住房抵押贷款保证合同研究摘要住房抵押贷款制度于20世纪90年代引入我国它带来了房地产的飞速开展但也暗藏着宏大的风险。“无风险无〞与之相应的住房抵押贷款应运而生。目前我国只存在住房抵押贷款财产、住房抵押贷款人身和集住房抵押贷款财产和保证于一体的住房抵押贷款综合。本文仅就住房抵押贷款保证进展研究。保证起源于信誉兴隆的随后在西欧不少和陆续创办。我国保证业务起步较晚个人消费信誉制度尚未健全相关的立法又相对滞后。我国的履约保证合同无是在理研究方面还是在实务和理方面均存在缺乏之处。在理研究方面研究者关注的焦点多集中在履约保证合同的含义和性质方面。在实务界履约保证业务不仅开展的较为缓慢而且存在理松弛等弊端。在立法和理方面由于我国现行法欠缺对履约保证合同的规定不同的可能会适用不同的法律处理同样的履约保证合同纠纷——针对上述现象本文从住房履约这一详细险种出发对合同的属性做出了定性明确了合同的主从地位并对合同的主体客体和内容进展了详细的阐述并对理和事务界常见问题进展分析希望对住房抵押贷款保证的开展有所裨益。关键词：住房抵押贷款保证利益ABSTRACTMortgagesystemwasintroducedtoinainthe1990s,whihasbroughttotherapiddevelopmentoftherealestatemarket,butalsohiddengreatrisk.As"Norisk,noinsurance",mortgageinsurancewasinvented.Atpresent,thereareonlymortgagepropertyinsurance,mortgagelifeinsuranceandmortgagebondinsurance.Thispaperwillresearmortgagebondinsurance.BondInsurancewasoriginatedintheUnitedStates,followedbymanycountriesinWesternEuropeandJapan.ineseinsurancepaniesstarteditlately,withpersonalconsumptioncreditsystemimperfectandtherelevantlegislationrelativelystagnant.Therearemanyargumentsintheoreticalresear,theinsurancepracticeandjudicialpractice.Intheoreticalresear,researersfocusonthemeaningandnatureofbondinsurancecontract.Inpractice,itisnotonlydevelopingratherslowly,butalsolaxinmanagement.Inthejudicialpractice,thecourtsmayhavedifferentjudgementswhendealingwiththesamedisputesonbondinsurancecontract,becauseprovisionsonitarelack.Aboveall,thispaperwillfocusonthemeaning,natureandcontractelementsofmortgagebondinsurance.Ihopemyresearwillbegoodforthedevelopmentofmortgagebondinsurance.Keys:MortgageLoan,bondinsurance,insurableinterest目录TOC\o"1-3"\u章绪PAGEREF_Toc200653196\h11.1研究背景PAGEREF_Toc200653197\h11.2研究目的PAGEREF_Toc200653198\h21.3研究内容与PAGEREF_Toc200653199\h2第2章合同法律性质PAGEREF_Toc200653200\h42.1合同属性研究PAGEREF_Toc200653201\h4“保证合同是保证合同〞观点PAGEREF_Toc200653202\h4“保证合同是合同〞观点PAGEREF_Toc200653203\h5“保证合同具有合同和保证合同的双重属性〞观点PAGEREF_Toc200653204\h6本文观点PAGEREF_Toc200653205\h62.2合同附