当前,不动产统一登记仍局限于个别地区,至今未能全面铺开,在一定程度上影响了银行业健康快速发展。新常态下虽然银行业创新举措频出,但房地产抵押以及在建工程抵押在银行信贷业务中仍然举足轻重。2007年10月1日施行的《物权法》第一百八十条将“正在建造的建筑物”列为可以抵押的财产,除此之外再无其他限制规定,这意味着在建工程抵押在《物权法》框架下可能有所放宽。但对银行机构而言,目前仍然主要以《城市房地产 At present, the unified registration of real estate is still confined to some areas and has not been fully rolled out to a certain extent, thus affecting the healthy and rapid development of the banking industry. Although the banking sector has taken frequent innovations under the new normal, real estate mortgages and mortgage under construction still play a decisive role in bank credit business. Article 180 of the Real Right Law, which came into force on October 1, 2007, lists “building under construction” as collateralizable property and no other restrictions apply, which means that the construction in progress Mortgage in the “Property Law” may be relaxed under the framework. However, for banking institutions, it is still mainly based on “urban real estate.”