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¡¡¡¡Article 15¡¡Where a piece of real property which is owned by a Sino-foreign equity joint venture, a Sino-foreign co-operative joint venture or a wholly foreign-owned enterprise is mortgaged, a resolution to that effect shall be adopted by the board of directors, unless the articles of association of the enterprise stipulate otherwise.

¡¡¡¡Article 16¡¡Where a piece of real property which is owned by a limited liability company, or a company limited by shares is mortgaged, a resolution to that effect shall be adopted by the board of directors or by the shareholders' general meeting, unless the articles of association of the enterprise stipulate otherwise.

¡¡¡¡Article 17¡¡Where a piece of real property which is owned by an enterprise with a limited period of operation is mortgaged, the time limit on the guaranteed debt may not exceed the period of operation of the enterprise.

¡¡¡¡Article 18¡¡Where a piece of real property which has a limited period in land use is mortgaged, the time limit on the guaranteed debt may not e

¡¡¡¡Article 19¡¡Where a piece of real property which is jointly owned is mortgaged, the mortgagor shall first seek the consent of the other joint owners in writing.

¡¡¡¡Article 20¡¡Where pre-purchased commodity housing is mortgaged for loans, such commodity housing development projects shall be in compliance with required real property assignment conditions and an commodity housing advanced sale permit shall be obtained.

¡¡¡¡Article 21¡¡Where a piece of real property which is already rented is mortgaged, the mortgagor shall inform the mortgagee of the circumstances regarding the rental, and notify the lessor of the circumstances regarding the mortgage. The original leasing contract shall continue to be valid.

¡¡¡¡Article 22¡¡Where a mortgage is secured for a piece of real property, the value of the mortgage may be determined by the parties to such mortgage through negotiation or by appraisal undertaken by a real property appraisal organization.

¡¡¡¡The above clause shall prevail unless laws and regulations stipulate otherwise.

¡¡¡¡Article 23¡¡Where the parties to a mortgage agree to buy insurance for the mortgaged real property, the mortgagor shall buy insurance for such piece of mortgaged real property and the insurance costs shall be borne by the mortgagor. After the mortgaged real property is insured, the mortgagor shall hand over the insurance policy to the mortgagee for safe custody. The mortgagee shall be the first beneficiary to receive any insurance compensation within the mortgage period.

¡¡¡¡Article 24¡¡Where an enterprise or institution legal person splits up its business or merges, the original mortgage contract executed by it

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