中信銀行個(gè)人貸款合同中英文版

中信銀行個(gè)人貸款合同中英文版借款人(以下簡稱甲方)：borrower(hereinaftercalledpartya):身份證件名稱及號碼：idnameandcodeno:idcardnumber住所：addressoflivingplace:聯(lián)系電話：postcode:郵編：contactnumber:貸款人(以下簡稱乙方)：lender(hereinaftercalledpartyb):住所：addressoflivingplace:聯(lián)系電話：postcode:郵編：contactnumber:抵押人：mortgager:身份證件名稱及號碼：idnameandcodeno:idcardnumber住所：addressoflivingplace:聯(lián)系電話：postcode:郵編：contactnumber:出質(zhì)人：pledger:身份證件名稱及號碼：idnameandcodeno:idcardnumber住所：addressoflivingplace:聯(lián)系電話：postcode:郵編：contactnumber:保證人：guarantor:身份證件名稱及號碼：idnameandcodeno:idcardnumber住所：addressoflivingplace:聯(lián)系電話：postcode:郵編：contactnumber:根據(jù)中華人民共和國合同法和擔(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。accordingtotherelevantlawsandregulationsofthecontractlawsandguaranteelawofthepeople'srepublicofchina,partya,partybandtherelevantguarantor,afterreachingagreementthroughnegotiationsontheloantopartybbypartya,herebyenterintothiscontract.第一條借款金額article1amountofloan詳見本合同第十四條第一款。theamountofloanisreferredtoarticleunderthiscontract.第二條借款用途article2purposeofloan詳見本合同第十四條第二款。purposeofloanforthiscontractisreferredtoarticle第三條借款利率article3interestofloan一、借款利率詳見本合同第十四條第三款。interestofloanisreferredtoarticletheinterestiscalculatedfromthedayreleasingloan.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。duringthetermofthisloancontract,interestmaybechangedasprescribedbythepeople'sbankofchina,partybisentitledtoadjustandimplementtheinterestratewithoutfurthernoticetopartya.第四條借款期限及還款總期數(shù)article4lifeofloanandtotalloanrepaymentterms一、借款期限詳見本合同第十四條第四款。lifeofloanandtotalloanrepaymenttermsarereferredtoarticle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。intheeventthattheactualfundsreleasedateisindisagreementwiththedatestipulatedunderthiscontract,thelifeofloanshallbecalculatedbasedontheactualdayoffundsreleasing.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article5releaseoffundsundertheloan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。partybwillreleasethefundsunderconditionthatpartyahasprovidedevidencescomplyingwithrequirementsofpartybandhascompletedtheloanapplyingandguaranteeingprocedures,andhassignedthelegaldocumentswithcheckandapprovalofpartyb.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)。afterfundsreleaseisapproved,partyawillgrantpartybtotransfertheloanintotheaccountdesignatedbypartyaandapprovedbypartyb(accountnameandaccountno.aregivenunderarticle).三、本合同項(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。afterreleasingoftheloan,anydisputesundertheuseoffundsunderthisloanbypartyahasnorelationshipwithpartyb,andthecontractwillstillbefulfilled.第六條借款償還article6repaymentoftheloan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本合同第十四條第六款：partya,basedonrelevantregulationsofpartyb,shallselectwaysofinterestcalculation,interestsettlementandloanprincipalrepaymentunderarticle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)。thepartyashallpayofftheprincipal,interestandotheritemsinfullpriortothestipulatedduerepaymentdayunderthiscontract(detailsunderarticle),bydepositingoneofanyrepaymentaccountopenedbypartyb(accountnameandaccountno.aregiveninarticle),andirrevocablyauthorizespartybtodrawthefundsreceivabledirectlyfromtheaccountaboveontheduerepaymentday.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。