中信銀行個(gè)人貸款合同中英文版

1、中信銀行個(gè)人貸款合同中英文版借款人 (以下簡(jiǎn)稱(chēng)甲方 )： Borrower (hereinafter called Party A):身份證件名稱(chēng)及號(hào)碼：ID name and code No: ID card Number住所： Address of living place:聯(lián)系電話(huà)： Post code: 郵編： Contact number:貸款人 (以下簡(jiǎn)稱(chēng)乙方 )： Lender (hereinafter called Party B):住所： Address of living place:聯(lián)系電話(huà)： Post code: 郵編： Contact number:抵押人： Mort

2、gager:身份證件名稱(chēng)及號(hào)碼：ID name and code No: ID card Number住所： Address of living place:聯(lián)系電話(huà)： Post code: 郵編： Contact number:出質(zhì)人： Pledger:身份證件名稱(chēng)及號(hào)碼：ID name and code No: ID card Number住所： Address of living place:聯(lián)系電話(huà)： Post code: 郵編： Contact number:保證人： Guarantor:身份證件名稱(chēng)及號(hào)碼：ID name and code No: ID card Number住所：

3、 Address of living place:聯(lián)系電話(huà)： Post code: 郵編： Contact number:根據(jù)中華人民共和國(guó)合同法和擔(dān)保法的相關(guān)規(guī)定， 甲方、乙方和擔(dān)保方經(jīng)過(guò)協(xié)商，就乙方向甲方貸款事宜達(dá)成如下合同條款。According to the relevant laws and regulations of the Contract LawsandGuarantee Law of the Peoples Republic of China, Party A, Party B and therelevant Guarantor, after reaching agreem

4、ent through negotiations on the loan to Party B by Party A, hereby enter into this contract.第一條借款金額 Article 1 Amount of Loan詳見(jiàn)本合同第十四條第一款。1.1 The amount of loan is referred to Article 14.1 under this contract.第二條借款用途 Article 2 Purpose of Loan詳見(jiàn)本合同第十四條第二款。2.1 Purpose of loan for this contract is refer

5、red to Article 15.2.第三條借款利率 Article 3 Interest of Loan一、借款利率詳見(jiàn)本合同第十四條第三款。3.1 Interest of loan is referred to Article 14.3. The interest is calculated from the day releasing loan.二、本合同履行期間， 遇中國(guó)人民銀行貸款利率調(diào)整，借款利率按有關(guān)規(guī)定調(diào)整與執(zhí)行， 乙方將在營(yíng)業(yè)場(chǎng)所對(duì)貸款利率調(diào)整情況進(jìn)行公告，不再另行書(shū)面通知甲方。3.2 During the term of this loan contract, inter

6、est may be changedas prescribed by the Peoples Bank of China, Party B is entitled to adjustand implement the interest rate without further notice to Party A.第四條借款期限及還款總期數(shù)Article 4 Life of Loan and Total Loan Repayment Terms一、 借款期限詳見(jiàn)本合同第十四條第四款。4.1 Life of loan and total loan repayment terms are refer

7、red to Article 14.4.二、實(shí)際借款發(fā)放日與本合同約定的日期不一致時(shí)，以實(shí)際借款發(fā)放日為準(zhǔn)計(jì)算借款期限。4.2 In the event that the actual funds release date is in disagreement with thedate stipulated under this contract, the life of loan shall be calculated based onthe actual day of funds releasing.三、甲、乙雙方約定甲方按期還款，確定還款總期數(shù)，詳見(jiàn)本合同第十四條第四款。第五條借款發(fā)放

8、Article 5 Release of Funds under the Loan一、乙方發(fā)放借款的前提是甲方提供了符合乙方要求的證明材料，履行了乙方要求的申請(qǐng)借款和擔(dān)保手續(xù)，簽署了申請(qǐng)借款所需法律文件并經(jīng)乙方審查同意。5.1 Party B will release the funds under condition that Party A hasprovidedevidences complying withrequirementsofParty B, and hascompleted the loan applying and guaranteeing procedures, and

