Not only was the peripheral applications software (mortgage generation, derivatives) buggy — the whole banking OS was incorrectly designed and specified.
它并不仅仅是因为外围的充满漏洞的应用软件(抵押产生，衍生产品)——而是因为整体的银行操作系统都被错误的设计和规定。
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".
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。
In a mortgage the borrower agrees to repay the loan under the specified terms.
在抵押贷款借款人同意贷款偿还所订下的。
In a mortgage the borrower agrees to repay the loan under the specified terms.
在抵押贷款借款人同意贷款偿还所订下的。
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