M - mortgager 中文 - EN166

mortgager n.【法律】抵押人。

mortice
In our future real right law , there should be some limitations to the open objects , hut nor the open contents in the property register of immovables ; lawsuit time limit should not he applied to return protoplast right of applicant ; we had better constitute positive prescription system ; powerless punish should not affect the force of contracts when the endorser has no right , but the transferee is well - meaning ; there should be proper toleration to the unanimous consent principle on punishing mutual thing ; we should prohibit mortgaging to some movable property which has no way to open ; there should not be the time limitation when mortgager realizes the hypothec after the fulfilling tern ; of primary creditor ' s rights is over , except that mortgager is not the debtor ; when the debtor do not refund the debt , the mortgager cannot get the guaranty directly , but he may put in for the court to auction guaranty 摘要我國未來物權法，對于不動產登記簿的開放對象應當有所限制，但對于開放內容不應有所限制；物權人的返還原物請求權不應當適用訴訟時效；應當建立取得時效制度，并應區分一般動產、準不動產、未登記不動產而規定不同的成立條件；在動產的轉讓人為無權處分而受讓人為善意的情況下，轉讓人與受讓人之間的合同是否有效不應當以“無權處分”為條件，只有在轉讓合同無效的情形下，受讓人取得標的物的所有權才是依善意取得制度的取得，此時的取得是原始取得；在共同共有的情形下，原則上處分共有物應當經共有人全體一致同意，但應容有若干例外；不應當規定居住權；動產抵押的公示方式問題無法徹底解決，如果規定動產抵押，應當實行登記要件主義，適于烙印、打刻或貼標簽的動產，應當采取烙印、打刻或貼標簽的方式，其他無法解決公示方式的動產應當禁止抵押；主債權履行期屆滿后，抵押權人行使抵押權，原則上不應當有一個時間限制，但抵押人非為債務人時可容有例外；在債務人不償債時，抵押權人不能直接讓抵押人交出抵押物，實現抵押權，但可以持抵押權登記簿副本直接申請法院拍賣抵押物。
Second , the writer discusses the theoretical orientation of the mortagage of presold merchandise buildings , pointing out that the mortagage of presold merchandise buildings is a kind of droit mortagage based on the expectant ownshipo since the buildings have not been constructed yet when they are mortagaged , the mortgagers ( eg . the buyers ) have not had the ownership of the buildings but have the expectant ownship of the buildings . the buyers have the right to request the ownship of the buildings from the builders , the preselling registered system make the droit has the character of the ownship so this expectant ownship can be mortagaged 其次，本文探討了預售商品房抵押的理論定位，指出預售商品房抵押是在物權性的期待權上設定的權利抵押。由于抵押時預售商品房尚未建成，抵押人(預購人)尚不享有預售房的所有權，只是享有預售商品房所有權期待權。該期待權的性質本是請求開發商交付房屋的債權，但由于預告登記制度的建立，使其具有物權性質。
Based on these , considering prepayment “ influence on mbs “ price , the following three pricing methods are researched on deeply . referring to the experiences of foreign countries , the pricing method based on prepayment pattern is given ; considering the influence of interest rate on prepayment , different interest rate simulation pricing methods are set up , which is on the basis of different interest rate term structure model ; in view of interest rate and different incentive threshold of mortgager , a interest rate incentive function simulation model is established to price mbs 在此基礎上，考慮到預付對證券價格的影響，對以下三種定價方式進行了深入研究：借鑒國外經驗，提出了基于提前還款模式的定價方法；考慮利率對預付行為的影響，建立了基于利率期限結構的不同種模擬利率定價模型；考慮到利率以及抵押借款人的不同利率刺激門檻對預付的影響，建立利率刺激函數模擬模型進行定價。
Having expounded the legal constitution , origin , meaning etc , the author draws a conclusion about the essence of the mortgage - the transferring guarantee , which is in contrast to the popular opinion that mortgage is charge or hypothecation , exactly speaking , what is transferred is the mortgager ' s expective right to the ownership 關于樓花按揭的性質，國內說法不一，所以在第二部分筆者首先簡要介紹了各種觀點，然后從法律構成、淵源；意義等三方面進行了論述之后得出結論：樓花按揭的實質是讓與擔保。
The transfer of pawn is the disposition of the pawn by the mortgager , three parties are concerned : the mortgagee , the mortgager , and the buyer . because of the identity of the target between the formerly existing hypothec relation and the debt relation afterwards , there are sure to be certain beneficial conflicts among the three parties 在傳統大陸法系民法中,普遍承認抵押權具有追及效力,即抵押權一經設立,抵押物所有權的變動,不影響抵押權的效力,抵押權的效力及于抵押物的受讓人。
Nonetheless , mortgage - backed still have some existing defects with the security , profitability and liquidity of modern commercial banks are looked at : one of the defects is that the capital that the bank gives to the mortgager is a liability of the bank to the depositors 但是，以現代商業銀行經營的安全性、盈利性和流動性角度來看，住房抵押貸款仍存在一些缺陷：一是銀行貸給按揭人的資金是銀行對儲蓄者的負債。
Once the loan contract is signed , the interest payment is locked . so it is more advantageous to mortgager . in banking business , mortgage prepayment is usually regarded as a convention 同浮動利率住房抵押貸款比較,固定利率住房抵押貸款對貸款人比較有利,一旦簽訂合同,在貸款期限內可以避免由利率上升帶來的貸款成本增長。
The first one is whether the third party can be the mortgager according to the maritime code , the third party can not the guarantee others “ debt with his own ship 第一個問題是第三人是否可以成為船舶抵押的抵押人的問題。據《海商法》的規定可推知，在船舶抵押中第三人不能用自己的船舶為他人的債務做擔保。
Fourthly , the author commented on the realization of the right of mortgage , the protection of the interest of mortgager and the handling of mortgage dissension 第四部分，對按揭權的實現，按揭人利益的保護，按揭糾紛的處理等實踐問題進行評析。
The many mortgagers of hong kong , for example , are now enjoying a mortgage interest rate , relative to prime , that is four percentage points less than six years ago 舉例說，現時本港眾多按揭供款人所付相比最優惠貸款利率的按揭利率，便較