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按揭制度同时满足开发商、按揭人和银行的不同利益需求,赢得三方主体的青睐。随着我国房地产事业的发展,按揭制度凸显出法律性质不明确、银行条款替代法律法规以及立法层面缺位等问题。这些问题是商品房买卖纠纷发生、按揭人权益遭受损害的主要原因。以法律为视角对商品房按揭制度进行分析,介绍按揭的立法现状,分析按揭人权益受侵的典型问题,提出完善按揭人权益保障的法律途径。
The mortgage system also satisfies the different interests of developers, mortgagors and banks and wins the favor of the tripartite subjects. With the development of real estate in our country, the mortgage system highlights issues such as the unclear nature of law, the substitution of banking clauses for laws and regulations, and the absence of legislation. These problems are the main reasons for the disputes over the sale and purchase of commercial houses and the damage to the rights and interests of mortgagors. From the perspective of law, this paper analyzes the mortgage system of commercial housing, introduces the current legislation of mortgage, analyzes the typical problems of mortgagee ’s rights and interests invasion, and puts forward the legal ways to improve the protection of rights and interests of mortgageers.