3）债务人不履行债务（Obligation Default） 债务人不履行债务是指因债务人发生违约导致债务可被宣告提前到期而债 务人未能履行债务的信用事件，但未能支付不属于该情形。
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为了保护债权人，防止债务人不履行债务，贷款时一般要求提供担保。
To protect the creditor, should default in payment be made by the debtor, security will often be required for the loan.
为了保护债权人，防止债务人不履行债务，贷款时一般要求提供担保。
In entering into a contract for loan of money, the lender may require the borrower to provide assurance.
债务人不履行债务时，债权人有权依法以抵押的房地产拍卖所得的价款优先受偿。
If the debtor fails to pay the debt, the creditor shall have the right to get prior compensation from the proceeds obtained from the auction of the mortgaged real estate.
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