[摘要] 抵押房产的变现能力即变现力，指的是房产转换现金或负债偿还所需之时间。长期及短期债权人，以此评估实现债权之能力，投资者则利用抵押房产的变现能力来判断项目的投资价值。
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px" data-mpa-powered-by="yiban.io">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">抵押房产的变现能力即变现力，指的是房产转换现金或负债偿还所需之时间。长期及短期债权人，以此评估实现债权之能力，投资者则利用抵押房产的变现能力来判断项目的投资价值。
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">影响抵押房产变现的法律因素
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">1.权属的完整性和清晰性
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">在抵押房产的实际执行中，经常会遇到以下问题：债权人在主张权利时，发现房产早已被第三人占有：借款人将房产卖给第三人（第三人可能善意获得），仅仅没有办理过户手续，造成执行过程中的诸多矛盾。债权人因为是抵押权人，需要维护自身合法权益，于是起诉、胜诉、申请执行。执行过程中，遭遇第三人提出异议，阻止执行。房产权属不清晰，导致债权人不能顺利实现对房产的拍卖变现，而第三人作为买房方，无法取得房产所有权，同样是受害者。法院既不能将第三人从房产中直接驱逐，又很难宣布抵押权不成立，左右为难，导致案件难以推动，房产变现困难。
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">2.转让制约
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">（1）存在其他顺序抵押，权益分割
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">实现抵押权时，登记时间在先的抵押权优于在后的抵押权。
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">如果债权人是房产顺位抵押权人或者抵押权人，享有优先受偿权拥有优势，那么实现抵押房产变现的问题不大。
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">如果债权人是房产的第二顺位抵押权人或者第三顺位抵押权人，房产的变现会涉及涉及到权利分割的问题。在房产拍卖后，抵押房产的剩余价值可能不足以实现债权人的权利。
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">（2）住房
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">尽管院在2015年5月5日发布的《关于人民法院办理执行异议和复议案件若干问题的规定》中明确规定住房可以执行，但就实际情况来看，住房的问题始终是抵押房产变现过程中的头等难题。
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">（3）租赁制约
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">抵押权与租赁权的关系分为两种情况：
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">①抵押合同在前，租赁合同在后
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">此种状况下，债权人可以在拍卖房屋前，请求解除租赁合同。这种情况对房产变现的影响并不大。
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">②租赁合同在前，抵押合同在后
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">《中华人民共和国合同法》第二百二十九条规定：“租赁物在租赁期间发生所有权变动的，不影响租赁合同的效力”。人民法院《关于贯彻执行〈中华人民共和国民法通则〉若干问题的意见（试行）》百一十九条第二款规定：“私有房屋在租赁期内，因买卖、赠与、或者继承发生房屋转移的，原租赁合同继续有效。”由此可见，租赁先于抵押的情况下，抵押房产的执行变现会因为买卖不破租赁原则受到阻碍。
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">（4）拆迁制约
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">《城市房地产抵押管理办法》第三十八条规定：“因国家建设需要，将已设定抵押权的房地产列入拆迁范围的，抵押人应当及时书面通知抵押权人；抵押双方可以重新设定抵押房地产，也可以依法清理债权债务，解除抵押合同。”第五十一条规定：“因国家建设需要，将已设定抵押权的房地产列入拆迁范围时，抵押人违反前述第三十八条的规定，不依法清理债务，也不重新设定抵押房地产的，抵押权人可以向人民法院提起诉讼。”
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">3.税费转移
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">在房产转移过程中，产生大量税费问题，包括土地增值税、营业税、个人所得税、契税、手续费，甚至扎无人欠交的房产税、补交土地出纳金等等。这些税费，除契税外，其余均应有债务人承担。但是在实际操作中，债务人的配合程度通常很低，税费往往会从拍卖款或变现款中代为清偿，这是债权人既得利益的损失。
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">影响抵押房产变现的自身因素
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">1.房产通用性
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">房产的通用性是指房产是否常见、是否被普遍认可和使用，需求量有多少，普遍程度是否高。一般来说，有针对性专业用途的的房产，面对的是少部分定向群体，所以受众面较窄，比较难找到买家，变现能力就会弱一些。例如：住宅的变现能力大于商铺，商铺的变现能力大于办公楼，办公楼的变现能力大于厂房。但如果某房产可以商住两用，其性能有利于提高变现能力。
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">2.房产自身价值
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">房产价值越大，所需的资金流越多，变现能力越弱。 例如：别墅、花园住宅比普通住宅变现能力弱。
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">3.开发程度
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">开发程度较低的房产，因其不确定因素多，变现能力相对较弱。 例如：在建工程比现房变现能力弱。
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">4.环境因素
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">房产所处地理位置及周边环境对房产变现能力的影响众所周知。地理区位较好、环境优越 、依山傍水、小区成熟、设施完善，都能提高抵押房产的变现能力。除此之外，房产所处区域的未来规划和发展潜力也对抵押房产变现影响较大。例如：北京五环内的房子比五环外抢手，新建开发区房产比老城区房产抢手。
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">5.独立使用性
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">独立使用性越强的房产，变现能力越强；独立性较差的房产，其用途的使用会受到限制，变现能力相应较弱。例如：工厂里的住宅受工厂本身性质的影响，其本身住宅的变现能力受到限制。
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">RD-WRAP: break-word !important;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">影响抵押房产变现的市场因素
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">市场的购买需求对房产的变现能力影响，取决于购买需求和购买能力的对接口径。价值较小的房产，市场需求较大，买家的购买能力相对较强，房产的变现能力就越强；相反，价值较大的房产需求较小，买家的购买能力也会减弱，房产的变现能力也会相对困难。
RD-WRAP: break-word !important;FONT-SIZE: 16px;MAX-WIDTH: 100%;FONT-FAMILY: "Helvetica Neue", Helvetica, "Hiragino Sans GB", "Microsoft YaHei", Arial, sans-serif;WHITE-SPACE: normal;TEXT-TRANSFORM: none;WORD-SPACING: 0px;FONT-WEIGHT: normal;COLOR: rgb(51,51,51);PADDING-BOTTOM: 0px;FONT-STYLE: normal;PADDING-: 0px;PADDING-LEFT: 0px;CLEAR: both;MARGIN: 0px 0px 16px;MIN-HEIGHT: 1em;ORPHANS: 2;WIDOWS: 2;LETTER-SPACING: normal;PADDING-RIGHT: 0px;BACKGROUND-COLOR: rgb(255,255,255);TEXT-INDENT: 0px;font-variant-ligatures: normal;font-variant-caps: normal;-webkit-text-stroke-width: 0px">RD-WRAP: break-word !important;FONT-SIZE: 14px;MAX-WIDTH: 100%;PADDING-BOTTOM: 0px;PADDING-: 0px;PADDING-LEFT: 0px;MARGIN: 0px;PADDING-RIGHT: 0px">总的来说，影响抵押房变现的因素较多，债权人和投资者在处置或投资抵押房时一定要谨慎，能借助专业团队的力量，限度规避风险，实现抵押房产的退出变现。
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