| 浅析地震毁损房屋的按揭贷款 |
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| 引用本文： | 乔颍.浅析地震毁损房屋的按揭贷款[J].文史博览,2008(11). |
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| 作者姓名： | 乔颍 |
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| 作者单位： | 湖南商务职业技术学院; |
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| 摘 要： | 通过分析房屋按揭贷款中的法律关系,明确了地震毁损房屋的按揭贷款的法律责任应由受灾人承担。但现实中受灾人不具有承担能力,执行的合法性与合理性发生冲突,汶川地震后我国政府采取的一系列解决措施不具有可重复使用性。有必要通过完善配套保险法律制度、建立国家巨灾风险专项基金、建立灾难法律援助制度、引进个人破产制度等来有效解决。
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| 关 键 词： | 地震 按揭 保险 |
Brief on the Mortgage Loan of the House Damaged in Earthquake |
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| Authors: | QIAO Yin |
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| Institution: | QIAO Yin(Hunan Vocational College of Commerce,Changsha Hunan 410205) |
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| Abstract: | In this paper,it is clarified that the legal liability of the mortgage loan of the house damaged in earthquake should go to the house owners by analyzing the legal relation in the mortgage loan.But the house owners are not able to bear the liability in reality.After the Wenchuan earthquake the Chinese government has adopted a series of measures which can not be functional again.To solve this problem,it is necessary to perfect the insurance policies,establish the special fund again serious disasters,provide ... |
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| Keywords: | earthquake mortgage insurance |
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