9、hassigned the legal documents with check and approval of Party B.二、甲方授權(quán)乙方在審查同意后，將借款直接劃入甲方指定并經(jīng)乙方認(rèn)可的賬戶(hù) (賬戶(hù)名稱(chēng)、賬號(hào)詳見(jiàn)第十四條第五款)，即為乙方依約履行了向甲方提供借款的義務(wù)。5.2 After funds release is approved, Party A will grant Party B to transfer the loan into the account designated by Party A and approved by Party B (account nam

10、e and account No. are given under Article 14.5).三、本合同項(xiàng)下的借款發(fā)放后， 甲方就所購(gòu)商品或服務(wù)發(fā)生的任何糾紛，均與乙方無(wú)關(guān)，本合同應(yīng)正常履行。5.3 After releasing of the loan, any disputes under the use of funds under this loan by Party A has no relationship with Party B, and the contract will still be fulfilled.第六條借款償還 Article 6 Repayment of t

11、he Loan一、 甲方應(yīng)根據(jù)乙方相關(guān)貸款辦法規(guī)定，在下述四種還款方式中選擇一種方式歸還借款本息， 甲方選擇的還款方式詳見(jiàn)本合同第十四條第六款：6.1 Party A, based on relevant regulations of Party B, shall select ways of interest calculation, interest settlement and loan principal repayment under Article 14.6.二、甲方應(yīng)當(dāng)于乙方規(guī)定的每期還款日(詳見(jiàn)第十四條第六款 )前，將當(dāng)期應(yīng)償還的借款本息及逾期的罰息、復(fù)利等足額存入在乙方開(kāi)立的

12、還款賬戶(hù) (賬戶(hù)名稱(chēng)及賬號(hào)見(jiàn)第十四條第六款)，并不可撤銷(xiāo)地授權(quán)乙方于當(dāng)期還款日直接從該賬戶(hù)劃收應(yīng)收款項(xiàng)。6.2 The Party A shall pay off the principal, interest and other items in full priorto the stipulated due repayment day under this contract (details under Article15.6), by depositing one of any repayment account opened by Party B (account name and a

13、ccount No. are given in Article 14.6), and irrevocably authorizes Party B to draw the funds receivable directly from the account above on the due repayment day.三、甲、乙雙方同意遵循先還息后還本的原則，乙方按照 期前逾期本息、罰息和復(fù)利當(dāng)期利息本金的順序扣劃甲方還入款項(xiàng)。甲方違反本合同約定， 逾期或未按約定的金額歸還借款本息，乙方有權(quán)按照人民銀行的規(guī)定對(duì)逾期借款加收罰息。甲方逾期或未按約定的金額償還借款利息時(shí)， 乙方有權(quán)按人民銀行的規(guī)定

14、對(duì)甲方未支付的利息計(jì)收復(fù)利。6.3 In case Party A breaches the contract, failing to repay the funds on duedate or failing to pay funds in full, Party B has the right to charge higher interestrate on overdue loans as prescribed by the Peoples Bank of China(penalty interest rate on overdue loan is stipulated under Ar

15、ticle15.6). In case that Party A fails to use the funds for the agreed purposed under this contract, Party B has the right to charge penalty interest rate on overdue loans as prescribed by the Peoples Bank of China (penalty interest rate on misappropriation of loan is stipulated under Article 15.6).

16、 For overdue loan or loan of misappropriate use, Party B shall calculate the interest rate based on penalty interest rate from the day of overdue loan or misappropriate use of loan till the principal and interest are paid off. If Party A fails to pay off the interest on due date, Party B shall calcu

17、late compound interest based on penalty interest rate.第七條提前還款 Article 7 Repayment in Advance甲方如欲提前還款， 應(yīng)于擬提前還款日前三十日將提前還款申請(qǐng)書(shū)及還款計(jì)劃以書(shū)面形式提交乙方，經(jīng)乙方審核同意后即為不可撤銷(xiāo)。甲方經(jīng)乙方審核確認(rèn)甲方未有拖欠借款本息及已還清當(dāng)期本息后方可提前還款。提前還款日前已計(jì)收的利息不作調(diào)整。提前還款，乙方有權(quán)按提前還款金額的%計(jì)收損失補(bǔ)償金。7.1 If Party A is able to pay off the loan ahead of time, it shall sub

18、mit to Party B the irrevocable loan repayment application and repayment plan. After checkingand confirming that Party A has no delay of loan principal and interest and haspaid off the current interest, Party B will approval the repayment ahead application, then Party A can repay the loan in advance.

