中信銀行個(gè)人貸款合同(標(biāo)準(zhǔn)版)格式

1、FSP用范本 | DOCUMENT TEMPLATE中信銀行個(gè)人貸款合同格式Both parties jointly acknowledge and abide by their responsibilities andobligations and reach an agreed result.甲方:乙方:時(shí)間:編號：FS-DY-20553中信銀行個(gè)人貸款合同格式說明：本合同資料適用于約定雙方經(jīng)過談判、協(xié)商而共同承認(rèn)、共同遵守的責(zé)任與 義務(wù)，同時(shí)闡述確定的時(shí)間內(nèi)達(dá)成約定的承諾結(jié)果。文檔可直接下載或修改，使用 時(shí)請?jiān)敿?xì)閱讀內(nèi)容。Code No:借款人(以下簡稱甲方)：Borrower (her

2、einafter calledParty A):身份證件名稱及號碼：ID name and code No: ID cardNumber住所： Address of living place:聯(lián)系電話：Post code:郵編：Contact number:貸款人(以下簡稱乙方)：Lender (hereinafter called PartyB):住所： Address of living place:聯(lián)系電話：Post code:郵編：Contact number:抵押人：Mortgager:身份證件名稱及號碼：ID name and code No: ID cardNumber住所： A

3、ddress of living place:聯(lián)系電話：Post code:郵編：Contact number:出質(zhì)人:Pledger:身份證件名稱及號碼：ID name and code No: ID cardNumber住所： Address of living place:聯(lián)系電話：Post code:郵編：Contact number:保證人：Guarantor:身份證件名稱及號碼：ID name and code No: ID cardNumber住所： Address of living place:聯(lián)系電話：Post code:郵編：Contact number:根據(jù)中華人民共和

4、國合同法和擔(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 theContract Laws andGuarantee Law of the People ' s Republic of China, Party A,Party B and therelevant Guarantor, after reaching agreement through negotiations on the loan to Party B by Party A, here

5、by enter into this contract.第一條 借款金額 Article 1 Amount of Loan詳見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詳見本合同第十四條第二款。2.1 Purpose of loan for this contract is referred to Article 15.2.第三條 借款利率 Article 3 Interest of Loan一、借款利率詳

6、見本合同第十四條第三款。2.2 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，乙方將在營業(yè)場所對貸款利率調(diào)整情況進(jìn)行公告，不再另行書面通知甲方。2.3 During the term of this loan contract, interest may bechanged as prescribed by the People' s Bank of C

7、hina, Party B isentitled to adjust and implement the interest rate withoutfurther 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、借款期限詳見本合同第十四條第四款。4.1 Life of loan and total loan repayment terms are referredto 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

8、限。4.2 In the event that the actual funds release date is indisagreement with thedate stipulated under this contract, the life of loan shall becalculated 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)，詳見本合同第十四條第四款。第五條 借款發(fā)放 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

9、合乙方要求的 證明材料，履行了乙方要求的申請借款和擔(dān)保手續(xù)，簽署了 申請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 has providedevidences complying with requirements of Party B, and has completed the loan applying and guaranteeing procedures, and has signed the legal documents with check and approv

10、al 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（賬戶名稱、賬號詳見第十四條第 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 theloan into the account designated by Party A and approvedby Party B (accountname and account No. are given under Article 14.5).三、本合同

11、項(xiàng)下的借款發(fā)放后，甲方就所購商品或服務(wù) 發(fā)生的任何糾紛，均與乙方無關(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 thisloan by Party A has no relationship with Party B, and the contract will still befulfilled.第六條 借款償還 Article 6 Repayment of the 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

12、款方式 詳見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立的還款賬戶(賬戶名稱及賬號見第十 四條第六款)，并不可撤銷地授權(quán)乙方于當(dāng)期還款日直接從 該賬戶劃收應(yīng)收款項(xiàng)。6.

13、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 account No. are given in Article 14.6), and irrevocably

14、 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 一當(dāng)期利息一本金”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)定對甲方未支付的利息計(jì)收復(fù)利。6.3 In case Party A breaches the

15、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 Article 15.6). In case that Party A fails to use

16、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 People ' B ank of China (penalty interest rate on misappropriation of loan is stipulated under Article 15.6). For overdue loan or loan of misappropri

17、ate 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 calculate compound interest based on penalty

18、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 還款申請書及還款計(jì)劃以書面形式提交乙方，經(jīng)乙方審核同 意后即為不可撤銷。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 submit to Party B the irrevocable loan r

19、epayment 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.The interest repayable before repayme

20、nt-in-advance day shall not be 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。甲方對借款提供的擔(dān)?？蛇x擇如下方式，詳見本合同第十四條第八款。8.1 The effectiveness of guarantee terms under this contract is independent ofthis contract. The guarantee type for the loan is specified in Article 15.8.、抵押擔(dān)保 Mortgage Guar

21、antee（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)（以下簡稱抵押物）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 Guaranty List-theAttachment A of this contract, and agrees to be restricted by this contract.（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-owner of the mortgaged property

22、 under thiscontract agrees to mortgage 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)償金；8.3.2 Penalty, compensation, reimbursemen

23、t;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

24、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 relevant materials of ownership of the guaranty,

25、 and the original of Mortgage Registration Certificate shall be kept by Party B.(五)由現(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 following situations happens:1 .甲方債務(wù)履行期限屆滿，乙方未受清償或未受完全清償?shù)模?1) Party A fails to repay the due loan payable and/or other items payablebased o

26、n 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)模? 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 fullypaid off;4 .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，乙方可以提前行使抵押權(quán)。（3） The mortgager breaches the co