incasepartyabreachesthecontract,failingtorepaythefundsonduedateorfailingtopayfundsinfull,partybhastherighttochargehigherinterestrateonoverdueloansasprescribedbythepeople??sbankofchina(penaltyinterestrateonoverdueloanisstipulatedunderarticle).incasethatpartyafailstousethefundsfortheagreedpurposedunderthiscontract,partybhastherighttochargepenaltyinterestrateonoverdueloansasprescribedbythepeople'sbankofchina(penaltyinterestrateonmisappropriationofloanisstipulatedunderarticle).foroverdueloanorloanofmisappropriateuse,partybshallcalculatetheinterestratebasedonpenaltyinterestratefromthedayofoverdueloanormisappropriateuseofloantilltheprincipalandinterestarepaidoff.ifpartyafailstopayofftheinterestonduedate,partybshallcalculatecompoundinterestbasedonpenaltyinterestrate.第七條提前還款article7repaymentinadvance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。ifpartyaisabletopayofftheloanaheadoftime,itshallsubmittopartybtheirrevocableloanrepaymentapplicationandrepaymentplan.aftercheckingandconfirmingthatpartyahasnodelayofloanprincipalandinterestandhaspaidoffthecurrentinterest,partybwillapprovaltherepaymentaheadapplication,thenpartyacanrepaytheloaninadvance.theinterestrepayablebeforerepayment-in-advancedayshallnotbeadjusted.第八條借款擔(dān)保article8guaranteeofloan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)保可選擇如下方式，詳見本合同第十四條第八款theeffectivenessofguaranteetermsunderthiscontractisindependentofthiscontract.theguaranteetypefortheloanisspecifiedinarticle一、抵押擔(dān)保mortgageguarantee（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。themortgagervoluntarilymortgagesthepropertyinguarantylist-theattachmentaofthiscontract,andagreestoberestrictedbythiscontract.（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theco-ownerofthemortgagedpropertyunderthiscontractagreestomortgagethepropertyandberestrictedbythiscontract.（三）抵押擔(dān)保范圍：scopeofguarantee本合同項(xiàng)下的借款本金、利息（含復(fù)利）、罰息;theprincipalofloan,interest（includingcompoundinterest）,penaltyinterestunderthiscontract;違約金、賠償金、補(bǔ)償金;penalty,compensation,reimbursement;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)）。expensesarisingfromrealizationofliabilityandguaranteeright（including,butnotlimitedtoattorneys'fees,assessmentfee,auctionfee,lawsuitfee,all-riskfee,travelexpenseetc.）.（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，抵押登記證明文件正本交乙方保管。themortgagershallcompletetheregistrationofmortgagedpropertybasedonlawsandregulations.themortgagershalltakeonthefeesforthemortgagedproperty.themortgagershallprovidetothepartybtheevidencedocumentsandrelevantmaterialsofownershipoftheguaranty,andtheoriginalofmortgageregistrationcertificateshallbekeptbypartyb.出現(xiàn)下列情形之一，乙方可以行使抵押權(quán)：partybcanexercisethemortgagerightincaseoneoffollowingsituationshappens: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)?partyafailstorepaythedueloanpayableand/orotheritemspayablebasedonthiscontract;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)?partybreachesthecontract,partybclaimstotakebacktheloaninadvance,andpartybfailstobepaidoffornotfullypaidoff;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)。themortgagerbreachesthecontractbydisposingtheguaranty,orimplementsactionenoughtodecreasethevalueofguaranty,andpartybisrefusedofrestoringtheguarantytooriginalvalueorprovidingguarantee,partybcanexercisethemortgagerightinadvance.乙方可選擇下列方式之一實(shí)現(xiàn)抵押權(quán)：partybcanselectanyoneofthefollowingwaystorealizethemortgageright:與抵押人協(xié)議以抵押物折價(jià)受償;(1)discountofmortgageinagreementwithmortgager;拍賣受償;(2)auctionofguaranty;變賣受償;(3)saleofmortgage;法律允許的其他方式。(4)otherwaysallowedbylaw.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。themortgagershallprovidetopartybtheownershipcertificateandothervalidcertificationdocumentsandrelevantmaterials,afterconfirmationofpartyb,alldocumentationaforementionedshallbekeptbypartyb.（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。underconditionthatpartyapaysoffthetotalloanprincipalandinterest,andinfulfillmentofallitemsunderthiscontract,themortgagerelationshipshallterminate.