19、The interest repayable before repayment-in-advance day shall notbe adjusted.第八條借款擔(dān)保 Article 8 Guarantee of Loan本合同項(xiàng)下的擔(dān)保條款的效力獨(dú)立于本合同。甲方對(duì)借款提供的擔(dān)保可選擇如下方式，詳見(jiàn)本合同第十四條第八款。8.1 The effectiveness of guarantee terms under this contract isindependent ofthis contract. The guarantee type for the loan is specified i

20、n Article15.8.一、抵押擔(dān)保Mortgage Guarantee(一)抵押人自愿將本合同附件一 抵押物清單 所列明的財(cái)產(chǎn) (以下簡(jiǎn)稱(chēng)抵押物 )抵押給乙方，作為甲方償還本合同項(xiàng)下借款的擔(dān)保。8.4.1 The mortgager voluntarily mortgages the property in GuarantyList-theAttachment A of this contract, and agrees to be restricted by thiscontract.(二)本合同抵押物的共有權(quán)人同意將本合同項(xiàng)下的抵押物作抵押，并同意受本合同約束8.4.2 The co

21、-owner of the mortgaged property under this contract agrees tomortgage the property and be restricted by this contract.(三)抵押擔(dān)保范圍： Scope of Guarantee1.本合同項(xiàng)下的借款本金、利息(含復(fù)利 )、罰息 ;8.3.1 The principal of loan, interest (including compound interest),penalty interest under this contract;2. 違 約 金 、 賠 償 金 、 補(bǔ)

22、償 金 ;8.3.2 Penalty, compensation, reimbursement;3. 為實(shí)現(xiàn)債權(quán)和抵押權(quán)而支付的費(fèi)用 (包括但不限于因違約方產(chǎn)生的律師費(fèi)、抵押物處置費(fèi) )。8.3.3 Expenses arising from realization of liability and guarantee right(including,but not limited to attorneys fees, assessment fee, auction fee, law suit fee,all-risk fee, travel expense etc.).(四)抵押人必須依照法

23、律規(guī)定辦理抵押物的登記手續(xù)。抵押人向乙方提供該抵押物的所有權(quán)證明文件及有關(guān)資料，抵押登記證明文件正本交乙方保管。8.4 The mortgager shall complete the registration of mortgaged property based on laws and regulations. The mortgager shall take on the fees for the mortgaged property. The mortgager shall provide to the Party B the evidence documents and releva

24、nt materials of ownership of the guaranty, and the original of Mortgage Registration Certificate shall be kept by Party B.(五)出現(xiàn)下列情形之一，乙方可以行使抵押權(quán)：8.4 Party B can exercise the mortgage right in case one of followingsituations happens:1.甲方債務(wù)履行期限屆滿(mǎn)，乙方未受清償或未受完全清償?shù)?(1) Party A fails to repay the due loan p

25、ayable and/or other itemspayablebased on this contract;2.甲方違反本合同的約定，乙方宣布提前收回借款，乙方未受清償或未受完全清償?shù)?;(2) Party breaches the contract, party B claims to take back the loan in advance, and Party B fails to be paid off or not fully paid off;3.抵押人違反本合同的約定，擅自處分抵押物，或?qū)嵤┳阋允沟盅何飪r(jià)值減少的行為，乙方要求抵押人恢復(fù)原狀或者提供擔(dān)保遭拒絕，乙方可以提前行使

26、抵押權(quán)。(3) The mortgager breaches the contract by disposing the guaranty, or implements action enough to decrease the value of guaranty, and Party B is refused of restoring the guaranty to original value or providingguarantee, Party B can exercise the mortgage right in advance.(六)乙方可選擇下列方式之一實(shí)現(xiàn)抵押權(quán)：Party

27、 B can select any one of the following ways to realize the mortgage right:1.與抵押人協(xié)議以抵押物折價(jià)受償;(1) Discount of mortgage in agreement with mortgager;2.拍賣(mài)受償 ;(2) Auction of guaranty;3.變賣(mài)受償 ;(3) Sale of mortgage;4.法律允許的其他方式。(4) Other ways allowed by law.(七)抵押人應(yīng)向乙方提供抵押物的權(quán)利證書(shū)及其他有效證明文件和相應(yīng)資料，經(jīng)乙方確認(rèn)后，由乙方保管。The m

