通过用期房抵押制度代替现今按揭制度既不影响我国抵押制度内在逻辑的完整性,又可以将“按揭”名正言顺地纳入到我国的抵押制度中来。如此既有利于实务操作中的统一性,也有利于保持我国担保法律体系的完整性和法理上的统一性,更有利于节约立法资源。 The replacement of the current mortgage system with the mortgage system of the term does not affect the integrity of the inherent logic of the mortgage system in our country, but can also be justified in the mortgage system of our country. This not only benefits the unity in substantive operation but also helps to maintain the integrity and legal uniformity of the guarantee legal system in our country and is more conducive to saving legislative resources.