（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。withintheperiodofmortgage,themortgagershallinformthepartybinawrittenwayallsituationsheknowsorshouldknowthathaveproducedormayproduceadverseimpactontheguaranty（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。withintheperiodofmortgage,theentireguarantyshallbetakengoodcareofbythemortgager,whoaswellresponsibleforrepairandmaintenancetomakesurethattheguarantyisallpreservedwell,andsubjecthimselftothesupervisionandinspectionfrompartybatanytime.（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。withintheperiodofmortgage,shouldanydecreaseshappenowingtotheactionofmortgager,partybhastherighttorequestthemortgagertostoptheactionandrestorethevalueorprovideguarantyworththeequalvalueofthedecreaseswithinten（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)乙方書面同意，甲方不得轉(zhuǎn)讓、變更、贈與抵押物。withintheperiodofmortgage,withoutanywrittenapprovalfrompartyb,themortgagershallhavenorighttodisposetheguaranty（disposingwayincludes,butnotlimitedto,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。withintheperiodofmortgage,anymoneygotbytransferringtheguarantybasedontheapprovalofpartybshallbeusedforpayingofftheloanaheadofscheduleorchangedtofixeddepositforguarantee.（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)。aspertherequestsofpartyb,themortgagershallgiveaninsuranceuponhisguaranty,andpartybshouldbetheinsuredenjoyingrightofexclusiveandbeingpaidoffwithpriority/primarybeneficiary,andnoitemsagainstbenefitsofpartybshallbespecified.theinsurancetermshallbelongerthanloantermunderthiscontract.iftermofloanunderthiscontractisextended,themortgagershallagreeontherenewalinsurancefortheguaranty.theoriginalsofinsurancepolicyandrenewalordershallbekeptbypartyb.ifmortgagerrefusesextendingtheinsuranceterm,partybhastherighttodealwithinsurancetermextendinginsteadofmortgager,andtherenewalinsurancecostshallbetakenonbythemortgager.shouldanylossescausedbyrefusalofinsuranceorrenewalinsurance,orfailingtopayfortheinsurancefrommortgager,themortgagershalltakeonthem.（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)。withintheperiodofmortgage,themortgagershallnotdiscontinueorcanceltheabovementionedinsurance.（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)。withintheperiodofmortgage,shouldanyaccidenthappenstotheguaranty,insurancecompensationshouldbeusedforpayingofftheloanunderthiscontractaheadofschedulewithpriority.（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。whenpartybandpartyachangethecontract（including,butnotlimitedto,amountofloan,termofloan,interestrate,typeofinterestsettlement,typeofrepayment,periodofrepayment,repaymentamountforeachperiod）,themortgagerisnoneedtobenotifiedifresponsibilityofmortgagerisnotincreasedaccordingly,andthemortgagerisstillbeartheresponsibilityofguarantee.二、質(zhì)押擔(dān)保pledgeguarantee（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)下借款的擔(dān)保。thepledgervoluntarilypledgesthemovableassets/rightsinpledgeslist-attachmentbofthiscontract,andagreestoberestrictedbythiscontract.（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。theco-ownerofthepledgesunderthiscontractagreesonpledgingandberestrictedbythiscontract.（四）出現(xiàn)下列情形之一，乙方可以行使質(zhì)權(quán)：partycanexercisethepledgerightincaseoneoffollowingsituationshappens: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)?partyafailstorepaythedueloanpayableand/orotheritemspayablebasedonthiscontract;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)?partybreachesthecontract,partybclaimstotakebacktheloaninadvance,andpartybfailstobepaidoffornotfullypaidoff;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)。