抵押
...与再生产过程中主要职能的公司对于资金的需求也大为膨胀,当时普通法所能提供的担保方式有适用于不动产或动产的让与抵押(mortgage)以及适用于动产的质权(pledge),这些担保方式并不能满足公司提供担保的需要。
按揭
在英美法上 ,按揭 (mortgage)是一种单一的担保方式 ,它在法律属性方面不同于大陆法上的抵押和质押 ,却类似于其让与担保。
抵押贷款
... mattress 床垫 mortgage 抵押贷款 ornament 装饰品 ...
房贷
房贷(Mortgage)支出比率(房贷/每月总收入(Total income)):按揭占每月开支的比例。
抵押贷款 ; 按揭贷款 ; 住房抵押贷款
次贷危机 ; 危机 ; 次级抵押贷款危机 ; 次级房贷
第一抵押权 ; 第一按揭 ; 第一抵押贷款
A mortgage loan, also referred to as a mortgage, is used by purchasers of real property to raise money to buy the property to be purchased or by existing property owners to raise funds for any purpose. The loan is "secured" on the borrower's property. This means that a legal mechanism is put in place which allows the lender to take possession and sell the secured property ("foreclosure" or "repossession") to pay off the loan in the event that the borrower defaults on the loan or otherwise fails to abide by its terms. The word mortgage is derived from a "law French" term used by English lawyers in the middle ages meaning "death pledge", and refers to the pledge ending (dying) when either the obligation is fulfilled or the property is taken through foreclosure.Mortgage borrowers can be individuals mortgaging their home or they can be businesses mortgaging commercial property (for example, their own business premises, residential property let to tenants or an investment portfolio). The lender will typically be a financial institution, such as a bank, credit union or building society, depending on the country concerned, and the loan arrangements can be made either directly or indirectly through intermediaries. Features of mortgage loans such as the size of the loan, maturity of the loan, interest rate, method of paying off the loan, and other characteristics can vary considerably. The lender's rights over the secured property take priority over the borrower's other creditors which means that if the borrower becomes bankrupt or insolvent, the other creditors will only be repaid the debts owed to them from a sale of the secured property if the mortgage lender is repaid in full first.In many jurisdictions, though not all (Bali, Indonesia being one exception), it is normal for home purchases to be funded by a mortgage loan. Few individuals have enough savings or liquid funds to enable them to purchase property outright. In countries where the demand for home ownership is highest, strong domestic markets for mortgages have developed.