He what know a house right of a set that whether right state has hypothec , building already was closed down by people court , whether to include the range that tear open change , whether to rent etc , mix in order to ensure besides the dependability of the value beyond building itself authenticity 了解房屋的他项权利状况是否有抵押权的设定、房屋权利是否已被人民法院查封、是否列入拆迁范围、是否租赁等，以确保除了房屋本身以外的价值的可靠性和真实性。
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 在传统大陆法系民法中,普遍承认抵押权具有追及效力,即抵押权一经设立,抵押物所有权的变动,不影响抵押权的效力,抵押权的效力及于抵押物的受让人。
The third section : the effectiveness of eigentumerhypothek in the part , the author separately discusses the force of the die eigentumerhypothek mit forderung and the eigentumerhypothek ohne forderung . the thesis holds that the obligee ca n ' t initiatively exert the hypothec , can deal with the stake according to the law , and as to die eigentijmerhypothek mit forderung , the stake can be picked out from the bankruptcy , but the ei gen turner hypo thek ohne forderung ca n ' t be so . the fourth section : the necessity of accepting eigentumerhypothek in the part , the article argues that adopting eigentumerhypothek meets the need of insuring the benefit balance between the parties , of strengthening our hypothec legislation , and of development of the economy and the judiciary practice 第三部分所有人抵押权的效力在这个部分，笔者从所有人抵押权的处分、抵押物的处分、抵押物在破产法上的别除权以及所有人抵押权的实行等四个方面分别对保有债权的所有人抵押权和不保有债权的所有人抵押权的效力进行了论述，认为所有人抵押权既然不是一种抵押权，当然无抵押权的固有效力，因而权利人不可以主动实行所有人抵押权，而抵押物仍然可以依法处分，保有债权的所有人抵押权，其抵押物在破产法上享有别除权，而不保有债权的所有人抵押权则不享有别除权。
Following estate , must not make over : 1 ? of ? according to town planning , municipal government decides to call in of land access ; 2 ? of ? judiciary , executive authority ruling , decision closes down or limit estate right with other form lawfully ; 3 ? of ? share estate , without other and mutual person written agree ; 4 ? of ? the estate of set hypothec , agree without hypothec person ; 5 authority of ? are belonged to open to question ; 6 ? law , code or municipal government set ? the other state that prohibits making over 下列房地产，不得转让： ? 1 ?根据城市规划，市政府决定收回土地使用权的； ? 2 ?司法机关、行政机关依法裁定、决定查封或者以其他形式限制房地产权利的； ? 3 ?共有房地产，未经其他共有人书面同意的； ? 4 ?设定抵押权的房地产，未经抵押权人同意的； ? 5权属有争议的； ? 6 ?法律、法规或市政府规定禁止转让的其他情形。
Firstly the author have made the brief expatiation to the idea , intention and go in for value of civil compelled implement , and the author also have put up kinds of priority which related to juristic provision of some performed procedures like close down the priority , legal priority ( lien ) , conventional priority ( hypothec , pawn ) and the content of vendue priority 首先作者分别从民事强制执行的概念、目的以及价值追求做了简短阐述,对执行程序的法律规定中涉及的几种类型优先权如查封优先权、法定优先权(留置权) 、约定优先权(抵押权、质权)以及拍卖优先权内容进行了简要介绍。
On the basis of comparative analysis of realization of hypothec in typical countries and areas , the paper points out the pattern of judicatory protection combining saving oneself should be applied in china , because this pattern absorbs advantages and overcomes shortcomings of the two patterns , which respecting the will of concerned parties and remaining the proper intervention of administrative power , so that the concerned parties can be well protected . the third part is about the study on the necessity and feasibility of hypothec entering the procedure of coercive execution . first the paper analyzes the legal nature of hypothec , pointing out its nature 文章在对世界上典型国家和地区抵押权实现制度进行比较分析的基础上，指出司法保护主义注重公平、秩序，忽视了效率，而当事人自救主义注重效率，而忽视了公平、秩序，只有司法保护主义和当事人自救主义相结合的实现模式，既吸收了司法保护主义、当事人自救主义两种实现模式的优点，又克服了二者的缺点；既尊重了当事人的意志，又保持了国家适度干预，较好地保护所涉利害关系人各方的利益。
The author analyses the present baffle of realization of hypothec by private power and long proceeding as well as high lawsuit expense which includes public and private cost on realization of hypothec by public power in china , indicating that the present situation of realizing hypothec through notarization procedure is unusual and highly expensive , which greatly restrains the economic development in china 作者分析了目前我国抵押权私力实现的困惑，公力实现中的漫长诉讼程序和高额诉讼成本，其中包括公共成本和个人成本，并指出用公证程序来实现抵押权的非一般性和高额费用，以及目前抵押权实现状况对我国经济发展的制约。
Auto buying installments insurance has components of general property insurance policies , comparing with guarantee , it is different in right , obligation and implementation , counterargument etc , " guarantee law " is not applicable to this insurance ; auto buying installment insurance and auto sales contract has no master - slave feature , mutually separated , can not be incorporated for inquisition ; the insurance agreement established by insurance policy parties and filed insurance clauses are supplemented mutually , the agreement will prevail in case of any conflict ; the agreements such as " reserve auto ownership " , " set auto hypothec " in installments auto sales contract are the effective instruments of insurer to control risk , determine the paying scope of insured , is the foundation of the insurance policy , the insurer will be entitled to use it as the reason for exemption and subtraction of responsibilities 其次，介绍和分析了分期付款购车保险合同的内容，包括保险合同当事人、保险标的和保险利益、除外责任、保险期限、保险金额和保险费、赔偿处理、被保险人义务、争议的处理等，并一一作了评析。再次，探讨了保险合同的解除问题。着重分析保险人解除权的条件、行使期限、行使方法和效果，解除权的阻却，探讨了保险合同解除的溯及既往效力。
According to " matter right law " , hypothec has two kinds of state : it is ought to ought to deal with guaranty to register , if be not dealt with , register , this guaranty contract not become effective ; 2 do not need to deal with guaranty to register lawfully , hypothec mortgages be established when contract become effective oneself ; without registering , do not get antagonism kindness the 3rd person 依照《物权法》 ，抵押权有两种情形：一是应当应当办理抵押登记的，假如不办理登记，该抵押合同不生效；二是依法不需要办理抵押登记的，抵押权自抵押合同生效时设立；未经登记，不得对抗善意第三人。
Estate guaranty is the estate that shows guaranty person offers his to be had legally to hypothec person or estate right , fulfill debt on schedule with transferring the kind that have to regard as ( include to remand loan ) assure , when cannot fulfill debt on schedule , hypothec person has right lawfully punish pawn , preferential the civil action that gets repaying 房地产抵押是指抵押人向抵押权人提供其合法拥有的房地产或房地产权利，以不转移占有的方式作为按期履行债务（包括归还贷款）的担保，在不能按期履行债务时，抵押权人有权依法处分抵押物，并优先得到偿还的民事行为。
