房抵知识名词解释大全
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_gif/Dgnb7KE7eibKtJNWdMhSERelERImHWw7qf1nUYG2nnMVOYVusEIZ7NKarS7Hyakp4NX9K8GywfEWvzaIwZHo9XA/640?wx_fmt=gif&tp=webp&wxfrom=5&wx_lazy=1" style="width: 50%; margin-bottom: 20px;"></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">1、</span>什么是房产抵押贷款？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">房产抵押贷款<span style="color: black;">指的是</span>贷款申请人<span style="color: black;">经过</span>自己<span style="color: black;">持有</span>的<span style="color: black;">或</span>是第三者<span style="color: black;">持有</span>的房产<span style="color: black;">做为</span>抵押，向金融<span style="color: black;">公司</span>或个人获取贷款的一种方式，其中向银行等金融<span style="color: black;">公司</span>申请抵押贷款，<span style="color: black;">必须</span><span style="color: black;">供给</span>稳定的收入<span style="color: black;">源自</span>，且<span style="color: black;">必要</span>有<span style="color: black;">知道</span>的贷款用途，<span style="color: black;">不可</span>够用于法律明令禁止的<span style="color: black;">有些</span>事情。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">2、</span></span></strong></span><strong style="color: blue;"><span style="color: black;">什么是房产<span style="color: black;">评定</span>？</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">房产<span style="color: black;">评定</span>其实<span style="color: black;">便是</span>对房地产进行估价，<span style="color: black;">详细</span>的说，<span style="color: black;">便是</span>由专业人员<span style="color: black;">按照</span>估价目的，遵循估价原则，<span style="color: black;">根据</span>估价程序，运用估价<span style="color: black;">办法</span>，在综合分析影响房地产价格<span style="color: black;">原因</span>的<span style="color: black;">基本</span>上，结合估价经验及对影响房地产价格<span style="color: black;">原因</span>的分析，对房地产的特定权益，在特<span style="color: black;">按时</span>间最可能实现的<span style="color: black;">恰当</span>价格所作出的估计、推测与判断。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">3、</span></span></strong></span><strong style="color: blue;"><span style="color: black;">什么是担保人？</span></strong></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">担保人，从广义的<span style="color: black;">方向</span><span style="color: black;">来讲</span>，指的是对某项事务或者事件作出<span style="color: black;">必定</span><span style="color: black;">保准</span><span style="color: black;">行径</span>的人。例如在债权债务等方面的担保，担保人则<span style="color: black;">详细</span><span style="color: black;">指的是</span><span style="color: black;">拥有</span>代为清偿<span style="color: black;">或</span>还清票据债务能力的法人或其他组织<span style="color: black;">或</span>个人。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">4、</span>什么是他项权证?</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">房屋他项权证指在他项权利登记后，由房管<span style="color: black;">分部</span>核发、由抵押权人持有的权利证书。《房屋他项权证》是房屋产权登记机关<span style="color: black;">颁布</span>给抵押权人<span style="color: black;">或</span>典权人等他项权利人的法定凭证。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">5、</span>什么是自愿迁出承诺书？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">倘若</span>借款人对《抵押借款合同》所约定的内容<span style="color: black;">显现</span>违约<span style="color: black;">状况</span>，在出借人<span style="color: black;">按照</span>该合同约定行使抵押权或对抵押物行使处分权时，房屋产权人及产权共有人<span style="color: black;">保准</span>无<span style="color: black;">要求</span>迁出并腾空该房屋，或<span style="color: black;">保准</span>该房屋<span style="color: black;">实质</span><span style="color: black;">运用</span>人（或承租人）不得以承租期限未到期或无住所等任何理由拒绝腾空。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">6、</span>什么是完全产权？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">完全产权房,即<span style="color: black;">根据</span><span style="color: black;">相关</span>规定出售的房屋。完全产权房与有限产权房屋相对应,有限产权房屋<span style="color: black;">包含</span>联建公助房,单位<span style="color: black;">补助</span>出售的商品房，拆迁<span style="color: black;">赔偿</span>的调换产权房。完全产权房<span style="color: black;">亦</span><span style="color: black;">便是</span>大产权房，国家发产权证。如<span style="color: black;">研发</span>商办理合法的立项<span style="color: black;">研发</span>手续后，办理土地出让手续并按规定上缴给国家土地出让金和<span style="color: black;">运用</span>税(费)，由国家发放给<span style="color: black;">研发</span>商土地<span style="color: black;">运用</span>证和房屋预售许可证,<span style="color: black;">这般</span>的房屋<span style="color: black;">叫作</span>为大产权房屋。