If a party intends to register the mortgaged property, the notary department in the place where the mortgagor resides shall be the registration department.

第四十四条办理抵押物登记，应当向登记部门提供下列文件或者其复印件：

Article 44 To register the mortgaged property, a party shall submit to the registration department the following documents or their duplicates:

（一）主合同和抵押合同；

(1) the principal contract and the mortgage contract; and

（二）抵押物的所有权或者使用权证书。

(2) the certificates evidencing the ownership of or the use right to the mortgaged property.

第四十五条登记部门登记的资料，应当允许查阅、抄录或者复印。

Article 45 Consulting, transcribing or duplicating the materials registered with the registration departments shall be permitted.

第三节抵押的效力

Section 3 Effect of Mortgage

第四十六条抵押担保的范围包括主债权及利息、违约金、损害赔偿金和实现抵押权的费用。

Article 46 The scope of guaranty of mortgage includes the principal debt and the interest thereof, default fine, compensation for damage and expenses for enforcing the mortgage, 抵押合同另有约定的，按照约定。

unless otherwise provided in the mortgage contract.

第四十七条债务履行期届满，债务人不履行债务致使抵押物被人民法院依法扣押的，自扣押之日起抵押权人有权收取由抵押物分离的天然孳息以及抵押人就抵押物可以收取的法定孳息。

Article 47 If the mortgaged property is seized by a People's Court because of the debtor's failure to perform his obligation prior to the maturity of the debt, the mortgagee shall, from the date of seizure, be entitled to collect the natural fruits severed from the mortgaged property and the legal fruits which the mortgagor may collect from the mortgaged property.抵押权人未将扣押抵押物的事实通知应当清偿法定孳息的义务人的，抵押权的效力不及于该孳息。

If the mortgagee fails to notify the person who has the obligation to pay legal fruits of the fact that the mortgaged property is seized, the mortgagee's right shall not extend to such fruits.

前款孳息应当先充抵收取孳息的费用。

The fruits mentioned in the preceding paragraph shall first be used to pay the expenses for collecting the fruits.

第四十八条抵押人将已出租的财产抵押的，应当书面告知承租人，原租赁合同继续有效。

Article 48 If a mortgagor mortgages leased property, he shall notify the lessee of the fact in writing, and the original contract of lease continues in effect.

第四十九条抵押期间，抵押人转让已办理登记的抵押物的，应当通知抵押权人并告知受让人转让物已经抵押的情况；抵押人未通知抵押权人或者未告知受让人的，转让行为无效。

Article 49 If a mortgagor transfers mortgaged property already registered during the period of mortgage, he shall notify the mortgagee and inform the transferee that the transferred property is mortgaged; if the mortgagor fails to notify the mortgagee or inform the transferee of the fact, the transfer shall be null and void.

转让抵押物的价款明显低于其价值的，抵押权人可以要求抵押人提供相应的担保；抵押人不提供的，不得转让抵押物。

If the proceeds expected from the transfer of the mortgaged property are evidently less than its value, the mortgagee may demand that the mortgagor provide an additional guaranty; if the mortgagor fails to provide to additional guaranty, then he may not transfer the mortgaged property.

抵押人转让抵押物所得的价款，应当向抵押权人提前清偿所担保的债权或者向与抵押权人约定的第三人提存。

The proceeds which the mortgagor obtains from the transfer of the mortgaged property shall first be used to liquidate the claim secured by the mortgage or it shall be deposited with a third party agreed upon by the mortgagor and the mortgagee. 超过债权数额的部分，归抵押人所有，不足部分由债务人清偿。

If the proceeds exceed the claim, the balance shall belong to the mortgagor; if the proceeds do not cover the claim, the difference shall be paid by the debtor.

第五十条抵押权不得与债权分离而单独转让或者作为其他债权的担保。

Article 50 The right of mortgage may not be separated from the creditor's rights and transferred singly, nor used to secure other creditors' rights.

第五十一条抵押人的行为足以使抵押物价值减少的，抵押权人有权要求抵押人停止其行为。

Article 51 Where a mortgagor's acts are likely to cause the value of the mortgaged property to decline, the mortgagee shall be entitled to demand that the mortgagor cease and deist from such acts. 抵押物价值减少时，抵押权人有权要求抵押人恢复抵押物的价值，或者提供与减少的价值相当的担保。

Where the value of the mortgaged property has declined, the mortgagee shall be entitled to demand that the mortgagor restore the original value of the mortgaged property or provide security corresponding to the amount of the lost value.

抵押人对抵押物价值减少无过错的，抵押权人只能在抵押人因损害而得到的赔偿范围内要求提供担保。

If the mortgagor is not responsible for the decline in the value of the mortgaged property, the mortgagee may only demand that the mortgagor provide security to cover the loss resulting from the decline in value. 抵押物价值未减少的部分，仍作为债权的担保。

The part of the mortgaged property whose value has not declined shall continue to serve as guaranty for the creditor's right.

第五十二条抵押权与其担保的债权同时存在，债权消灭的，抵押权也消灭。

Article 52 The right of mortgage shall co-exist with the creditor's right secured. If the creditor's right lapses, the right of mortgage shall also lapse.

第四节抵押权的实现

Section 4 Enforcement of Mortgage Right

第五十三条债务履行期届满抵押权人未受清偿的，可以与抵押人协议以抵押物折价或者以拍卖、变卖该抵押物所得的价款受偿；协议不成的，抵押权人可以向人民法院提起诉讼。

Article 53 The mortgagee, who is not paid at the maturity of the obligation, may, through agreement with the mortgagor, be paid out of the proceeds from the conversion of the mortgaged property or from the auction or sale of the mortgaged property; if they fail to reach an agreement, the mortgagee may bring a lawsuit in a People's Court.

抵押物折价或者拍卖、变卖后，其价款超过债权数额的部分归抵押人所有，不足部分由债务人清偿。

If the proceeds from the conversion of the mortgaged property or the proceeds from the auction or sale thereof exceed the claim, the balance shall be returned to the mortgagor; if the proceeds do not cover the claim, the difference shall be paid by the debtor.

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