| 单词 | Legal mortgage |
| 释义 | 法定式按揭 A mortgage of land valid at law and in equity. A legal mortgage of land or an interest in land must be expressed to be a charge by deed: Conveyancing and Property Ordinance (Cap 219) s 44(1). A legal charge does not vest any estate in the mortgagee, but creates a legal interest which confers on the mortgagee the same protection, powers and remedies as a mortgage by demise: Halsbury’s Laws of Hong Kong, Vol 16, Land [230.0639]. The mortgagee’s interest is an encumbrance over the land, which carries a number of rights over the property that may be exercised should the mortgagor fail to repay the loan in accordance with the agreed terms. The rights of the mortgagee are therefore not just personal against the mortgagor but are proprietary in the sense that the mortgagee may look to the property for repayment of the loans regardless of the issue of whose hands the property may come into: Nield, Hong Kong Land Law (2nd Ed, Longman) ch 17 p 443. See also Equitable mortgage; Equity of redemption. 在法律上及在衡平法上有效的土地按揭。土地的法定式按揭或土地權益只可藉明訂為法定押記的契據作出：《物業轉易及財產條例》（第219章）第44條。法定押記沒有賦予承按人有任何產業權，但訂立了法定權益，該權益賦予承按人與批租按揭同等的保障、權力與補償：Halsbury’s Laws of Hong Kong, 第6冊，土地，第[230.0639]段。承按人的權益是土地其上的產權負擔，對該財產帶有一定數目當按揭人無法根據已協議的條款退回貸款時可行使的權利。承按人的權利因此並非是針對按揭人的個人權利，而是所有權，意味著承按人依靠該等財產以償還貸款，不論誰人掌管該等財產的爭議會否開始：Sarah Nield Hong Kong Land Law （Longman, 第2版，1997年）第17章第443頁。另見 Equitable mortgage; Equity of redemption。 |
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