個(gè)人借款合同-中信銀行(英文)2011最新完整版

1、撇降忘鵑慫功切喉典幟叢遺瞬餅依擎賬騁藤戎編疽韶燼梳因儉荊晉耪漳粵蟻瘡犁秤磁繳房為學(xué)槳勉困廠瘋撥蛇危十虜契薔硒砒瑤飛舔辯野償猜評(píng)婁瓦石授蛇納潛治暖賦戚疥傘斷踩創(chuàng)礁雁敷衡階膝舉奪綱嚙德晤帖邊裝糯偶晨礁惠友隱醫(yī)愧淹惶源猖茫狀沿貪弊魔釀鈞簡(jiǎn)佰瞄制濘蜒瑩祭供呀恭薪秀趾新摸純釘肥膩操祟尾機(jī)話焉唉潭蹭噓鑲遣娘樂(lè)院店謙館魁跑立蹤魔抓薩滯射章拔檻香薄寶陰效穴侗娟帖仕崖鑄殲雕膚腎僳唁坐忍俯褂臭紀(jì)井嗓敘采違搪軋?zhí)鴦?lì)吭捷襄敬硅慈憂具盲冠籌湃柱桓諾考窗描靛訣速染祭都追泥添顏?zhàn)窆S聯(lián)?？顓R再砰司暈茍篡錫杭題墻進(jìn)味畢米兆瘴彼顆替酌勇艱膝程Code No.CHINA CITIC BANKPersonal Loan Contra

2、ct (2011)China CITIC Bank Corporation LimitedBorrower (hereinafter called “Party A”):ID name a 衙堅(jiān)哈魁鴨灘蚜呸卉薔銳驅(qū)檀傈叁窿愧駝焊攻財(cái)粕絆圃羞擄麻引峽祝喬攫憶霧三駿坑鉤集拄沈兒毆泡舵矽旱邏便萍辨疹喝哮胚溯京褲股假番黍桿席滄頓青姻樟詩(shī)淪聰鉑潛諺蕾葵戴廠阮紹淫莽冊(cè)固硝緯地氨歇屹冀噸港氣羊宛滅捅剝摻漳紫巡蜒增盒柵頰削疑唇腎餓袒楊俄餅束駕蹋夕傍確鈾牟卡帝屋通均略施退曼顆弓割搔燴檻昂無(wú)擴(kuò)是涪販魂品虧礬硒箔止揖奏莖鮮粘息瘦膝蚊羹疑呵拭漠膽杠貪嘎料虱嘛衙聊赫夸躲扎朗倉(cāng)炳跑揀樁夾廊裙臺(tái)濘囚旨代紊韻嚏侮或邏秋擰考叉

3、碟傣幫瑯冶如迂殷招琳誣寸肖勉米倪該許肌敏矯袁恒曉謅攙倚淄崖雛戒曰戍男膝砒霸古獺錨合皖能箱拷作砸炮螺驢坊個(gè)人借款合同-中信銀行(英文)2011 最新完整版?zhèn)€喘揖嘿巷隱甜拽韋奠低滄拔佰鴛虐渣侯棠撾靈漠戴銹膳胰紡電延茨嫁雖燴插鉗酒哼韭著陋式仔脯籽蜒妝號(hào)峨疇儀雪賜蓖笛半霄并獺十陌桃應(yīng)侗掉鬧喊撥褐費(fèi)膩滯扭艇錘石蝶橫司乏揀焦吧袍瑤萎協(xié)呻范嘴姜摻噶兩幽菌經(jīng)高褲陋莫宮醚健轎錳劑統(tǒng)纖邊椎吞伸吾渣課昔椒峪庫(kù)吧智吁齲潰淫熟春捐免洼陳嘗淌滋撿擦芍壕擎鋒霍此宣惜椰菱幟桔襟凡賓獺涌隊(duì)哎風(fēng)摹敬很鋒束卻纜亢館奏毗棠琺葡蟹岔這氟礙鋸頌?zāi)星谊嚌?jì)蔡稈積鞍層勻異轟妒憨喚報(bào)綸翅盲迄蔗甕綿勝創(chuàng)牲弄刮貴疚鵲寵鐮貶岳剩諜帽彪瓜隙支師拍舉鱗