shouldthevalueofpledgesisdecreased,andthepledgerfailstoprovideguaranteerequiredbypartyb,partybcanexercisethepledgerightinadvance.（五）乙方可選擇下列方式之一實(shí)現(xiàn)質(zhì)權(quán)：partybcanselectanyoneofthefollowingwaystorealizethepledgeright:1?與出質(zhì)人協(xié)議以質(zhì)物折價(jià)受償;discountofpledgesinagreementwithpledger;拍賣受償；auctionofpledges;3?變賣受償；saleofpledges;法律允許的其他方式。otherwaysallowedbylaws.（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，無須征得出質(zhì)人同意，出質(zhì)人仍對本合同項(xiàng)下的債務(wù)承擔(dān)擔(dān)保責(zé)任。whenpartybandpartyachangethecontract（including,butnotlimitedto,amountofloan,termofloan,interestrate,typeofinterestsettlement,typeofrepayment,periodofrepayment,repaymentamountforeachperiod）,thereisnoneedtoaskforapprovalofthepledger,andthepledgerisstillbeartheresponsibilityofguarantee.（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。thepledgershallprovidetopartybtheevidencecertificates,afterconfirmationofpartyb,andallcertificatesshallbekeptbypartyb.whenpartyapaysofftheprincipal,interestandexpensesforthewholeloanunderthiscontract,orthepledgerpaysofftheguaranteedsecurityinsteadofpartya,partybshallreturnthepledgesandrelevantcertificatestothepledger.三、保證擔(dān)保guarantee（一）本合同的保證方式為連帶責(zé)任保證。theguaranteeformunderthiscontractisjointliabilityassurance.（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;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。theguaranteeperiodistwoyears,fromthedaywhenthecontractbecomeseffectivetilltheexpiringdayofliabilityfulfillmenttermunderthiscontract.（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。withinthetermofloan,shouldtheguarantorbedeclaredbankruptorbedissolved,orunderinsolvencytolosequalificationofguaranteeandability,theguarantorshouldnotifypartybintime,andpartyshouldprovideanewguarantee.第九條其他權(quán)利與義務(wù)article9miscellaneousrightsandobligations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。partyashallensuretheloanapplicationdataarecomplete,true,validandlegal,andcooperatewithpartyatoinvestigatecensorandcheckthedata.二、甲方應(yīng)定期或隨時(shí)應(yīng)乙方要求，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。atregulartimeoranytimerequestedbypartybpartyashouldprovidethedocumentsorcertificatesreflectingtrulythefinancialstatusorincomeofpartya.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。withinperiodofthiscontract,shouldanychangesoccurincompany,address,contactwayofpartya,heshallinformpartybwithinten(10)daysafterthechanges.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。partyashallnotusetheloanfundsforotherpurposethanthatprescribedunderthiscontract.ifpartyadoesnotusetheloanontheagreedpurposeunderthiscontract,heshouldcleartheloanwithpartybaheadofschedule,otherwise,partyashallbetreatedasmisappropriateuseofloan.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∫曳秸J(rèn)可的補(bǔ)救措施。withinperiodofthiscontract,shouldanychangeshappensormayhappentotheguarantorthatinfluencehisguaranteeingability,partyashouldnotifypartybinwrittenwaywithinfive(5)daysafterthechangesandprovideanewguaranteecomplyingwithrequirementofpartybortakeanyremedialmeasuresapprovedbypartybwithinten(10)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)。partyashallberesponsibleforhandlingtheattorneyservice,registry,insurance,notarization,evaluationetcrelatedtothecontractandallexpenses.