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The Legal Conception for Estate Financing Contract (Comparative Study)
المفهوم القانوني لعقد التمويل العقاري ( دراسة مقارنة )

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Abstract

ABSTACTBecome a home ownership for the time being it difficult for many individuals due to weak purchasing power universe financing residential real estate need to finance large amounts of capital , compared with funding portables , and from here focused on countries actively Mortgage , have reflected this importance formulas contract that is real estate finance from which the purchase or construction or restoration or improvement, among formulas contract that is a contract of mortgage in which the financier lends the buyer the value of the property you want from the vendor or contractor who Sabnyh or to pay him the price with receiving a transfer to human seller or contractor by the buyer who shall pay the amount of the loan and the cost of funding in the form of premiums periodically to ensure the mortgage property or land to be built upon , as it is a long term commensurate with the ability of the average person and his income , other than systems other funding which has proven experience not achieved the purpose and desired results being a short- or medium- term . Was held Mortgage legal tool necessary to provide the required funding in the areas of purchase and restoration and improvement and maintenance and repair of real estate , especially in Iraq , which suffers from the housing crisis, which it is difficult for the Iraqi citizen that gets adequate housing priceless immediate cash , because of the lack and scarcity of income limited , and the growing rise and continuing in housing prices and building materials , and so is Mortgage effective means by which they are to provide the needs of the middle class and the working of housing respectable , where he sought Iraq after 2003 to find and provide housing units for the Iraqi people , but the attempts collided with the inability of the Iraqi individual funding value of the housing unit He held a compound paved to finance Prime Another related drug , whether purchased or restored or built or repaired , it must contain the contract sentences take into account the social character of the fact that one of his limbs consumers from low-income or poor , where the protection of his will in the real estate credit of the possibility of exploiting the taxpayer because he needs strong for housing, and to achieve a balance between the parties to the contractual relationship and private , and that the financier of economic power and technical know-how and management to matters of mortgage credit to make it in the center rises far from the center of the buyer or the employer ( the consumer ) as a contractor innately limited knowledge about the financial operations of credit in real estate , making it the center of economic and legal needs of the poor organization of the legal nature of the pastures and protective social.

ملخص البحث أصبح امتلاك المسكن في الوقت الحاضر من الصعوبة بمكان بالنسبة لكثير من الافراد نظراً لضعف قوتهم الشرائية كون تمويل العقارات السكنية تحتاج لتمويلها رؤوس أموال كبيرة مقارنة بتمويل المنقولات , و من هنا اهتمت الدول بنشاط التمويل العقاري , وقد انعكست هذه الأهمية على الصيغ التعاقدية التي يتم تمويل العقارات من خلالها شرائها أو بنائها أو ترميمها أو تحسينها , ومن بين الصيغ التعاقدية تلك هو عقد التمويل العقاري والذي يقوم فيه الممول بإقراض المشتري قيمة العقار الذي يريده من البائع أو المقاول الذي سيبنيه أو ان يدفع عنه الثمن مع حصوله على حوالة بحقوق البائع أو المقاول قِبَل المشتري الذي يقوم بتسديد قيمة القرض وتكلفة التمويل على شكل أقساط دورية بضمان رهن العقار أو الأرض المراد تشييده عليها , إذ يعد تمويل طويل الاجل يتناسب مع قدرة الفرد العادي و دخله , بخلاف انظمة التمويل الاخرى التي اثبتت التجارب عدم تحقيقها الغرض و النتائج المطلوبة كونه قصيرة أو متوسطة الاجل .


Article
Legislative protection for consumers in the real estate financing contract (comparative study)
الحماية التشريعية للمستهلك في عقد التمويل العقاري .(دراسة مقارنة)

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Abstract

Mortgage contract is a legal instrument for the consumer for having a cash flow that is lacking for the purchase, construction or improvement or repair of property for housing is a paved and funded to hold a head last respect to a drug for housing and funded a professional superior economic sense and knowledge, this is the decade contract loss of the balance between the two parties for a long period of not less than twenty years the consumer is linked to heavy financial commitments, must be legislative intervention to protect the consumer finance student for having a housing, starting from the financier promoted to service mortgage and submit it to request funding in the stage preceding the hiring and contracting phase when yes, and acceptance of the grant deadline prudence and thinking and continue this legislative protection in the period of execution of the contract when the amendment to the contract funded by the will of the individual and accelerate payment of debt and this protection ends when imposing interdependence between the mortgage and the contract between the contract to be funded (real estate contract).

ملخص البحثعقد التمويل العقاري هو الاداة القانونية للمستهلك لحصوله على السيولة النقدية التي يفتقدها لشراء او بناء او تحسين او ترميم عقار للسكن فهو عقد ممهد و ممول لعقد رئيس اخر يتعلق بعقار للسكن و الممول فيه المحترف المتفوق من الناحية الاقتصادية و المعرفية , فهذا العقد عقد فاقد للتوازن بين الطرفين لمدة طويلة لا تقل عن عشرون عاماً يرتبط المستهلك بالتزامات مالية ثقيلة, فلابد من التدخل التشريعي لحماية المستهلك طالب التمويل لحصوله على السكن ابتداءاً من قيام الممول بالترويج لخدمة التمويل العقاري و تقديمه لطلب التمويل في مرحلة تسبق التعاقد و مرحلة التعاقد عند الايجاب و القبول لمنحه مهلة التروي و التفكير وتستمر هذه الحماية التشريعية في فترة تنفيذ العقد عند تعديله للعقد بارادة الممول المنفردة و تعجيل دفع الدين و تنتهي هذه الحماية بفرضها عند الترابط بين عقد التمويل العقاري و بين العقد المراد تمويله (العقد العقاري) .

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