第五十二条房地产抵押合同签订后，土地上新增的房屋不属于抵押财产。
Article 52 After a real estate mortgage contract is signed, the newly added housing property on the land does not belong to the mortgaged property.
首先对房地产抵押合同的性质，房地产抵押的标的物这两个有争议的问题提出了自己的看法。
The first, declares the author's opinions on the nature of the contract of real estate mortgage and the mortgage property, two controversial issues .
抵押合同应当允许它的房主可以出租他的财产，并把它返回时，在市场上收回的房地产价值相同。
Should the mortgage contract permit it, a homeowner could always rent out the property and put it back on the market when real estate values recover.
这些风险包括源于借款人的风险、房地产开发商的风险、银行自身的风险、借款合同引发的风险和抵押物引发的风险。
These risks stem from borrower's risk, the property developer's risk, bank own risk, the risk initiated by the loan agreement and the risk initiated by the pawn.
抵押双方可以重新设定抵押房地产，也可以依法清理债权债务，解除抵押合同。
Both parties to the mortgage may secure anew the mortgage for the mortgaged real property. They may also settle the debts and credits in accordance with the law and terminate the mortgage contract.
第四十九条房地产抵押，抵押人和抵押权人应当签订书面抵押合同。
Article 49: a written mortgage contract shall be signed between a mortgagor and a mortgagee for the mortgage of real property.
签订租赁合同前，应向房地产交易中心查询租赁房产有无抵押或查封。
Before signing a lease, a lessee should check with a real estate trading centre whether a leased property is mortgaged or has been repossessed.
签订租赁合同前，应向房地产交易中心查询租赁房产有无抵押或查封。
Before signing a lease, a lessee should check with a real estate trading centre whether a leased property is mortgaged or has been repossessed.
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