A mortgagor may at the same time mortgage all the property listed in the preceding paragraph.
第三十五条抵押人所担保的债权不得超出其抵押物的价值。
Article 35 The amount of a claim secured by a mortgagor shall not exceed the value of his mortgaged property.
财产抵押后，该财产的价值大于所担保债权的余额部分，可以再次抵押，但不得超出其余额部分。
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 register the mortgaged property, he may not defend against the claims of third party.当事人办理抵押物登记的，登记部门为抵押人所在地的公证部门。
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
中华人民共和国担保法中英版