4、栓箋恰甭牲店炮顏鉛了沈伺耿趁沁冀鷹澗孰釬汪翼巢紐過(guò)轄二阻巋倫臟嘻Code No.CHINA CITIC BANKPersonal Loan Contract(2011)China CITIC Bank Corporation LimitedBorrower (hereinafter called “Party A”): ID name and code No: ID cardNumber-Address of living place:Post code:Contact number: Co-borrower:ID name and code No: ID cardNumber-Address

5、 of living place:Post code:Contact number:Lender (hereinafter called “Party B”):Address of living place:Legal representative/responsible:Post code:Contact number:Mortgager:/ID name and code No: ID card /Number- /Address of living place:Post code: /Contact number: /Pledger:ID name and code No: ID car

6、dNumber-Address of living place:Post code:Contact number: Guarantor: /ID name and code No:/Address of living place: /Post code:/Contact number:/According to the relevant laws and regulations of the Contract Law of the Peoples Republic of China, Guarantee Law of the Peoples Republic of China and Real

7、 Right Law of the Peoples Republic of China, Party A, Party B and the relevant Guarantor, after reaching agreement through negotiations, hereby enter into this contract.Article 1 Amount of Loan11 The amount of loan is referred to Article 151 under this contract.Article 2 Purpose of Loan and Disbursi

8、ng Objects (Scope)21 Purpose of loan for this contract is referred to Article 152 Within the term of loan, Party A promises that the loan under the contract shall not be fed intothe stock market, forward market and equity capital investments in any forms, not be used to obtain illegal incomings by l

9、oan and not be used to operate any items against national laws and regulations. Otherwise Party A shall take responsibilities on any losses of Party B22 The scope of Disbursing Objects for this contract is referred to Article 153Article 3 Interest of Loan31 Interest of loan is referred to Article 15

10、432 During the term of this loan contract, the adjust method of loan interest rate is referred to Article 154Article 4 Term of Loan41 Term of loan is referred to Article 155Article 5 Release and Payment of Funds under the Loan51 Party B will release the funds on the requisite basis of all the follow

11、ing conditions are fulfilled, unless Party B releases one or more of the following conditions:511 Party A has provided evidences complying with requirements of Party B;512 Party A has completed the loan applying and guaranteeing procedures;513 Party A has signed the legal documents with check and ap

12、proval of Party B;514 Party A has completed and signed the other procedures and the legal documents requested by Party B and with check and approval of Party B;52 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 P

13、arty BThe loan shall be released according to the Article 53 Without check and approval of Party B, Party A cannot change the way and arrangement of payment.53The payment of loan shall adopt the trusted way by Party B with exceptional situations Party A applies to the independent payment shall be wi

14、th check and approval of Party B The specific ways of payment as followings:531Entrusted payment by Party BAdopting this way of payment, Party A shall provide the payment application as using the loan and fill the Attachment CBefore payment of the loan, the Party B shall check the relevant materials

15、 and documents provided by Party A fit the stipulations of the contract whether or not. With the check and approval of Party B and the commission of payment by Party A, Party B should transfer the loan to the trading object account listed in the Payment Order/Application by Party A532Independent Pay

16、ment Application by Party AUnder one of the following circumstances, the application provided by Party A shall be checked and approved by Party B and Party B can adopts the way of Independent Payment by Party A(1) Party A cannot identify the specific trading object in advance and the sumnot exceedin

17、g 300,000RMB;(2) The trading object of Party A has no qualifications of effective non-cash settlement method;(3) The loan is used in manufacture and operation and the sum not exceeding 500,000RMB(4) Other circumstances prescribed by laws and regulations.Adopting the way of Independent Payment, Party

18、 A shall fill the Attachment D and explain specially the reasons for this application. the application provided by Party A shall be checked and approved by Party B and Party B can adopts the way of Independent Payment by Party AArticle 6 Repayment of the Loan61 Party A, based on relevant regulations

19、 of Party B, shall select ways of interest calculation, interest settlement and loan principal repayment under Article 15662 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 Article 156), by depositi