而国家不发产权证的,由乡镇政府发证书的叫小产权。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">7、</span>什么是完税？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">在交清契税税款时，收税机关出具<span style="color: black;">关联</span>的凭证，以证明该房产为已税房，<span style="color: black;">倘若</span><span style="color: black;">无</span>交纳契税的（免征除外）房地产登记<span style="color: black;">分部</span>是<span style="color: black;">没法</span>核发产权登记证书的，并不是付完房款就<span style="color: black;">能够</span>取得完税证明，在中华人民共和国境内转移土地、房屋权属，承受的单位和个人为契税的纳税人应当<span style="color: black;">按照</span>本条例的规定缴纳契税。契税的纳税义务<span style="color: black;">出现</span>时间，为纳税人<span style="color: black;">签定</span>土地、房屋权属转移合同的当天，<span style="color: black;">或</span>纳税人取得其他<span style="color: black;">拥有</span>土地、房屋权属转移合同性质凭证的当天，纳税人应当自纳税义务<span style="color: black;">出现</span>之日起10日内，向土地房屋所在地的契税征收机关办理纳税申报并在契税征收机关核定的期限内缴纳税款，纳税人办理纳税事宜后契税征收机关应当向纳税人开具契税完税凭证。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">8、</span>什么是非<span style="color: black;">独一</span>住房声明？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">非<span style="color: black;">独一</span>住房声明指<span style="color: black;">必须</span>你出具声明，证明用于抵押的这套房子不是你<span style="color: black;">独一</span>的住房，你在其他<span style="color: black;">地区</span>还有住房。<span style="color: black;">通常</span>金融<span style="color: black;">公司</span>怕借款放出去后，客户违约不还款，<span style="color: black;">必须</span>把用于抵押的房子抵债。<span style="color: black;">然则</span>法律规定，<span style="color: black;">倘若</span>仅有一套住房，申请抵押流程将会<span style="color: black;">繁杂</span><span style="color: black;">非常多</span>。<span style="color: black;">因此</span>金融<span style="color: black;">公司</span>为了能按时收回贷款降低<span style="color: black;">危害</span>，加快流程时才会让借款人出具该声明。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;"><span style="color: black;">9、</span>什么是回执单？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">房产证抵押回执单<span style="color: black;">指的是</span>办证机关收取申请人的资料<span style="color: black;">名单</span>，<span style="color: black;">亦</span>算是一种收条和领证的凭据。办完抵押的时候，房管局就会出具一份回执单。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">十、什么是民事调解书？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">民事调解书<span style="color: black;">指的是</span>人民法院审理民事案件的过程中，<span style="color: black;">按照</span>自愿和合法的原则，在查清事实、分辨是非<span style="color: black;">基本</span>上，<span style="color: black;">经过</span>调解<span style="color: black;">促进</span>当事人达成协议而制作的法律文书。民事调解书是人民法院常用的重要的司法应用文之一，<span style="color: black;">拥有</span>法律效力。它既是当事人协商结果的记录，又是人民法院予以<span style="color: black;">准许</span>的证明，<span style="color: black;">亦</span>是当事人<span style="color: black;">按照</span>执行的<span style="color: black;">按照</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">十<span style="color: black;">1、</span>什么是收入证明？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><span style="color: black;">所说</span>收入证明，其实<span style="color: black;">便是</span>在<span style="color: black;">平常</span>经营活动中，对个人的经济收入出具的一份证明文件。<span style="color: black;">通常</span>在办理签证，贷款等都要出具的对经济收入的证明。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">十<span style="color: black;">2、</span>什么是连三累六？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">连三<span style="color: black;">指的是</span>连续3个月逾期还款；</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">累六<span style="color: black;">便是</span>累计6次逾期还款；</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">连三累六是连三与累六的合<span style="color: black;">叫作</span>，<span style="color: black;">指的是</span>贷款人2年内连续3个月<span style="color: black;">或</span>累计6次逾期还款；</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">连三累六是金融<span style="color: black;">公司</span>审核和批贷款的时候，考量信用<span style="color: black;">状况</span>的通俗说话，是对借款人过往还款记录的一个判断标准。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">十<span style="color: black;">3、</span>什么是呆账和坏账？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">1、呆账：<span style="color: black;">所说</span>呆帐<span style="color: black;">指的是</span>债务到期后,本金或利息经过<span style="color: black;">最少</span><span style="color: black;">一月</span>后仍未偿付，<span style="color: black;">处在</span><span style="color: black;">呆板</span><span style="color: black;">情况</span>但尚未确定为坏帐的应收、暂付款项。