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第四百条 设立抵押权，当事人应当采用书面形式订立抵押合同。
Article 400
To create a mortgage, the parties shall enter into a mortgage contract in
writing.
抵押合同一般包括下列条款：
A mortgage contract generally contains the following clauses:
（一）被担保债权的种类和数额；
(1) the type and amount of the secured claim;
（二）债务人履行债务的期限；
(2) the term during which the debtor shall perform obligations;
（三）抵押财产的名称、数量等情况；
(3) such particulars as the name and quantity of the mortgaged property; and
（四）担保的范围。
(4) the scope of the security interest covered.
第四百零一条 抵押权人在债务履行期限届满前，与抵押人约定债务人不履行到期债务时抵押财产归债权人所有的，只能依法就抵押财产优先受偿。
Article 401
Where, prior to the due date of performance of an obligation, the mortgagee
reaches an agreement with the mortgagor under which the mortgaged property
belongs to the creditor in the event that the debtor fails to perform the
obligation due, the mortgagee, regardless, may only have priority to be paid
from the mortgaged property in accordance with law.
第四百零二条 以本法第三百九十五条第一款第一项至第三项规定的财产或者第五项规定的正在建造的建筑物抵押的，应当办理抵押登记。抵押权自登记时设立。
Article 402
To create a mortgage on the property as specified in Subparagraphs (1) through
(3) of the first paragraph of Article 395, or on the building under construction
as specified in Subparagraph (5) of the first paragraph of Article 395 of this
Code, registration shall be made for the mortgage. The mortgage shall be created
upon registration.
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