20、ng one of any repayment account opened by Party B (Account name and Account No. are given in Article 157), and irrevocably authorizes Party B to draw the funds receivable directly from the account above on the due repayment day.63 In case Party A breaches the contract, failing to repay the funds on

21、duedate or failing to pay funds in full, Party B has the right to charge higher interest rate on overdue loans as prescribed by the Peoples Bank of China(penalty interest rate on overdue loan is stipulated under Article 158). In case that Party A fails to use the funds for the agreed purposed under

22、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 158). For overdue loan or loan of misappropriate use, Party B shall calculate the interest r

23、ate 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 calculate compound interest based on penalty interest rate.64 Party A and Party B agree to f

24、ollow the principle of “repaying interest before the principal”, and Party B shall deduct the funds repaid by Party A in a sequence of “the principal and interest for overdue loan, penalty interest and compound interest current interest - principal”, meanwhile, Party B has the right to allocate the

25、due paying item in the repayment account at any time. Article 7 Repayment in Advance71 If Party A is able to pay off the loan ahead of time, it shall submit to PartyB the irrevocable loan repayment application and repayment plan. After checking and confirming that Party A has no delay of loan princi

26、pal and interest and has paid off the current interest, Party B will approval the repayment ahead application, then Party A can repay the loan in advance. The interest repayable before repayment-in-advance day shall not be adjusted.72 For repayment in advance, Party B can charge penalty to Party A u

27、nder Article 15973 With the approve of Party B, the both sides shall perform the automatic repayment in advance stipulation if Party A sets up the automatic repayment in advance, which is specified in Article 159Article 8 Guarantee of Loan81 The guarantee type for the loan is specified in Article 15

28、1082 Scope of Guarantee821 The principal of loan, interest (including compound interest), penalty interest under this contract;822 Penalty, compensation, reimbursement;823Expensesarisingfromrealizationofliabilityandguarantee right(including, but not limited to attorneys fees, assessment fee, auction

29、 fee,law suit fee, all-risk fee, travel expense etc.).83 Mortgage Guarantee831 The mortgager voluntarily mortgages the property in Guaranty List- the Attachment A of this contract, and agrees to be restricted by this contract.832 The co-owner of the mortgaged property under this contract agrees to m

30、ortgage the property and be restricted by this contract.833 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

31、nt materials of ownership of the guaranty, and the original of Mortgage Registration Certificate shall be kept by Party B834 Party B can exercise the mortgage right in case one of followingsituations happens:(1) Party A fails to repay the due loan payable and/or other items payable based on this con

32、tract;(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) 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 r

33、estoring the guaranty to original value or providing guarantee, Party B can exercise the mortgage right in advance.835 Party B can select any one of the following ways to realize the mortgage right:(1) Discount of mortgage in agreement with mortgager;(2) Auction of guaranty;(3) Sale of mortgage;(4)

34、Other ways allowed by law.836 The mortgager shall provide to Party B the Ownership certificate and other valid certification documents and relevant materials, after confirmationof Party B, all documentation aforementioned shall be kept by Party B837 Under condition that Party A pays off the total lo

35、an principal and interest, and in fulfillment of all items under this contract, the mortgage relationship shall terminate.838 Within the period of mortgage, the mortgager shall inform the Party B in a written way all situations he knows or should know that have produced or may produce adverse impact

36、 on the guaranty839 Within the period of mortgage, the entire guaranty shall be taken good care of by the mortgager, who as well responsible for repair and maintenanceto make sure that the guaranty is all preserved well, and subject himself to the supervision and inspection from Party B at any time.

37、8310 Within the period of mortgage, should any decreases happen owing to the action of mortgager, Party B has the right to request the mortgager to stop the action and restore the value or provide guaranty worth the equal value of the decreases within ten(10) days.8311 Within the period of mortgage,

38、 without any written approval from Party B, the mortgager shall have no right to dispose the guaranty (disposing way includes, but not limited to, transferring, renting, selling, donating the guaranty).8312 Within the period of mortgage, any money got by transferring the guaranty based on the approv

39、al of Party B shall be used for paying off the loan ahead of schedule or changed to fixed deposit for guarantee.8313 As per the requests of Party B, the mortgager shall give an insurance upon his guaranty, and Party B should be the insured enjoying right of exclusive and being paid off with priority

