Due to these additional safeguards , the hkmc has decided to charge the same insurance premia for equitable mortgage loans as those for the standard mortgage loans 技术说明文件内。基于这些额外的保障机制,按揭证券公司决定向楼花按揭贷款收取与标准按揭贷款相同的保费额。
Then , the thesis inquires into the main process of louhua mortgage creation and juridical relation involved in the practice of louhua mortgage , and public summons of louhua mortgage 接着,论述了楼花按揭设定的基本过程及楼花按揭中涉及到的法律关系,并对楼花按揭的公示进行了分析。
To prepare for the launch of the product , the hkmc will conduct a series of briefing and training sessions for the approved sellers to help them familiarize with the new product 为配合楼花按揭保险的推出,按揭证券公司将会为核准卖方举行一连串研讨会及培训活动,协助它们更深入了解新产品的详情。
Firstly , it discusses the concept and characteristic of louhua mortgage and deems louhua mortgage a kind of real estate mortgage on the basis of further analyzing and probing into legal characteristic of louhua mortgage 文章第二部分论述了楼花按揭制度的基本理论。首先,论述了楼花按揭的概念和特征。
The survey has also shown that the banks have adopted appropriate underwriting criteria to address the project completion risk , borrower default risk and liquidity risk of equitable mortgage loans 该调查发现银行已采取适当的贷款准则,以处理楼花按揭涉及的项目完成风险借款人信贷风险及楼宇买卖流动性风险。
Mortgage , a way of purchasing house through circulating money with the bank and widely practised in developed countries and areas is characterized by providing what is purchased as the guarantee of the loan 楼花按揭是世界发达国家和地区广为流行的一种以在建或未建的预购商品房作为担保取得银行贷款的融资购楼方式。
In the third part , the paper , first of all , presents a brief account about the basic procedure of establishing the mortgage and its contents of the contract so as to better the mortgage system 第三部分首先就目前的实际操作概述了楼花按揭设定的基本程序和楼花按揭贷款合同的基本内容,并以之作为完善楼花按揭预设的前提。
However , it is not known to the domestic people about the legal and operating mechanism of this system . and there appears a series of intractable legal issue and disputes during the process when such a system is put into practices 然而,国内许多人士对楼花按揭制度的法律机理和运作机制还不甚了解,且在我国城镇商品房楼花按揭的实践中,出现了一系列的法律问题和纠纷难以解决。