按揭购房

此解释第五条和第十条对离婚时一方婚前按揭购房的归属及增值作出了规定。

This explained fifth and tenth of the divorce party premarital mortgage purchase ownership and value added provisions .

此外，中国房地产市场的杠杆比率远低于美国，银行向按揭购房者要求的首付比例很高。

Moreover , the market is much less leveraged than the US , with banks asking for substantial initial down-payments from mortgage customers .

按揭购房是以房屋本身设立抵押权为保证的。

The meaning and legal characteristics of mortgage ; purchasing house by means of mortgage is guaranteed by hypothec of the target house .

这一下降主要体现为按揭购房者的数量减少，而后者正是传统的首次置业者数量下滑的结果。

This fall has been chiefly in the number of owners with mortgages a result of the decline of the traditional first-time buyer .

居民贷款按揭购房，切莫轻视房产保险，通过参加房产保险才能切实使置业投资免除后顾之忧。

When citizens buy houses on mortgage , they must not ignore the insurance in housing , though which they could indeed avoid worries in housing in the future .

在中国按揭购房现在已经是普通家庭购房付款方式的常态。

Mortgage purchase in China is nothing new now , as house prices make a spurt of progress , mortgage purchase has become a common household purchase payment norm .

此外，由于房产的价值越来越大和按揭购房的家庭逐渐增多，按揭房产纠纷成了离婚案件中的重要焦点。

In addition , the increasing value of the real estate and mortgage buyers family gradually increased , mortgage real estate disputes is an important focus in divorce cases .

另外，中国北方的购房者喜欢用现金支付，而在南方，按揭购房现象则远为普遍，这使得（南方）市场更容易受到贷款限制和经济增长放缓的影响。

Moreover , while northern Chinese housebuyers like to pay in cash , mortgages are much more common in the south , which makes the market more vulnerable to credit restrictions and slowing growth .

随着房价的步步高升，很少有人能在购房时一次性付清全部购房款，因此，按揭购房就成为绝大多数工薪阶层的理想选择。

As price of houses rising enormously , few people can purchase a one-time payment in full for a house . Therefore , mortgage buyers becomes the ideal choice for the majority of working-class .

伴随着市场经济的发展，房产价格一路飙升，按揭购房已经成为大多数购房者所选择的最普遍的购房方式之一，成为商品房买卖的主要形式。

Along with the development of market economy , real estate prices have soared , mortgage house property has become one of the common choice to most of buyers , become the main form of sale of real estate .

由于我国近些年针对住房快速增长的消费与投资需求，导致房价持续快速上涨，贷款购房者逐渐增多，其中按揭购房更是成为我国居民的首要购房方式。

Because of the rapid growth in recent years for the housing consumption and investment demand , leading to rapid increases in house prices , gradually increasing loans to home buyers , and the mortgage is the first way to purchase in our country .

但我国相关法律对按揭购房的规定尚不健全，导致在实践操作中，各方主体都面临较大的风险，而无防范措施，致使按揭贷款法律关系中各方主体利益得不到切实保障。

However , the mortgage-related provisions of the law is not perfect , resulting in practical operation , the main parties are facing greater risk , without preventive measures , resulting in the legal relationship of mortgage loans are not effectively protect the interests of the Parties in .

即使是第一次按揭，购房者在买第二套房时也必须首付50%。

Buyers must make at least a50 % down payment on a second home , even if it is their first mortgage .

该公司说，将向那些现金支付房款的购房者提供额外5%的折扣，向在5月31日前签约的购房者提供3%的折扣，向那些不需要二次按揭的购房者提供2%的折扣。

The company said it would offer additional 5 % discounts to those who paid in cash , 3 % to anyone who signs a contract before May 31 and 2 % for those who don 't need a second mortgage to finance the purchase .

欧洲法院（EuropeanCourtofJustice）作出的裁决赋予了西班牙法庭新的权力，可以推迟或者停止驱逐拖欠按揭还款的购房者。

The decision by the European Court of Justice will give Spanish courts new powers to delay or freeze the eviction of home buyers who have fallen behind on their mortgage payments .

最后，分析了楼花按揭所牵涉的各个法律关系，认为真正的楼花按揭法律关系只是购房人与银行之间的按揭贷款关系，按揭当事人只有购房人（按揭人）与银行。

Thirdly , on the basis of analyzing the legal nexus that is involved , the paper points out that the legal nexus of the mortgage is just between the mortgagor and the mortgagee .