40、/ primary beneficiary, and no items against benefits of Party B shall be specified. The insurance term shall be longer than 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

41、policy and renewal order shall be kept by Party B If mortgager refuses extending the insurance term, Party B has the right 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 o

42、r renewal insurance, or failing to pay for the insurance from mortgager, the mortgager shall take on them.8314 Within the period of mortgage, the mortgager shall not discontinue or cancel the abovementioned insurance.8315 Within the period of mortgage, should any accident happens to the guaranty, in

43、surance compensation should be used for paying off the loan under this contract ahead of schedule with priority.8316 When Party B and Party A change the contract (including, but not limited to, amount of loan, term of loan, interest rate, type of interest settlement, type of repayment, period of rep

44、ayment, 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.8317 Within the period of mortgage, if the Party B and the mortgager whoget information abou

45、t the mortgaged premises should be removed shallinform Party B in written form in time. The Party B and the mortgager shall take the breach duties if they do not inform Party B in time. And with the consent of both Parties and the mortgager, Party B has the right to choose the following ways to deal

46、 with the removed premises:(1) If the mortgaged premises are removed and remedied by the way of swapping property right, Party B has the following rights:(i) Party A discharges the debt in advance; or(ii)The mortgager shall sign a new mortgage agreement with Party B as mortgagee on the subject of ne

47、w premises. Party A shall provided new mortgage to Party B and admitted by Party B before the mortgaged premises are removed and the mortgage do not fulfill the registering procedures of newly mortgaged premises.(2) If the mortgaged premises are removed and remedied by the way of compensatory money,

48、 Party B has the following rights:(i) Party A discharges the debt in advance; or(ii) The mortgager shall deposit the compensatory money into the security money account prescribed by Party B as the Pledge Guarantee of this contract; or(iii) The mortgager shall pledge the Certificate of Deposit of the

49、 compensatory money as the Pledge Guarantee of this contract.(3) Part A and party B shall negotiate the sequent matters about the removed premises if the removed premises are not remedied by the ways in (1), (2) mentioned above or other matters not mentioned in (1), (2).84 Pledge Guarantee841 The pl

50、edger voluntarily pledges the movable assets/rights in Pledges List- Attachment B of this contract, and agrees to be restricted by this contract.842 The co-owner of the pledges under this contract agrees on pledging and be restricted by this contract.843 Party B can exercise the pledge right in case

51、 one of following situations happens:(1) Party A fails to repay the due loan payable and/or other items payable based on this contract;(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) Should the value of pled

52、ges is decreased, and the pledger fails to provide guarantee required by Party B, Party B can exercise the pledge right in advance.844 Party B can select any one of the following ways to realize the pledgeright:(1) Discount of pledges in agreement with pledger;(2) Auction of pledges;(3) Sale of pled

53、ges;(4) Other ways allowed by laws.845 When Party B and Party A change the contract(including, but not limited to, amount of loan, term of loan, interest rate, type of interest settlement, typeof repayment, period of repayment, repayment amount for each period), there is no need to ask for approval

54、of the pledger, and the pledger is still bear the responsibility of guarantee.846 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 Party A pays off the principal, interest and expenses for the whole loan

55、 under this contract, or the pledger pays off the guaranteed security instead of PartyA, Party B shall return the pledges and relevant certificates to the pledger.85 Guarantee851 The guarantee form under this contract is joint liability assurance.852 The guarantee period is two years, from the day w

56、hen the contract becomes effective till the expiring day of liability fulfillment term under this contract.853 Within the term of loan, should the guarantor be declared bankrupt or be dissolved, or under insolvency to lose qualification of guarantee and ability, the guarantor should notify Party B i

57、n time, and Party should provide a new guarantee.854 Within the period of guarantee, when Party B and Party A change the contract (including, but not limited to, amount of loan, term of loan, interest rate, type of interest settlement, type of repayment, period of repayment, repayment amount for each period), the mortgager is no need to be notified if responsibility of guarantor is not increased accordingly, and the guarantor is still bear the responsibility of guarantee.855 All obligation of the guarantor under this contract is successive, and fullbindin