A mortgagor and a mortgagee shall conclude a mortgage contract in writing. 第三十八條抵押人和抵押權人應當以書面形式訂立抵押合同。
As a mortgagee bank for housing loans were repaid to the person with the purchase of mortgage contracts are reasonable. 作為抵押權人，銀行要求買房人還清貸款，才能解除其與購房人的抵押合同是合理合法的。
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