借款合同個人消費貸款借款擔保合同范本

1、借款人：貸款人：抵押人：保證人：個人消費貸款借款擔保合同范本BorrowerLenderMortgagorSurety出質(zhì)人:Pledgeor為明確各方權利和義務，根據(jù)合同法、貸款通則和其他有關法律、法規(guī)，訂立本合同。ThisContractismadeinlinewiththeContractLawofthePeople'sRepublicofChinaandTheGeneralProvisionsofLoansofthePeople'sBankofChinatospecifytherightsandobligationsofpartiesinvolved.借貸條款LoanB

2、orrowingClause第一條借款金額。見36.1Article 1. Amountofloan:Referto36.1第二條借款用途。見36.2Article 2. Purposeofloan:Referto36.2第三條借款期限。Article3.Lifeofloan3.1 見36.3。3.1Referto36.33.2 借據(jù)或貸款憑證是本合同不可分割的組成部分。借款的實際款日和還款日以借款人、貸款人雙方辦理的借據(jù)或憑證上所記載的期為準。除日期外，借據(jù)或憑證其他記載事項如與本合同不一致的，本合同為準。3.2Acertificateofindebtednessoraloanvoucher

3、isanintegralpartofthisContract.Thedateofadvanceandpaymentduedateshallfollowthedatespecifiedonthecertificateofindebtednessorloanvoucher.WherethereisanyinconsistencybetweenthestipulationsonthecertificateofindebtednessorloanvoucherandtheTermsandConditionsonthisContractexceptdate,thelattershallprevail.第

4、四條借款劃付。在借款人辦妥借款手續(xù)后5個營業(yè)日內(nèi)將全部款項劃至借款人指定的賬戶，劃付次數(shù)、時間、金額見36.4。Article4Transferringofloan.ThefullamountofloanshallbetransferredtoanAccountdesignatedbytheBorrowerwithin5workingdaysfromthedateofcompletingborrowingprocedure.Referto36.4forthefrequency,timeandamountoftransferring第五條借款利率和計息。5.1 借款利率。本合同項下借款利率根據(jù)國

5、家有關規(guī)定，確定利率見36.5。遇利率調(diào)整時，借款期限在1年（含）以下的，執(zhí)行合同利率，不分段計息;借款期限在1年以上的，實行分段計息，從利率調(diào)整的次年1月1日開始，按相應利率的檔次執(zhí)行新的利率;如借款人未按約定時間歸還借款本息或未按合同約定用途使用借款，貸款人將按國家規(guī)定對借款人計收罰息，罰息率見36.6Article5.Interestrateofloanandcalculation5.1 Interestrateofloan:TheinterestrateunderthisContractisspecifiedin36.5inlinewithrelevantrules.Incaseofc

6、hangeofinterestrate,theinterestratestipulatedintheContractshallprevailforloanswithalifeoflessthanorequaltooneyear;Forloanswithalifeexceedingoneyear,theinterestshallbecalculatedonamulti-stagebasis,i.e.FromnextJan.1stfollowingtheadjustmentofinterestrate,thenewrateshallprevail.IncasetheBorrowerfailstor

7、epaytheprincipalandinterestbeforetheduedate,orfailstousetheloanforpurposesasagreedinthisContract,thelendershallbeentitledtocollectdefaultinterestinlinewithrelevantrules.Thedefaultinterestrateisspecifiedin 遇利率調(diào)整時，實行分段計息的，貸款人有權根據(jù)國家有關規(guī)定自行調(diào)整，不另行通知借款人。5.3 Incaseofcalculatinginterestonmulti-stageb

8、asisduetoadjustmentofinterestrate,thelendershallbeentitledtoadjusttheinterestrateonhisownwithoutfurthernoticetotheBorrower.第六條還款方式Article6TypeofRepaymentofLoan6.1 借款人應在貸款人開設帳戶，戶名和帳號見36.7，并保證在每次還款日前足額存入當期應還款項的存款。借款人在此授權貸款人從借款人該帳戶中扣收借款本金、利息和可能發(fā)生的復利、罰息、違約金、保費、損害賠償金及實現(xiàn)債權的費用(含律師費和訴訟費)。如該帳戶資產(chǎn)不足以歸還到期的貸款本息，

9、貸款人有權從借款人在中國工商銀行任何分支機構開立的任何帳戶劃收。6.2 TheBorrowershouldopenanaccountwiththeLender(Theaccountnameandaccountnumberarespecifiedin36.7.)andpromisetodepositsufficientmoneyforrepaymentbeforeeachduedate.TheBorrowerherebyauthorizestheLendertocollect,ifany,compoundinterest,defaultinterest,liquidateddamage,prem

