最后，讨论了楼花按揭的效力问题。
第三章阐述了我国内地的“楼花按揭”现象。
Chapter 3 systematically analyzes the phenomena of "Louhua Mortgage" in the Chinese mainland.
文章第三部分对楼花按揭实务中常见问题进行了论述。
The third part of the thesis probes into the common problems in the practice of Louhua mortgage.
最后，对楼花按揭格式合同中常见的不合理条款提出了解决办法。
Finally, the thesis puts forward some measures to overcome the unreasonable provisions in standard contract in the practice of Louhua mortgage.
文章第四部分论述了楼花按揭银行常见的风险及如何防范的问题。
The fourth part of the thesis proposes some ways to control the common risk of bank in the practice of Louhua mortgage.
其突出特点就是购房人以在建甚至未建的预购商品房作为担保物取得银行贷款，俗称“楼花按揭”。
Its prominent characteristics is that the purchaser can get the loan from the bank by using the unfinished house as pledge which is called : "Louhua Mortgage" .
但到目前为止，我国立法并没有明确规定这一制度，理论上对我国“楼花按揭”现象的认识也是众说纷纭。
However, until now, there is not a specified law that has been legislated for managing this kind of transaction in China. Furthermore, scholars also disagree with each other about "Louhua Mortgage".
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.
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.
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