中文版

货款为何要宗房图

在商业交易尤其是房地产交易中，货款与宗房图之间的关系显得尤为重要。那么，货款为何要依赖宗房图呢？这背后有着怎样的逻辑和必要性？

首先，宗房图是房地产交易中的基本依据。宗房图详细记录了房地产的位置、面积、边界等信息，是确认房产权属、界定产权范围的重要凭证。对于买家而言，通过宗房图可以清晰地了解所购房产的实际情况，避免因信息不透明而导致的纠纷。对于卖家而言，宗房图则是证明其产权合法性的关键文件，有助于提升交易的透明度和可信度。

在货款交易中，宗房图的重要性不言而喻。对于银行或贷款机构来说，宗房图是其评估房产价值和确定贷款额度的重要依据。通过宗房图，金融机构可以准确判断房产的市场价值，从而决定是否给予贷款以及贷款的额度。同时，宗房图也有助于金融机构防范贷款风险，避免因房产信息不实或产权不清而导致的坏账风险。

此外，宗房图在货款交易中还具有法律效应。一旦发生纠纷或法律诉讼，宗房图可以作为有力的证据来维护双方的权益。因此，在货款交易中，要求提供宗房图不仅是出于商业考虑，更是出于法律层面的要求。

综上所述，货款依赖宗房图的原因主要在于宗房图能够确保交易双方的权益，提高交易的透明度和可信度，并为金融机构提供准确的房产评估依据，以防范贷款风险。

英文版

Why Are Mortgage Payments Tied to Property Maps?

In commercial transactions, especially in real estate transactions, the relationship between mortgage payments and property maps is particularly crucial. So, why is it necessary for mortgage payments to rely on property maps? What is the logic and necessity behind this?

Firstly, the property map serves as the fundamental basis for real estate transactions. It records detailed information about the location, area, boundaries, and other relevant details of the property, serving as an important document for confirming property ownership and defining the scope of property rights. For buyers, the property map provides a clear understanding of the actual condition of the property they are purchasing, helping to avoid disputes caused by opaque information. For sellers, the property map is a key document that proves the legality of their property rights, enhancing the transparency and credibility of the transaction.

In mortgage transactions, the importance of the property map cannot be overstated. For banks or lending institutions, the property map is a crucial basis for assessing the value of the property and determining the loan amount. Through the property map, financial institutions can accurately judge the market value of the property, thereby deciding whether to grant a loan and the amount of the loan. At the same time, the property map helps financial institutions to mitigate lending risks and avoid bad loan risks caused by inaccurate property information or unclear property rights.

Moreover, the property map also has legal effects in mortgage transactions. In case of disputes or legal proceedings, the property map can serve as strong evidence to safeguard the rights and interests of both parties. Therefore, the requirement to provide a property map in mortgage transactions is not only based on commercial considerations but also legal requirements.

In summary, the reason why mortgage payments rely on property maps is primarily due to the fact that property maps can ensure the rights and interests of both parties in the transaction, enhance the transparency and credibility of the transaction, and provide accurate property assessment basis for financial institutions to mitigate lending risks.