Equitable mortgage is a guarantee means by which a house buyor can raise a loan from bank to pay the house he has bought before . it originates from mortgage , an old british security means , and then it was developed and used mostly within real estate market and financial market 楼花按揭是指在楼宇预售时，购房人以所购楼花作为担保物，向银行等金融机构取得贷款以支付购楼款的一种融资购楼担保方式。
Then , it respectively expounds the significance of risk control of bank in way of guarantee , insurance and securitization of louhua mortgage , and proposes the writer ' s suggestions on how to control the risk of bank in the practice of louhua mortgage 首先，介绍了楼花按揭中银行常见风险，在此基础上，分别论述了楼花按揭担保、楼花按揭保险、住房抵押贷款证券化对银行风险防范的意义，并对如何防范银行风险提出了作者的建议。
Having expounded the legal constitution , origin , meaning etc , the author draws a conclusion about the essence of the mortgage - the transferring guarantee , which is in contrast to the popular opinion that mortgage is charge or hypothecation , exactly speaking , what is transferred is the mortgager ' s expective right to the ownership 关于楼花按揭的性质，国内说法不一，所以在第二部分笔者首先简要介绍了各种观点，然后从法律构成、渊源；意义等三方面进行了论述之后得出结论：楼花按揭的实质是让与担保。
