按揭( mortgage )是指以房地產等實物資產或有價證券、契約等作抵押擔保給定的債務的履行或其他義務的解除而進行的轉移和讓度，在擔保責任中，債務人應履行將一定的財産的擁有權利轉移給債權人，一旦債務人不履行合同時債權人有權獲得擔保財産的所有權。
一般來說，可以作為按揭抵押的財産有以下幾種：
一，建設用地使用權；
二，建築物和其他土地附著物；
三，以拍賣、招標、公開協商等方式取得的荒地等土地承包經營權；
四，交通運輸工具；
五，生產設備、原材料、半成品、產品；
六，正在建造的建築物、船舶、航空器；
七，法律、行政法規未禁止抵押的其他財產。
在清償債務和履行義務完結後，債務人可即時收回抵押物和擔保。在香港，按揭有廣義和狹義之分，廣義按揭包括任何形式的抵押，狹義按揭是不包括抵押的。抵押和按揭是有區別的，但它們均以轉移佔有為條件。
What is mortgage?
Mortgage is considered a security interest in real property held by a lender as a security for a debt, usually a loan of money. A mortgage is the transfer of an interest in property to a lender as a security for a debt – usually a loan of money. While a mortgage in itself is not a debt, it is the lender’s security for a debt, on the condition that this interest will be returned to the owner when the mortage terms have been performed, in the other hand, Mortgage is also a security for loan.
Mortgages are stronly associated wih real estate in most of jurisdictions. Some jurisdictions only land may be mortgaged. A mortgage is the standard method by which businesses and individuals can purchase real estate without paying the full value immediately from their own resources. The mortgage loan is for residential mortgage lending, the commercial mortgage is for lending against commercial property.
What is interest rate?
An interest rate is the rate at which interest is paid by a borrower for the use of money that they borrow from a lender. Sometimes, businesses and individuals borrows captial from a loaner or a bank for their cash flow problems, when they return the money back, they need to pay interest at a preapproved interest rate for deferring the use of funds and instead lending it to the borrower. The interests rates are should be predetermined to a both sides. The interest rate is usually expressed as a percentage rate over one year.
5 year mortgage interest rate are keeping average 3.28 percent, down from last year’s average 5 year home mortgage interest rate of 4.32 percent. 5 year refinance mortgage rates today are even lower, averaging 3.25 percent.
Recent 15 year mortgage loan rates are averaging 3.75 percent, down from the last week’s average 15 year mortgage interest rate of 3.80 percent. 15 year mortgage refinance loan interest rates are also lower, averaging 3.73 percent.
歡迎來到 WordPress。這是您的第一篇文章。編輯或者刪除本篇文章，然後開始您的部落客生活！
