第三部分首先就目前的实际操作概述了楼花按揭设定的基本程序和楼花按揭贷款合同的基本内容，并以之作为完善楼花按揭预设的前提。
In the third part, the paper, first of all, presents a brief account about the basic procedure of establishing the mortgage and its contents of the contract so as to better the mortgage system.
那么，担心按揭合同得不到履行的银行就会再次向外贷款。
And then the Banks, which are worried about all this mortgage paper they have, will start lending again.
对银行收取按揭贷款买房人提前还贷违约金所持的理由进行驳斥，认为贷款人提前还贷的行为符合《合同法》关于借款合同的规定，也不违背国际上的通行作法；
The paper has a refutation to the reasons held by the banks that collect the penalties which are paid by the housing- consumers with the mortgage loans repaying loans ahead of time.
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