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如何区别按揭与抵押

更新时间:2006-07-13 00:00:00 - 来源:建湖房产信息网 点击数:21829 >> 我要发表评论
    购房人购房时,经常在做按揭时对房屋的抵押产生疑问。碰到开发商的土地被抵押而又想购房时,不知道该如何处理。那么抵押和按揭到底有什么区别呢?抵押房还能买卖吗?

    按揭与抵押的主要区别,在于借贷过程中是否发生了所有权的转移。其区别主要如下:

    一、按揭和抵押在法律上的区别:按揭要产生所有权转移,抵押则不变更所有关系,因此二者当事人的法律地位及享有的权益不同。按揭受益人经所有权转让成为了所有权人,享有担保物的所有权。抵押则不发生所有权转移,抵押人仍保留担保物的所有权,抵押权人是非所有权人,只享有抵押权,即对抵押物的支配权。在按揭诉讼中,按揭受益人以所有权人的身份和名义参加诉讼,而抵押诉讼中,抵押权人的身份只是抵押权人。

    二、目的及运作上的差异:按揭和抵押担保的基本目的在于保证债务的履行。但二者在目的和运作上仍有区别:

    1.按揭人按揭的目的在于最大限度地减少风险和尽可能多地借得款项;按揭受益人按揭的目的主要是出于保障收益的考虑。理论上,按揭受益人是所有权人,较之抵押权人享有更多权益。

    2.在借款目的上,按揭人的目标指向和按揭物是统一的,借款的目的是购置房屋,取得房屋产权;抵押人抵押借款的目的不是为了取得抵押物,而是为了其他目的的借款。

    3.运作上的区别:房地产抵押:应当凭土地使用权证书、房屋所有权证书办理。其基本程序:在抵押人先取得产权证的前提下,办理他项产权证,以产权证抵押而持有他项产权证。按揭则是在按揭人尚未取得产权证的情况下进行的。一般是先办理他项产权证作为抵押担保,产权在付清购房款后由房地产开发单位转给按揭受益人,所有权证由按揭人持有。

    4.抵押和按揭牵扯的当事人不同:抵押一般牵涉两个当事人:抵押人和抵押权人,一般不再需要担保人,是单纯的“指物借钱”;按揭是按揭人在按揭受益人均未取得房屋所有权时进行的,需要原所有人或业主做中间人,以便实现钱、物、权分离状态下的动作。因此,原业主或所有者往往要作为担保人,使按揭有三个当事人“按揭人、按揭受益人、按揭担保人”。
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