它<span style="color: black;">做为</span>一项资产反映在各年的资产负债表上，<span style="color: black;">况且</span><span style="color: black;">亦</span>不需计提坏账准备。</p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;">2、坏账：<span style="color: black;">所说</span>坏帐<span style="color: black;">指的是</span>经认真核实，确认<span style="color: black;">没法</span>收回的贷款，<span style="color: black;">包含</span>因借款人被依法宣告破产，经清算后仍<span style="color: black;">没法</span>还清的贷款；借款人死亡或宣告死亡，以其财产或遗产清偿后仍<span style="color: black;">没法</span>还清的贷款；借款人遭受特大自然灾害或意外事故，损失巨大，即使获保险<span style="color: black;">赔偿</span>，仍<span style="color: black;">没法</span>还清的贷款；经国务院专案<span style="color: black;">准许</span>核销的贷款。</p>呆账和坏账有区别，区别是：三年以上既不<span style="color: black;">增多</span><span style="color: black;">亦</span>不减少的<span style="color: black;">没法</span>收回的往来账，并且不能确定将来<span style="color: black;">是不是</span>能收回的往来账，应该确定为呆帐；<span style="color: black;">已然</span>确定<span style="color: black;">不可</span>收回的往来账，应该确定为坏账。”
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">十<span style="color: black;">4、</span>什么是罚息和展期？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">罚息<span style="color: black;">便是</span><span style="color: black;">不可</span>按期偿还贷款本息的，按中国人民银行<span style="color: black;">相关</span>规定计收利息。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">展期<span style="color: black;">指的是</span>借款人在向金融<span style="color: black;">公司</span>行申请并<span style="color: black;">得到</span><span style="color: black;">准许</span>的<span style="color: black;">状况</span>下，延期偿还贷款的<span style="color: black;">行径</span>。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">十<span style="color: black;">5、</span>什么是抵押权人、抵押人、债务人？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">抵押权人：即债权人，如银行等金融<span style="color: black;">公司</span>或接受抵押的单位、个人。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">抵押人：即房屋登记簿记载的所有权人。（若为法人或其他组织需加盖行政公章）</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">债务人：使自己受约束和受他人的债务证书约束的人，即主债权合同中的债务人。（若为法人或其他组织需加盖行政公章）</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">十<span style="color: black;">6、</span>什么是债务履行期限？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">即主债权合同中约定的债务履行期限，最<span style="color: black;">巨额</span>抵押填写债权确定<span style="color: black;">时期</span>，若当事人双方无约定则记载为无约定。</span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;"><strong style="color: blue;"><span style="color: black;">十<span style="color: black;">7、</span>什么是担保范围？</span></strong></span></p>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><span style="color: black;">即抵押合同中约定的担保范围，<span style="color: black;">能够</span>是主债权及其利息、违约金、损害赔偿金、保管担保财产和实现担保物权的<span style="color: black;">花费</span>等，抵押合同未约定的填写未约定的事实。</span></p><span style="color: black;">END</span><span style="color: black;"><span style="color: black;">源自</span>：网络</span><span style="color: black;">编辑：李瑞琳</span><span style="color: black;">审核：魏文渊</span><span style="color: black;">版权声明：</span><span style="color: black;">凡注明<span style="color: black;">源自</span>于本公众号的所有作品均为本公众号合法<span style="color: black;">持有</span>版权或<span style="color: black;">运用</span>权的作品，转载请注明出处。</span><span style="color: black;">未注明<span style="color: black;">源自</span>于本公众号的所有作品属于<span style="color: black;">关联</span>权利人所有，本公众号宣发仅</span><span style="color: black;">用于学习交流，<span style="color: black;">不消</span>于<span style="color: black;">商场</span>目的。</span><span style="color: black;">因客观<span style="color: black;">原由</span>，如有<span style="color: black;">欠妥</span><span style="color: black;">运用</span>之处，请<span style="color: black;">关联</span>权利人<span style="color: black;">即时</span>联系<span style="color: black;">咱们</span>删除，感谢您的支持。</span>
<p style="font-size: 16px; color: black; line-height: 40px; text-align: left; margin-bottom: 15px;"><img src="https://mmbiz.qpic.cn/mmbiz_jpg/Dgnb7KE7eibKtJNWdMhSERelERImHWw7qFl8ytKrK0iaibnWDacuKiaI3acuNWdUnf1wPjDv9dzZViclAtUgXLG2UUQ/640?wx_fmt=jpeg&tp=webp&wxfrom=5&wx_lazy=1&wx_co=1" style="width: 50%; margin-bottom: 20px;"></p>
软文发布平台 http://www.fok120.com/ 感谢楼主分享，祝愿外链论坛越办越好！ 感谢楼主的分享！我学到了很多。 祝福你、祝你幸福、早日实现等。 对于这个问题，我有不同的看法...
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