The mortagage of presold merchandise buildings refers to the behaviors that the buyers mortagage the abuilding buildings to the lenders as the guarantee to pay their debts after they pay part of the price while the lenders will pay the rest of the price . the writer also points out the origin , characteristic and function of the mortagage of presold merchandise buildings 首先，本文概括地论述了预售商品房抵押制度，认为预售商品房应当定义为，指购房人在支付首期规定的房价款后，由贷款银行代其支付其余的购房款，将所购的尚未建成的商品房抵押给银行作为偿还贷款履行担保的行为。
