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房子质押贷款的本质如何
释义
律师分析:
房屋质押贷款的本质是指用客户已经拥有可以上市流通的商品房屋用以抵押给银行贷款的品种。
【法律依据】:
《城市房地产抵押管理办法》
第四条 已依法取得的房屋所有权抵押的,该房屋占用范围内的土地使用权必须同时抵押。
第五条 房地产抵押,应当遵循自愿、互利、公平和诚实信用的原则。
依法设定的房地产抵押,受国家法律保护。
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更新时间:2025/3/16 4:45:00