10、ium,compensationandexpensesarisingfromtherealizationofcreditor'sright(includinglawyer'sfeeandcourtexpense)inadditiontodueprincipalandinterestofloan.IncasetheassetinthisAccountisnotenoughforrepaymentofdueprincipalandinterest,theLendershallbeentitledtocollectfromanyAccountopenedbytheBorrowerwi

11、thanybranchofICBC.6.3 貸款人與借款人雙方商定，自貸款發(fā)放次月起，借款人按月歸還貸款本息(一次性還本付息除外)，還款期數(shù)及還款方式見36.8。6.4 TheBorrowershallrepaytheprincipalandinterestonamonthlybasis(Exceptrepayingprincipalandinterestinalumpsum)fromthesecondmonthfollowingtheissuingofloan,asagreedbetweentheBorrowerandLender.Therepaymenttenorsandtypearesp

12、ecifiedin 借款期間遇利率調(diào)整，如執(zhí)行本合同5.1條實行分段計息的，對借款期限在1年以上的，應從利率調(diào)整的次年1月1日開始根據(jù)未償還借款余額和剩余還款期數(shù)進行調(diào)整，重新計算還款金額。6.6 Incaseofmulti-stagecalculationofinterestasspecifiedin5.1duetoadjustmentofinterestrateduringthelifeofloan,therepaymentamountforloanswithalifeexceedingoneyearshallberecalculatedonthebasisofbalanc

13、eofunpaidloanandtherestofrepaymenttenorfromnextJan.1stfollowingtheadjustmentofinterestrate.6.7 借款人提前歸還貸款須經(jīng)貸款人書面同意，提前歸還部分的利息仍按本合同約定的利率和該部分實際使用天數(shù)計算。6.8 RepaymentoftheloanaheadofschedulebytheBorrowershallbesubjecttowrittenconsentfromtheLender.Theinterestofprepaidamountshouldbecalculatedonthebasisofrate

14、specifiedinthisContractandactualdays.第七條擔保方式。本合同的擔保人及擔保方式見36.9。具體約定由本合同中相應的擔保條款確足。Article7Guarantytype.TheGuarantorandguarantytypeunderthisContractisspecifiedin36.9.Thespecificstipulationsarestatedincorrespondingguarantyclauses.第八條借款人的權利、義務Article8RightsandobligationsoftheBorrower.8.1 借款人的權利：8.1Righ

15、tsoftheBorrower.按本合同約定的期限和用途取得和使用借款ObtainandusetheloanfortheperiodandpurposesasagreedinthisContract.8.2 借款人的義務8.2ObligationsoftheBorrower8.2.1 如實提供貸款人所要求的資料(包括對外所欠款項、新發(fā)生大額借款等)配合貸款人調(diào)查、審查和檢查與借款有關的個人經(jīng)濟收入、開支等情況，并對貸款審查過程中所提供材料的真實性、準確性、完整性負責;Providetheactualdocuments(includingdebtsandlatestlargeloan)requi

16、redbytheLender;CooperatewiththeLenderfortheinvestigation,auditandexaminationofpersonalincomeandexpenseamongstotherrelevantinformation;Beresponsibleforthesufficiency,accuracyandgenuinenessofdocumentsprovided.8.2.2 自覺接受貸款人對本合同項下借款使用情況的調(diào)查、了解及監(jiān)督;8.2.3 ConsciouslyacknowledgetherightoftheLendertoinvestiga

17、te,knowandsupervisetheuseofloanunderthisContract.8.2.4 按本合同之約定清償本合同項下的借款本金及利息;不因與任何第三方糾紛為理由拒絕履行還款義務;8.2.5 RepaytheprincipalandinterestunderthisContractinfullinlinewiththestipulationsofthisContract.Neverrefusetherepaymentduetodisputeswithanythirdparty.8.2.6 承擔本合同項下有關費用的支出，包括但不限于用于公證、鑒定、評估、登記等事項的費用8.2

18、.7 BeresponsiblefortheexpensesunderthisContract,includingbutnotlimitedtoexpensesarisingfromnotarizing,appraising,assessingandregistration.8.2.8 當客觀上出現(xiàn)危及借款安全的情況時(包括擔保人發(fā)生異常情況等)，最遲在事件發(fā)生后5日以內(nèi)書面通知貸款人，并保證借款本息的償還;8.2.9 Incasesomethingwhichmayleadtotheunsafetyofloanoccurs(includingbutnotlimitedtothefactthatsomethingexceptionaloccurstotheGuarantor),theBorrowershallinformtheLenderinwritingwithin5daysofitsoccurrenceandguaranteetherepaymentofprincipalandinterestofloan.8.2.1