyMortgageisamethodofguaranteesourcingfromtheCase—l

5、awsystem，introducedfromtlongKongtoChinainearly90’SandacceptedbroadlyasanewmethodinconsumptionThelegalrightsofbothmortgageeandmortgagoritisnotdefinedinanyexistingChina’SlawandinpracticegenerallyreferstotheregimeofHypothec

6、ThereisanopenissuewhethertoputthemortgageofASOCHassecurityforHypothec，orinthecategoryoftheTransferringGuaranteeSystembecausethereisnealpremiseforthecreditortopledgeThisarticleistodiscoverthenatureofthemortgageonASOCHbyde

7、finingthenotionsandthecharactersofmortgage，mortgageonASOCHaswellasthejuralrelationofthemandbyintroducingthesocialimpactandthecontextofthemortgageonASOCHBycomparingtherightofthehypothec，therightofpledge，therightoftransfer

8、ringguaranteeandthemortgageonASOCH，theauthorholdsthatthemortgageonASOCHiSanewrightofpropertywiththebackgroundofthecurrentlegalsystem，andthatit’SawarrantedobligationwithremchamterwhichCanbetransferredasrightinremcondition

9、allyAstotheconveyanceofthetitleofthepremisewhichisthecharacterofmortgageonASOCH，theauthorholdsthataslongashavingbeenregistered，theexclusiveeffectcallbeendowedtotherightofthemortgagewithouttheunnecessaryactualconveyancewh