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2002420025OnthelegalissuesofMortagageofrealestateDF521MortagageBecauseoftheimportanceofrealestate,withthefastdevelopmentofeconomy,ithasgotincreasedandobviousvalue.Sincetherealestatecannotbetransferredandhiden,themortagageofrealestategivesthefufillmentofdebtmorefilmlyguarantation.And,themortagageofrealestatecanfilmlyenhancethedevelopmentofeconomy.Butbecauseofthedifferentmodusoperandieitherinthetheoriticalfieldandinreality,thereserchofthissubjecthasgotmoreimportant.Thisarticlecontainsfiveparts:Sectionone,thescopeoftheobjectsofmortagageofrealestateisdiscussed.Thegeneralscopeofobjectisaboutthemortagageofusfructofsuperficiesandoftheownershipoftenement.Thesecond,somespecificobjects(partofthebuildings,buildingsunderconstuction,presoldtenement,buildingwithoutusfructofsuperficiesandothers)arediscussed.Thethirdissomeexceptionsoftheobjectsofmortagageofrealestate.Inthissection,wefindthatillegalbuildingsandpivatebuildingsinthecountrysideshouldnotbemortagaged.Throughtheresearchofthispart,thescopeofobjectsonwhichcanbemortagagedisdefined.Sectiontwo,thecontractofrealeatateandregistration.Theformationofrealeatatemortgageisformaljuristicactwhichrequireswrittencontrctform.Inmyopinion,thecontractshouldbevalidifmortgagorhastheabilitytoactandtherightetodispose,andifthecontractdoesn’tgoagainstthetrueintentionoftheparties,thelawandthepublicinterest.Therealestatemortgageistherightinrem,whichshouldberegisteredandrequirepublicsummon.Inthissection,theauhordiscussesthefollowingproblems:thesequenceandthelegaleffectsoftherealestatemortgageregistration,thelegaleffectsofwrongormissedorcancelledwronglyrealestatemortgageregistration,andtheregistrationbodyandregistrationprocedure..Finally,theauthorsuggeststhatthesystemshouldchangefromtheseparationofhouseadministrationandrealestateadministrationtotheuniformadministrationofhouseadministrationandrealestateadministration,whichrequiresthesamecertificationofboththerighttouselandandrealestate.Sectionthree,thelegaleffectsofrealestatemortgage.Partoneislegaleffectofthescopeofthevalidityinwhichmortgageafectsonthecreditor'srightswhichbeguaranteed,incldingtheformercreditor'sright,interest,breachofcontractdamages,damagesandthefeeofimplementingthemortgage.Parttwoisthelegaleffectofrealestatetowardthesubjectmatter,includingtheestateundermortgage,accessorything,interest,thingconnected.Partthreeisthelegaleffectofrealestatetowardmortgagor,includingtherighttodisposeofestateundermortgageandtherighttobenefitfromestateundermortgage.Herediscussestheprolemoftransferofestateundermortgage,ofremortgageandovermortgageofrealestate.Partfouristhelegaleffectofrealestatetowardmortgagee,includingtherightwhichthemortgagorhaswhenthevalueofestateundermortgagedecreases,therighttotransfer,therightofliquidationorderofthemortgagor,thepriorityofclaimofthemortgagor.Insectionfour,theissueofrealizationofmortagageofrealestateisdisscussedmostlyintwopoints.Thefirstisthepremissofrealizationofhypothecaofrealestate,includingtheeffectiveexistionofcreditor’srights,thedebtgetstothetimelimitoffufilment,thedelaymentorrejectionoffufillment,theexistionofhypothecashouldbeeffectandothercauses.Thesecondisthequomodoofrealizationofthehypothecaofrealestatesuchasthecovertionintomoney,selloff,auction.Andmoreattentionisbepaidtotheauctionofthenewlyaugmentedpartsofbuildingsundermortagageandthatintherealizationofhypothecaunderthemortagageenactedonusfructofsuperficiesonstateownedland.Partfive,istheconsummationforthesystemofmortagageofrealestate.Firstlyistoenactthestandardizationofcollateralloansystem,constitutingtheuniformlawsofcollateralloansystem.Thefirstpointistoconstitutesomekindofcompleted,scientificandenactablemanagementsystemofcollateralloan,whilethesecondpointistoenforcetheedificationofthestaffinthebank,eliminatingorreducingmanmadelosses,standardizingthebehaviorofcreditoremployees.Secondlyistoconstitutethetwo-layeredmarketofmortagageofrealestate,enhancingtheagilityofmortagage,thefluxionoffundofmortagage,andthedevelopmentoforiginalmarketofmortagage.Thirdlyistosetupthesystemofassuranceofmortagage,avoidinglossoffundbymeansofconnectionbetweenassuranceandmortagageofrealestate.Thehypothecaofrealestateisthemosttypicalandimportanthypotheca.Nomatterwhateffortarepaidtothissubject,becauseoftheprofoundedtheoryandthelessofpractice,theresearchofthistopicmustbesuperficial.However,theimportantistogetsomeepistemeofthisarea,andthedoubtsandthelosswillenhancemorein-depthresearchinthefuture.57····················································································································································································································································································································································································································································································································································································································