The remaining two developments are estimated to be completed in 2001 . " at the end of december 1999 , three applications in respect of commercial developments throughout the territory were pending approval . the three developments are estimated to be completed in 2000 or 2001 截至一九九九年十二月底，有待核准的预售楼花同意书（商业）申请共三份，三个商业发展项目预计于二零零零年或二零零一年内完成。
Of the procedures to be followed by the government , upon receipt of developers applications for the sale of uncompleted first - hand residential units , to ensure that developers will accurately provide correct and complete information to prospective buyers during the sale of such units 政府在收到发展商的预售楼花申请时，会进行甚么程序以确定发展商在预售楼花时，会准确无误地向准买家提供正确及全面的资料
The other two applications were for consent to sell commercial units in hong kong island and kowloon . the spokesman said , " since the suspension of certain measures in the consent scheme for the sale of residential developments as announced by the secretary for housing on may 29 , 1998 , the government has issued 52 consents to sell subject to the revised conditions 发言人说：自房屋局局长于去年五月二十九日公布取消同意方案内有关预售住宅的一些措施后，政府已按修订措施发出共五十二份预售楼花同意书，当中涉及三万九千一百七十一个单位。
The spokesman said , " since the suspension of certain measures in the consent scheme for the sale of residential developments as announced by the secretary for housing on may 29 , 1998 , the government has issued 62 consents to sell subject to the revised conditions . they involve 44 , 077 units . " one of the revised measures is that consent to sell uncompleted units will be given not more than 20 months before the estimated completion date 其中一项措施是楼花可于预计完成期不多于二十个月之前预售，在已发出的六十二份预售楼花同意书中，二十六份共涉及二万四千九百二十七个单位的申请，预计完成期多于十五个月，经已受惠。
They involve 39 , 171 units . " one of the revised measures is that consent to sell uncompleted units will be given not more than 20 months before the estimated completion date . of the 52 consents issued , 20 of them affecting 20 , 269 units with estimated completion dates exceeding 15 months have benefited . 其中一项措施是楼花可于预计完成期不多于二十个月之前预售，在已发出的五十二份预售楼花同意书中，二十份共涉及二万零二百六十九个单位的申请，预计完成期多于十五个月，经已受惠。
This article consists of five parts as following : mortgage of uncompleted building was originated from the common law and the law of hong kong , so the paper probes into its meaning - the transformation of the specific property right ; when the debtor fails to perform his duty , the creditor can obtain the title determinately ; the debtor enjoys the right of redeeming the collateral security through fulfilling his debt , the creditor has the obligation of returning the property at the same time . secondly , the author summaries its essential feature on the practice of the real estate mortgage hi the mainland of china - the target of the mortgage is a kind of expective interest ; the mortgage is a kind of guarantee which is settled through making over the interests in expectancy ; the risk of the mortgaged uncompleted building should be borne by the realty company instead of the mortgagor ; the phase of the mortgage ; mortgage is realized in a particular way . thirdly , on the basis of analyzing the legal nexus that is involved , the paper points out that the legal ne xus of the mortgage is just between the mortgagor and the mortgagee 楼花按揭作为一种担保方式起源于英美法上的mortgage ，所以本文第一部分首先探讨了mortgage在英美法上的含义：特定财产权利的转移；在债务人不履行债务时，债权人可以确定地取得所有权；债务人享有通过履行债务而赎回担保物的权利，同时债权人负有交还财产的义务。其次，就我国的楼花按揭实践总结了其基本特征：楼花按揭涉及两个合同三方当事人；楼花按揭的标的是一种期待性利益；楼花按揭是通过转让物业权益而设定的一种担保方式；预售楼花灭失的风险应有开发商承担；楼花按揭的阶段性；楼花按揭实现方式的特殊性。最后，分析了楼花按揭所牵涉的各个法律关系，认为真正的楼花按揭法律关系只是购房人与银行之间的按揭贷款关系，按揭当事人只有购房人(按揭人)与银行。
