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丧失抵押品赎回权意味着借款人因还款违约而失去了赎回抵押品的权利。在美国虽然有《统一商法典》(UCC),但是在各州之间抵押的法律缺乏统一性,在为统一抵押法作出的努力宣告失败之后,国会委员就国家的法律(会议)颁布了统一的丧失抵押品赎回权司法法案(UNFA)。UNFA代表在丧失抵押品赎回权的过程中的一个重大创新,反映了一些国家主要的房地产金融从业人员和学者的贡献。这是通过有效率的间接的司法不动产清算,为房地产抵押拖欠贷款者提供实质性的保障措施。
Foreclosure means that the borrower has lost the right to redeem the collateral because of default in repayment. Although there was a Uniform Commercial Code (UCC) in the United States, there was a lack of uniformity in the law of mortgage between the states, and after the unsuccessful efforts to unify the mortgage law, the members of the Diet enacted uniform laws on the state (conference) Foreclosure Justice Act (UNFA). A major innovation by UNFA representatives in the foreclosure process reflects the contributions made by some of the country’s leading real estate finance practitioners and scholars. This provides substantive safeguards for delinquent real estate mortgages by efficient and indirect liquidation of judicial real estate.