28、ortgager shall provide to Party B the Ownership certificate and other valid certification documents and relevant materials, after confirmation of Party B, all documentation aforementioned shall be kept by Party B.(八)甲方還清全部貸款本息及其它應(yīng)付款項(xiàng)，并履行了本合同的全部條款，則抵押關(guān)系終止。Under condition that Party A pays off the tot

29、al loan principal andinterest,and in fulfillment of all items under this contract, the mortgagerelationshipshall terminate.(九)抵押權(quán)存續(xù)期間，抵押人應(yīng)將其所知道或應(yīng)當(dāng)知道的對(duì)抵押權(quán)產(chǎn)生或可能產(chǎn)生不利影響的情況及時(shí)書(shū)面通知乙方。Within the period of mortgage, the mortgager shall inform theParty B in awrittenway all situations he knows or should know t

30、hat haveproduced or mayproduce adverse impact on the guaranty(十)抵押權(quán)存續(xù)期間，抵押人對(duì)抵押物應(yīng)當(dāng)妥善保管;負(fù)有維修、保養(yǎng)、保持抵押物完整無(wú)損的義務(wù)并隨時(shí)接受乙方的監(jiān)督與檢查。Within the period of mortgage, the entire guaranty shall be takengoodcare of by the mortgager, who as well responsible for repair andmaintenanceto make sure that the guaranty is al

31、l preserved well, and subjecthimself to thesupervision and inspection from Party B at any time.(十一 )抵押權(quán)存續(xù)期間，抵押人的行為足以使抵押物價(jià)值減少時(shí)，乙方有權(quán)要求抵押人停止該行為， 并要求抵押人在十日內(nèi)恢復(fù)抵押物的價(jià)值或者提供與減少價(jià)值相當(dāng)?shù)膿?dān)保。Within the period of mortgage, should any decreases happen owing to the action of mortgager, Party B has the right to request

32、 the mortgager to stop the action and restore the value or provide guaranty worth the equal value of the decreases within ten(10) days.(十二 )抵押權(quán)存續(xù)期間，抵押人可以將抵押物出借、(在抵押行為成立后 )出租 ;抵押人在從事上述行為前，均需及時(shí)通知貸款人，若上述行為影響債權(quán)安全， 貸款人有權(quán)要求抵押人禁止實(shí)施上述行為。未經(jīng)乙方書(shū)面同意，甲方不得轉(zhuǎn)讓、變更、贈(zèng)與抵押物。Within the period of mortgage, without any wri

33、tten approval fromParty B,the mortgager shall have no right to dispose the guaranty (disposingwayincludes, but not limited to, transferring, renting, selling, donatingtheguaranty).(十三 )抵押權(quán)存續(xù)期間，經(jīng)乙方同意的抵押物轉(zhuǎn)讓所得價(jià)款，應(yīng)提前清償本合同項(xiàng)下的債務(wù)或轉(zhuǎn)為定期存款質(zhì)押。8.4.12 Within the period of mortgage, any money got by transferring

34、the guaranty based on the approval of Party B shall be used for paying off the loan ahead of schedule or changed to fixed deposit for guarantee.(十四 )抵押人應(yīng)當(dāng)按照乙方的要求購(gòu)買(mǎi)抵押財(cái)產(chǎn)等保險(xiǎn)并以乙方為優(yōu)先受償人， 且不得約定任何有損乙方權(quán)益的條款。保險(xiǎn)期限應(yīng)長(zhǎng)于借款期限，如本合同借款展期， 抵押人同意繼續(xù)辦理抵押物延長(zhǎng)投保的手續(xù)。保險(xiǎn)單和續(xù)保單正本由乙方保管。如抵押人拒絕辦理續(xù)保手續(xù)，乙方可以代替抵押人直接辦理續(xù)保手續(xù)，續(xù)保費(fèi)用由抵押人承擔(dān)。As

35、 per the requests of Party B, the mortgager shall give an insurance upon his guaranty, and Party B should be the insured enjoying rightof exclusive and being paid off with priority/ primary beneficiary, and no items against benefits of Party B shall be specified. The insurance termshall be longer th

