If the value of the mortgaged property exceeds that of the claim secured, the surplus may be mortgaged again, but not in excess of the surplus.

第三十六条以依法取得的国有土地上的房屋抵押的，该房屋占用范围内的国有土地使用权同时抵押。

Article 36 Where houses on State-owned land acquired in accordance with law are mortgaged, the land-use right to the State-owned land occupied by the houses shall be mortgaged at the same time.

以出让方式取得的国有土地使用权抵押的，应当将抵押时该国有土地上的房屋同时抵押。

Where the land-use right to State-owned land acquired by means of granting is mortgaged, the houses on the State-owned land shall be mortgaged at the same time.

乡（镇）、村企业的土地使用权不得单独抵押。

The land-use right to the land used by a township (town) or village enterprise may not be mortgaged separately. 以乡（镇）、村企业的厂房等建筑物抵押的，其占用范围内的土地使用权同时抵押。

Where factories and other buildings of township (town) or village enterprises are mortgaged, the land-use right to the land occupied by such buildings shall be mortgaged at the same time.

第三十七条下列财产不得抵押：

Article 37 The following property may not be mortgaged:

（一）土地所有权：

(1) ownership of the land;

（二）耕地、宅基地、自留地、自留山等集体所有的土地使用权，但本法第三十四条第（五）项、第三十六条第三款规定的除外；

(2) the land-use right to the land owned by the collectives such as cultivated land, house sites, private plots and private hills, with the exception of those provided in sub-paragraph (5) Article 34 and sub-paragraph (3) of Article 36 of this Law;

（三）学校、幼儿园、医院等以公益为目的的事业单位、社会团体的教育设施、医疗卫生设施和其他社会公益设施；

(3) educational facilities, medical and health facilities of schools, kindergartens, hospitals and other institutions or public organizations established in the interest of the public and other facilities in the service of public welfare;

（四）所有权、使用权不明或者有争议的财产；

(4) property in relation to which the ownership or the right of use is unknown or disputed;

（五）依法被查封、扣押、监管的财产；

(5) property sealed up, distrained or placed under surveillance in accordance with law; or

（六）依法不得抵押的其他财产。

(6) other property which may not be mortgaged as prescribed by law.

第二节抵押合同和抵押物登记

Section 2 Mortgage Contract and Registration of Mortgaged Property

第三十八条抵押人和抵押权人应当以书面形式订立抵押合同。

Article 38 A mortgagor and a mortgagee shall conclude a mortgage contract in writing.

第三十九条抵押合同应当包括以下内容：

Article 39 A mortgage contract shall include the following particulars:

（一）被担保的主债权种类、数额；

(1) the kind and amount of the principal debt secured;

（二）债务人履行债务的期限；

(2) the time limit for the debtor to perform his obligation;

（三）抵押物的名称、数量、质量、状况、所在地、所有权权属或者使用权权属；

(3) the name, quantity, quality, condition, location, ownership or ownership of the right to the use of the mortgaged property;

（四）抵押担保的范围；

(4) the scope of the guaranty of mortgage; and

（五）当事人认为需要约定的其他事项。

(5) other matters the parties deem necessary to include in the contract.

抵押合同不完全具备前款规定内容的，可以补正。

If a mortgage contract does not include all the particulars specified in the preceding paragraph, the omissions may be added by amendment.

第四十条订立抵押合同时，抵押权人和抵押人在合同中不得约定在债务履行期届满抵押权人未受清偿时，抵押物的所有权转移为债权人所有。

Article 40 In concluding a mortgage contract, the mortgagor and the mortgagee may not stipulate that the ownership of the mortgaged property shall be transferred to the creditor in case the mortgagee's claim is not satisfied after maturity of the debt.

第四十一条当事人以本法第四十二条规定的财产抵押的，应当办理抵押物登记，抵押合同自登记之日起生效。

Article 41 Where a party mortgages property provided for in Article 42 of this Law, he shall register the mortgaged property, and the mortgage contract shall become effective as of the date of registration.

第四十二条办理抵押物登记的部门如下：

Article 42 The departments responsible for the registration of mortgaged property are as follows:

（一）以无地上定着物的土地使用权抵押的，为核发土地使用权证书的土地管理部门；

(1) the land administration departments which verify and issue certificates evidencing the land-use right if the land-use right to the land to which nothing is firmly attached is mortgaged;

（二）以城市房地产或者乡（镇）、村企业的厂房等建筑物抵押的，为县级以上地方人民政府规定的部门；

(2) the departments designated by local people’s governments at or above the county level, if urban real estates or factories and other buildings of township (town) or village enterprises are mortgaged;

（三）以林木抵押的，为县级以上林木主管部门；

(3) the forestry administration departments at or above the county level, if forest trees are mortgaged;

（四）以航空器、船舶、车辆抵押的，为运输工具的登记部门；

(4) the registration departments for means of transport, if aircraft, ships and vehicles are mortgaged; or

（五）以企业的设备和其他动产抵押的，为财产所在地的工商行政管理部门。

(5) the administrative departments of industry and commerce in the place where the property is located, if the equipment and other movables of enterprises are mortgaged.

第四十三条当事人以其他财产抵押的，可以自愿办理抵押物登记，抵押合同自签订之日起生效。

Article 43 Where a party mortgages other property, he may, of his own will, register the mortgaged property, and the mortgage contract shall become effective as of the date of execution.

当事人未办理抵押物登记的，不得对抗第三人。

If a party does not

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