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.
第五十四条同一财产向两个以上债权人抵押的，拍卖、变卖抵押物所得的价款按照以下规定清偿：
Article 54 Where the same property is mortgaged to two or more creditors, the proceeds from the auction or sale of the mortgaged property shall be used for liquidation according to the following provisions:
（一）抵押合同以登记生效的，按照抵押物登记的先后顺序清偿；顺序相同的，按照债权比例清偿；
(1) Where a mortgage contract takes effect with its registration, the liquidation shall be made in the order of the time of registration of the mortgaged property; if the registration is in the same order, the liquidation shall be made according to the respective proportions of the claims;
（二）抵押合同自签订之日起生效的，该抵押物已登记的，按照本条第（一）项规定清偿；未登记的，按照合同生效时间的先后顺序清偿，顺序相同的，按照债权比例清偿。
(2) Where a mortgage contract takes effect on the date of its execution and the mortgaged property is registered, the liquidation shall be made according to the provisions of sub-paragraph (1) of this Article;未登记的，按照合同生效时间的先后顺序清偿，顺序相同的，按照债权比例清偿。抵押物已登记的先于未登记的受偿。
The claim secured by registered mortgage shall be satisfied prior to the claim secured by unregistered mortgage.
第五十五条城市房地产抵押合同签订后，土地上新增的房屋不属于抵押物。
Article 55 After the execution of a contract in which urban real estate is mortgaged , the newly-built houses on the land shall not be included in the mortgaged property. 需要拍卖该抵押的房地产时，可以依法将该土地上新增的房屋与抵押物一同拍卖，但对拍卖新增房屋所得，抵押权人无权优先受偿。
Where it is necessary to auction the mortgaged real estate, the newly-built houses on the land may be auctioned, according to law, together with the mortgaged property, but the mortgagee shall have no right to enjoy the priority of having his claim satisfied with the proceeds from auction of the newly-built houses.
依照本法规定以承包的荒地的土地使用权抵押的，或者以乡（镇）、村企业的厂房等建筑物占用范围内的土地使用权抵押的，在实现抵押权后，未经法定程序不得改变土地集体所有和土地用途。
Where the land-use right to contracted barren hills is mortgaged or the land-use right to the land occupied by the factories and other buildings of a township (town) or village enterprise is mortgaged in accordance with the provisions of this Law, the collective ownership and the uses of the land may not be altered without following the legal procedure after enforcement of the right of mortgage.
第五十六条拍卖划拨的国有土地使用权所得的价款，在依法缴纳相当于应缴纳的土地使用权出让金的款额后，抵押权人有优先受偿权。
Article 56 The mortgagee shall be entitled to the priority of having his claim satisfied with the proceeds from auction of the land-use right to the allocated State-owned land after payment of the granting fees for the land-use right.
第五十七条为债务人抵押担保的第三人，在抵押权人实现抵押权后，有权向债务人追偿。
Article 57 The third party who provides guaranty of mortgage for the debtor shall have the right of
recourse against the debtor after enforcement of the right of mortgage by the mortgagee.
第五十八条抵押权因抵押物灭失而消灭。
Article 58 The right of mortgage shall lapse due to loss or destruction of the mortgaged property. 因灭失所得的赔偿金，应当作为抵押财产。
The compensation obtained for the loss or destruction shall be used as the mortgaged property.
第五节最高额抵押
Section 5 Mortgage of Maximum Amount
第五十九条本法所称最高额抵押，是指抵押人与抵押权人协议，在最高债权额限度内，以抵押物对一定期间内连续发生的债权作担保。
Article 59 A mortgage of maximum amount as used in this Law means that the mortgaged property shall be used to secure the creditor's claims which occur successively during a given period of time and to the extent of the total amount of the claims, as agreed upon between a mortgagor and a mortgagee.
第六十条借款合同可以附最高额抵押合同。
Article 60 A loan contract may be accompanied by a contract of mortgage of maximum amount.
债权人与债务人就某项商品在一定期间内连续发生交易而签订的合同，可以附最高额抵押合同。
The contract executed by a creditor and a debtor for the continuous transaction of a specific commodity in a given period of time may be accompanied by a contract of mortgage of maximum amount.
第六十一条最高额抵押的主合同债权不得转让。
Article 61 The creditor's right to the principal contract secured by a mortgage of maximum amount may not be transferred.
第六十二条最高额抵押除适用本节规定外，适用本章其他规定。
Article 62 The provisions of this section plus other provisions of this Chapter shall apply to mortgage of maximum amount.
第四章质押
Chapter 4 Pledge
第一节动产质押
Section 1 Pledge of Movables
第六十三条本法所称动产质押，是指债务人或者第三人将其动产移交债权人占有，将该动产作为债权的担保。
Article 63 Pledge of movables as used in this Law means that the debtor or a third party transfers the possession of his movables to the creditor as a security for debt.债务人不履行债务时，债权人有权依照本法规定以该动产折价或者以拍卖、变卖该动产的价款优先受偿。
If the debtor defaults, the creditor shall, in accordance with the provisions of this Law, be entitled to convert the property into money as payment of the debt or enjoy priority of having his claim satisfied with the proceeds of auction or sale of the pledged property.
前款规定的债务人或者第三人为出质人，债权人为质权人，移交的动产为质物。
The debtor or the third party mentioned in the proceeding paragraph shall be the pledgor, the creditor shall be the pledgee, and the movables transferred shall be the pledged property.
第六十四条出质人和质权人应当以书面形式订立质押合同。
Article 64 A pledgor and a pledgee shall conclude a pledge contract in writing.
质押合同自质物移交于质权人占有时生效。
A pledge contract shall become effective upon the delivery of the pledged property to the possession of the pledgee.
第六十五条质押合同应当包括以下内容：
Article 65 A pledge 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）质物的名称、数量、质量、状况；
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