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The registration fee shall be paid by the mortgagor .

抵押物的登记费由抵押人支付。

Article 38 a mortgagor and a mortgagee shall conclude a mortgage contract in writing .

第三十八条抵押人和抵押权人应当以书面形式订立抵押合同。

If the mortgagor fails to fulfil liabilities within the prescribed period of time or declares dissolution or bankruptcy within the term of the mortgage contract , the mortgagee shall have the right to dispose of the mortgaged property in accordance with the laws and regulations of the state and the stipulations of the mortgage contract .

抵押人到期未能履行债务或者在抵押合同期间宣告解散、破产的，抵押权人有权依照国家法律、法规和抵押合同的规定处分抵押财产。

The mortgagor retains legal title to the land .

抵押人保留着对土地的法律上的所有权。

There being no inheritor or beneficiary upon the death of the mortgagor .

抵押人死亡而没有继承人或受遗赠人的。