| 1. | It is in the common interest of mortgagees and mortgagors that the latter understand their rights and obligations
让按揭人充份了解其权利及义务，对承按人及按揭人双方都有利。 |
| 2. | Equally important , the model documents aim at striking a fair and balanced relationship between the borrowers , the mortgagors and the lenders
同样重要地，整套标准按揭文件旨在订明贷款人按揭人及按揭贷款银行之间均衡的权利与责任。 |
| 3. | The guarantor s liability will also be capped at the amount which the borrower mortgagor is owing to the mortgage lender on expiry of the 1 - month notice period
担保人的责任也会以该1个月通知期届满时借款人按揭人欠按揭贷款人的款额为上限。 |
| 4. | 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，对按揭权的实现，按揭人利益的保护，按揭纠纷的处理等实践问题进行评析。 |
| 5. | Most mortgage deeds typically used by the mortgage lenders provide that the mortgagor is liable for " all costs and expenses " irrespective of whether or not they are reasonably incurred by the mortgage lenders
按揭贷款人使用的大部分按揭契据一般规定按揭人须对所有费用与开支负责，而不论按揭贷款人是否合理地招致有关费用与开支。 |
| 6. | The risk that comes from the realty agency really exists and the realty agency always goes wrong indeed , so it ' s a character for the realty agency to take the responsibility of guarantee in the mainland of china . in connection with this p
其次，既然楼花在开发建设中一直在开发商控制之下，那么实务中让按揭人就楼花毁损灭失进行投保是有失公平的，应该由开发商投保。 |
| 7. | In view of the above , the model mortgage deed does not contain a stand - alone " on demand " clause , and the relevant provisions tie the right of the mortgage lender to demand immediate repayment from the mortgagor to the specified events of default
有见及此，标准按揭契据并没有独立的按要求随时还款条款。按揭贷款人可要求按揭人即时还款的权利只与特定的违约事件挂。 |
| 8. | It is to show the property right that mortgages person general property is made over at mortgaging beneficiary beneficiary ( bank ) assure as reimbursement , after reimbursement , mortgage beneficiary beneficiary to transfer the property right of property answer mortgage a person
它是指按揭人将物业的产权转让于按揭受益人（银行）作为还款保证，还款后，按揭受益人将物业的产权转让回给按揭人。 |
| 9. | 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，以现代商业银行经营的安全性、盈利性和流动性角度来看，住房抵押贷款仍存在一些缺陷：一是银行贷给按揭人的资金是银行对储蓄者的负债。 |
| 10. | The full set of model documents is drafted in plain english to further enhance understanding by their users , i . e . borrowers , mortgagors and the mortgage lenders themselves , while at the same time exemplify the best market practice in mortgage loan origination advocated by the steering committee
整套标准按揭文件均以浅白英文编写，务求使用者，包括借款人按揭人及按揭贷款银行，清楚理解其内容，而标准文件亦同时体现了统筹委员会倡导的最佳运作模式。 |
