Equity related loans are loans convertible into equity ownership or loans collateralized with equity positions. The pledge contract shall become effective upon the delivery of the document of title.

Equity related Loan Equity related loans are loans convertible into equity ownership or loans collateralized with equity positions.

股权相关贷款是指可转换为股权的贷款，或可以以股权作抵押的贷款。

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in 1998, china has suspended the housing allocation policy, the housing mortgage loans as the main form of urban residents to purchase housing, which is to purchase a house as collateral to bank loans to housing credit modes.

1998年我国停止住房分配政策之后，住房抵押贷款成为城市居民购买房屋的主要方式，这是一种以所购买的房屋为抵押向银行借款的住房信贷模式。

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secondly, set up registration legal system of property rights of rural residents. thirdly, set up rural residents housing mortgage right. fourth, set up the system of statutory tenancy rights in rural land.

其次，建立农村居民房屋产权登记法律制度；再次，设定农村居民房屋抵押权、建立宅基地法定租赁权制度实现农村居民房屋的抵押。

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after the lease contract is registered and recorded, where repetitive pre-leasing occurs, or the house is transferred during rent or lease, or the house is at disposal after it was mortgaged, the contract can be used to conflict with the third party.

租赁合同经登记备案后，当发生重复预租、出租、租赁期间房屋转让或设定抵押后被处分等事实时，可以对抗第三人。

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

按揭购房是以房屋本身设立抵押权为保证的。

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the house could not be further encumbered by a home-equity loan until the government mortgage is fully paid off;

此外，房屋在政府抵押全部付清时，才能由住房产权贷款来负担。

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these have made housing reverse mortgages as a new financial products, may result in the real estate market, insurance market and the capital market a new model of joint operations.

这些都使得房屋反向抵押贷款作为一种新兴的金融产品，有可能促成房地产市场、保险市场和资本市场联合运营的新模式。

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also lending strength to the market is the fact that much of the shadow inventory homes in the foreclosure pipeline or those with seriously delinquent mortgages has been sharply reduced.

此外，影子库存（止赎房屋以及抵押贷款严重违约的房屋）大幅减少也是市场提振因素。

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such as american and english so on, the housing reverse mortgage system is mature, including the product type and the power of the government support.

介绍了比较有代表性的美国、英国、加拿大和新加坡等国家的房屋反向抵押的运作实践，主要论述了这些国家的产品类型和政府在开展房屋反向抵押过程中的作用。

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firstly the author analyses the existing laws and draw a conclusion that develops the necessity of the "housing reverse mortgage law".

笔者首先对我国的现行法律进行了分析，得出制定《房屋反向抵押法》的必要性。

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the housing reverse mortgage system is the outcome that the economic society develops to the certain stage. it needs the government supports.

指出房屋反向抵押制度是经济社会发展到一定阶段的产物，其发展离不开政府的支持。

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the character of the underlying indemnity right of a building-project constructor remains uncertain, and also there is no regulation on a possible effect collision between real estate mortgage guarantee and in-building housemortgage;

建筑工程承包人优先受偿权的性质不明，且与在建房屋抵押权的效力冲突未规定；

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to take one example, at the end of 2006, household mortgage debt was 126 per cent of disposable income, against a mere 104 per cent in the us.

例如，2006年底，英国家庭房屋抵押贷款负债相当于可支配收入的126%，而美国仅为104%。

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the government program has two parts. one involves buying groups of loans, like home mortgages. the second involves buying securities or financial investments tied to loans.

这项政府方案包括两个部分，一个是购买房屋抵押之类的团体借贷，一个是购买有价证券或与借贷有关的金融投资。

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this week, my administration announced that we're extending a program to help more responsible families modify their mortgages so they can stay in their homes.

本周政府宣布实施一项计划，帮助更多负责任的家庭调整房屋抵押贷款保留其房产。

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multiple federal agencies oversee the financial system: five for banks alone, and one each for securities, derivatives and the government-sponsored mortgage agencies.

多家联邦政府机构监管金融系统&仅针对银行监管的就有五家，对于证券、衍生品和政府支持的房屋抵押贷款机构各有一家。

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real estate developers, buyers and banks, the three parties of real estate market, all obtained benefits from housing mortgage loan insurance.

房地产市场的三大参与者开发商、购房者、银行，均因房屋抵押贷款保险的出现而得到了益处。

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because its cash flow is the contrary of mortgage, it is called the housing reverse mortgage.

因为其现金流的方向与普通的房屋抵押相反，故被称为反向抵押。

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the majority of the debt is issued in support of farm credit and home mortgages.

发行的债务主要用于农业贷款和房屋抵押。

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subprime crisis is also called subprime mortgage crisis or subprime lending crisis.

次贷危机又称次级房贷危机或次级贷款危机，是次级房屋抵押贷款危机或次级按揭贷款危机的简称。

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