36、an loan term under this contract. If term of loan under this contract is extended, the mortgager shall agree on the renewal insurance for the guaranty. The originals of insurance policy and renewal order shall be kept by Party B. If mortgager refuses extending the insurance term, Party B has the rig

37、ht to deal with insurance term extending instead of mortgager, and the renewal insurance cost shall be taken on by the mortgager. Should any losses caused by refusal of insurance or renewal insurance, or failing to pay for the insurance from mortgager, the mortgager shall take on them.(十五 )抵押權(quán)存續(xù)期間，抵

38、押人不得中斷或者撤銷(xiāo)上述保險(xiǎn)。 Within the period of mortgage, the mortgager shall not discontinueorcancel the abovementioned insurance.(十六 )抵押權(quán)存續(xù)期間，抵押物發(fā)生保險(xiǎn)事故，保險(xiǎn)賠償金應(yīng)當(dāng)用于提前清償本合同項(xiàng)下的債務(wù)。Within the period of mortgage, should any accident happens to the guaranty, insurance compensation should be used for paying off the lo

39、an under this contract ahead of schedule with priority.(十七 )乙方與甲方變更本合同(包括但不限于借款金額、期限、利率、結(jié)息方式、還款方式，還款期數(shù)、每期還款額)，只要不加重抵押人的責(zé)任，無(wú)須征得抵押人同意，抵押人仍承擔(dān)擔(dān)保責(zé)任。When Party B and Party A change the contract (including, but notlimited to, amount of loan, term of loan, interest rate, type of interest settlement, type of

40、 repayment, period of repayment, repayment amount for each period), the mortgager is no need to be notified if responsibility of mortgager is not increased accordingly, and the mortgager is still bear the responsibility of guarantee.二、質(zhì)押擔(dān)保Pledge Guarantee(一)出質(zhì)人自愿將本合同附件二 質(zhì)押物清單 所列明的動(dòng)產(chǎn) / 權(quán)利 (以下簡(jiǎn)稱(chēng)質(zhì)物 )質(zhì)押

41、給乙方，作為甲方償還本合同項(xiàng)下借款的擔(dān)保。The pledger voluntarily pledges the movable assets/rights in PledgesList-Attachment B of this contract, and agrees to be restricted by thiscontract.(二)本合同質(zhì)物的共有權(quán)人同意將本合同項(xiàng)下的質(zhì)物作質(zhì)押，并同意受本合同約束。The co-owner of the pledges under this contract agrees on pledgingand be restricted by this c

42、ontract.(四)出現(xiàn)下列情形之一，乙方可以行使質(zhì)權(quán)：Party can exercise the pledge rightin case one of followingsituationshappens:1.甲方債務(wù)履行期限屆滿(mǎn)，乙方未受清償或未受完全清償?shù)?Party A fails to repay the due loan payable and/or other itemspayable based on this contract;2.乙方根據(jù)本合同的約定，提前收回借款，乙方未受清償或未受完全清償?shù)?;Party breaches the contract, party B

43、claims to take back the loan in advance, and Party B fails to be paid off or not fully paid off;3.質(zhì)物價(jià)值減少，出質(zhì)人未按照乙方要求提供擔(dān)保的，乙方可以提前行使質(zhì)權(quán)。Should the value of pledges is decreased, and the pledger fails to provide guarantee required by Party B, Party B can exercise the pledge right in advance.(五)乙方可選擇下列方式之

44、一實(shí)現(xiàn)質(zhì)權(quán)：Party B can select any one of the following ways to realize the pledge right:1.與出質(zhì)人協(xié)議以質(zhì)物折價(jià)受償;Discount of pledges in agreementwith pledger;2.拍賣(mài)受償 ;Auction of pledges;3.變賣(mài)受償 ;Sale of pledges;4.法律允許的其他方式。Other ways allowed by laws.(六)甲方與乙方變更本合同 (包括但不限于借款金額、 期限、利率、結(jié)息方式、還款方式、還款期數(shù)、每期還款額)，只要不加重出質(zhì)人的責(zé)任

45、，無(wú)須征得出質(zhì)人同意， 出質(zhì)人仍對(duì)本合同項(xiàng)下的債務(wù)承擔(dān)擔(dān)保責(zé)任。When Party B and Party A change the contract(including, but notlimited to, amount of loan, term of loan, interest rate, type of interest settlement, type of repayment, period of repayment, repayment amount for each period), there is no need to ask for approval of the