27、ntract 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 providing guarantee, 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 B can select any one of the followi

28、ng 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 .拍賣受償；（2） Auction of guaranty;3 .變賣受償；（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 mortgager shall provide to Party B

29、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 total loan principal and interest,an

30、d in fulf川ment of all items under this contract, the mortgage relationshipshall 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 道的對抵押權(quán)產(chǎn)生或可能產(chǎn)生不利影響的情況及時(shí)書面通 知乙方。Within the period of mortgage, the mortgager shall inform the Party B in awritten way all situations he knows or should know that have produced or mayprodu

31、ce adverse impact on the guaranty（十）抵押權(quán)存續(xù)期間，抵押人對抵押物應(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 taken goodcare of by the mortgager, who as well responsible for repair and maintenanceto make sure that the guaranty is all preserved well, and su

32、bject himself 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)?擔(dān)保。Within the period of mortgage, should any decreases happen owing to the action of mortgager, Party B has the rightto request the mortgager to stop

33、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由借、（在抵押行為成立后）由租；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)乙方書面同意，甲方不 得轉(zhuǎn)讓、變更、贈與抵押物。Within the period of mortgage, without any writtenapproval from Party

34、B,the mortgager shall have no right to dispose the guaranty（disposing wayincludes, but not limited to, transferring, renting, selling, donating theguaranty）.（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 the guaranty based on th

35、e 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)按照乙方的要求購買抵押財(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 per the requests of P

36、arty B, the mortgager shall give an insuranceupon his guaranty, and Party B should be the insured enjoying right of exclusive and being paid off with priority/ primary beneficiary, and no items against benefits of Party B shall be specified. The insurance term shall be longer than loan term under th

37、is 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 renewalorder shall be kept by Party B. If mortgager refuses extending the insurance term, Party B has the right to deal with insura

38、nce 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，抵押人不得中斷或者撤銷上 述保險(xiǎn)。Within

39、the period of mortgage, the mortgager shall not discontinue or cancel 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 loan under this contrac

40、t 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 not limited to, amount of loan, term of loan, interest rate, type of interest settlement, type of repayment, period

41、 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）由質(zhì)人自愿將本合同附件二 質(zhì)押物清單”所列明 的動產(chǎn)/權(quán)利（以下簡稱質(zhì)物） 質(zhì)押給乙方，作為甲方償還本 合同項(xiàng)下借款的

42、擔(dān)保。The pledger voluntarily pledges the movable assets/rights in Pledges List-Attachment B of this contract, and agrees to be restricted by this contract.（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 pledging and be restricted by this contract.（四）由現(xiàn)下列

43、情形之一，乙方可以行使質(zhì)權(quán)：Party can exercise the pledge right in case one of following situationshappens:1 .甲方債務(wù)履行期限屆滿，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 items payable 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 claims to t

44、ake 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，由質(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一實(shí)現(xiàn)質(zhì)權(quán)：Party

45、 B can select any one of the following ways to realize the pledge right:1 .與由質(zhì)人協(xié)議以質(zhì)物折價(jià)受償；Discount of pledges inagreement with pledger;2 .拍賣受償； Auction of pledges;3 .變賣受償；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）， 只要不加重由質(zhì)人的責(zé)任，無須征得生質(zhì)人

46、同意，由質(zhì)人仍 對本合同項(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 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）, there is no need to ask for approval of the pledger

47、, and the pledger is still bear the responsibility of guarantee.（七）生質(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)用或由質(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 還由質(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 Party

48、 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 cont

49、ract 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 fulf川ment

50、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、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 Party

51、 shouldprovide 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，向乙方

52、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, PartyA 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 comp

53、any, 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。甲方借款不用于購買或退掉本 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 o

54、n 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)?；蛘卟扇∫?方認(rèn)可的補(bǔ)救措施。9.5 Within period of this contract, should any

55、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 changes and provide a newguarantee complying with requirement of Party B or take any remedial measures approved by Party B within ten (10)

56、days.六、甲方應(yīng)當(dāng)按照乙方的要求投保保險(xiǎn)并以乙方為保險(xiǎn) 的優(yōu)先受償人。本合同履行期間，甲方不得中斷、撤銷保險(xiǎn)。9.6 Party A shall be responsible for handling the attorney service, registry,insurance, notarization, evaluation etc related to the contract and all expenses.七、本合同項(xiàng)下的按揭律師服務(wù)費(fèi)、保險(xiǎn)費(fèi)、評估費(fèi)、 公證費(fèi)等費(fèi)用按照相關(guān)規(guī)定或由甲乙雙方協(xié)商承擔(dān)。第十條 違約責(zé)任 Article 10 Default Liability

57、一、發(fā)生下列情況之一即構(gòu)成違約：10.1 Fault liability occurs in case any one of the following situations happens:(一)甲方改變借款用途；Party A changes the purpose of the loan;（二）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；Party A breaches the contract, failing to repay the funds on due date or failing to pay funds in full;（三）甲方提供的證明、資料等文件有虛假

58、、非法的情況；The certificates and materials provided by Party A are fake or illegal;（四）甲方死亡、被宣告死亡、被宣告失蹤、喪失民事 行為能力后無繼承人、受遺贈人、財(cái)產(chǎn)代管人、監(jiān)護(hù)人或者 其繼承人、受遺贈人、財(cái)產(chǎn)代管人、監(jiān)護(hù)人拒絕履行本合同；Party A is deceased, declared disappearance or death, no heirs, donatee, property keeper, guardian after losing the capacity of civil conduct, or his heir, donatee, property ke