46、pledger, and the pledger is still bear the responsibility of guarantee.(七)出質(zhì)人應(yīng)將質(zhì)物或質(zhì)押權(quán)利憑證交乙方保管。甲方償還本合同項(xiàng)下的全部借款本金、 利息及費(fèi)用或出質(zhì)人代甲方清償所擔(dān)保的債權(quán)，乙方應(yīng)將質(zhì)物及其相關(guān)證明文件返還出質(zhì)人。The pledger shall provide to Party B the evidence certificates, after confirmation of Party B, and all certificates shall be kept by Party B. When

47、Party A pays off the principal, interest and expenses for the whole loan under this contract, or the pledger pays off the guaranteed security instead of Party A, Party B shall return the pledges and relevant certificates to the pledger.三、保證擔(dān)保Guarantee(一)本合同的保證方式為連帶責(zé)任保證。The guarantee form under this

48、contract is joint liability assurance.(二)保證人保證擔(dān)保的范圍：1.本合同項(xiàng)下的借款本金、利息(含復(fù)利 )、罰息 ;2.違約金、賠償金、補(bǔ)償金;3.為實(shí)現(xiàn)債權(quán)和質(zhì)權(quán)而支付的費(fèi)用(包括但不限于因違約方發(fā)生的律師費(fèi) )。(三)保證人保證責(zé)任的保證期間自本合同生效之日起，至本合同項(xiàng)下債務(wù)履行期限屆滿(mǎn)之日起兩年。The guarantee period is two years, from the day when the contract becomes effective till the expiring day of liability fulfillm

49、ent term under this contract.(四)在借款期內(nèi)，保證人發(fā)生被宣告破產(chǎn)、被依法撤銷(xiāo)、解散、資不抵債等喪失擔(dān)保資格和能力的變故時(shí)，保證人應(yīng)及時(shí)通知乙方，甲方應(yīng)提供新的擔(dān)保。Within the term of loan, should the guarantor be declared bankrupt or bedissolved, or under insolvency to lose qualification of guarantee and ability, theguarantor should notify Party B in time, and Par

50、ty should provide a new guarantee.第 九條其他權(quán)利 與義務(wù)Article 9 Miscellaneous Rights andObligations一、甲方保證提供的申請(qǐng)借款文件是真實(shí)、有效、合法的，并接受乙方的監(jiān)督和檢查。9.1 Party A shall ensure the loan application data are complete, true, valid andlegal, and cooperate with Party A to investigate, censor and check the data.二、甲方應(yīng)定期或隨時(shí)應(yīng)乙方要求

51、，向乙方提供真實(shí)反映甲方財(cái)務(wù)狀況或收入情況的文件或證明。9.2 At regular time or any time requested by Party B, Party A should providethe documents or certificates reflecting truly the financial status or income ofParty A.三、本合同履行期間，甲方單位、住所、聯(lián)系方式等發(fā)生變化，應(yīng)在變化發(fā)生后十日內(nèi)通知乙方。9.3 Within period of this contract, should any changes occur in c

52、ompany, address, contact way of Party A, he shall inform Party B within ten (10) days after the changes.四、甲方不得挪用借款。 甲方借款不用于購(gòu)買(mǎi)或退掉本合同約定的商品或服務(wù)，應(yīng)按提前還款與乙方結(jié)算，否則，視為改變借款用途挪作他用。9.4 Party A shall not use the loan funds for other purpose than that prescribedunder this contract. If Party A does not use the loan

53、 on the agreed purpose under this contract, he should clear the loan with Party B ahead of schedule, otherwise, Party A shall be treated as misappropriate use of loan.五、本合同履行期間， 擔(dān)保人發(fā)生或可能發(fā)生影響其擔(dān)保能力的變化，甲方應(yīng)當(dāng)在變化發(fā)生的五日內(nèi)書(shū)面通知乙方并應(yīng)當(dāng)在十日內(nèi)提供新的、符合乙方要求的擔(dān)保或者采取乙方認(rèn)可的補(bǔ)救措施。9.5 Within period of this contract, should any changes happens or may happento the guarantor that influence his guaranteeing ability, Party A should notifyParty B in written way within five (5) days after the