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article10defaultliability一、發(fā)生下列情況之一即構(gòu)成違約：faultliabilityoccursincaseanyoneofthefollowingsituationshappens:甲方改變借款用途；partyachangesthepurposeoftheloan;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;partyabreachesthecontract,failingtorepaythefundsonduedateorfailingtopayfundsinfull;（三）甲方提供的證明、資料等文件有虛假、非法的情況;thecertificatesandmaterialsprovidedbypartyaarefakeorillegal;（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;partyaisdeceased,declareddisappearanceordeath,noheirs,donatee,propertykeeper,guardianafterlosingthecapacityofcivilconduct,orhisheir,donatee,propertykeeper,guardianrefusestofulfillthiscontract;（五）合同履行期間，抵押人擅自處分抵押物，或者抵押人的行為足以使抵押物價(jià)值減少，乙方要求恢復(fù)原狀、提供擔(dān)保遭拒絕;withintheperiodofthecontract,incasethatthemortgagerdisposesthepropertywithoutapprovalofpartyb,oractionofthemortgagercandecreasethevalueofguaranty,partybisrefusedofrestoringthepropertyorprovisionofnewguarantee.（六）合同履行期間，甲方中斷、撤銷乙方要求投保的保險(xiǎn);（七）保證人提供虛假財(cái)務(wù)報(bào)告或者拒絕乙方對其財(cái)務(wù)狀況進(jìn)行監(jiān)督、檢查;theguarantorprovidesfalsefinancialreportorrefusesthecheckandsupervisionofpartybonhisfinancialstatus.（八）保證人違反本合同保證條款或喪失擔(dān)保能力甲方未能提供符合乙方要求的擔(dān)保;theguarantorbreachesthetermsofthiscontractorlosestheabilityofguarantee,andpartyafailstoprovidetheguaranteerequiredbypartyb.（九）甲方或擔(dān)保人其他可能影響歸還乙方貸款的行為。otheractionsfrompartyaortheguarantorthatmayinfluencerepaymentofloantopartyb.二、發(fā)生違約情況時(shí)，乙方有權(quán)采取以下一種或多種措施：intheeventofdefault,partybhastherighttotakeanyoneorafewmeasuresbelow:（一）按中國人民銀行的規(guī)定計(jì)收罰息和復(fù)利;calculatethepenaltyinterestrateandcompoundinterestasregulationsofthepeople'sbankofchina;（二）要求甲方立即提前償還部分或全部借款，或以合法程序處分本合同項(xiàng)下的抵、質(zhì)押物以清償全部借款和利息，或要求保證人履行保證責(zé)任;disposetheguarantyundermortgageand/orpledgebylaw,topayoffthetotalloanandrelevantinterest;requiretheguarantortofulfilltheguaranteeliability;（三）其他法律允許的措施。othermeasuresallowedbylaw.第十一條公證article11notarizationifanypartyunderthiscontractmakesrequestofnotarization,thiscontractshallbenotarizedbynotaryorgan,andpartyashallberesponsiblefortheexpense.如任何一方提出對本合同進(jìn)行公證，則由公證機(jī)關(guān)進(jìn)行公證，公證費(fèi)用由甲方承擔(dān)。ifpartybrequeststhenotarialdeedofdocumentsforcreditor‘srightswithforceofcompulsoryexecution,partyawillagreethatpartybcouldapplytoissuethenotarialdeedwithcompulsoryforcewiththenotaryorgan.ifpartyafailstopayoffallloanprincipal,interestandrelevantexpenseonduedate,partybcouldtakethenotarialdeeddirectlytopeople‘scourtwithjurisdiction,applyingforcompulsoryenforcement,andanychargesduetothatwillbepaidbypartya.partyashallagreeonthecompulsoryexecutionbylawunconditionally,andgiveupallandeveryrighttodefense.如果債權(quán)人要求對行使強(qiáng)制執(zhí)行權(quán)力進(jìn)行公證，甲方將同意乙方向公證機(jī)關(guān)申請對該行為的公證。如果甲方未能對到期的借款本金、利息和其他相關(guān)費(fèi)用予以償付，乙方可以向有管轄權(quán)的人民法院提交公證書，申請強(qiáng)制執(zhí)行，相關(guān)費(fèi)用由甲方承擔(dān)。甲方應(yīng)依照法律無條件接受該強(qiáng)制執(zhí)行并放棄抗訴權(quán)利。第十二條糾紛的解決article12disputesettlement本合同履行中發(fā)生爭議，各方協(xié)商解決，協(xié)商不成，各方同意采取以下第種方式解決：shouldanydisputeshappenintheprocessofperformingthecontract,allpartiesshallresolvethemthroughconsultations,ifnosettlementisreached;eitherofthepartiesmaygotolawinthelocalpeople‘scourtwherepartyblives.第十三條合同生效和終止article13takingeffectandterminationofcontract本合同自甲方簽字、乙方負(fù)責(zé)人或授權(quán)代理人簽字并加蓋公章之日起生效。擔(dān)保需要交付的，自質(zhì)物或權(quán)利憑證交付乙方占有之日起生效。需要登記的，自辦妥登記之日起生效。至合同項(xiàng)下借款本息和相關(guān)費(fèi)用全部清償完畢后終止。thecontractshallgointoeffectaftersignedbypartyaandresponsiblepersonortheauthorizedrepresentativeofpartyb,andsealedwithcommonsealandspecialsealforcontract.anditwillbeterminatedonthedaythatthewholeloanprincipalfromthepartybunderthecontracthasbeenpaidoff,includingtheprincipal,interestsandrelevantexpenses.incasetheguarantyneedstobedelivered,theguarantyshallbecomeeffectiveupondeliveryofdocumentoftitle;incasethatguarantyneedstoberegistered,theguarantyshallbecomeeffectiveuponsettlementofregistration.第十四條附則article14supplementaryprovisions一、與本合同相關(guān)的文件，包括但不限于甲方向乙方提交的申請借款文件、資料、證明、憑證等，均為本合同的組成部分。anydocumentationrelatedtothiscontract,includingbutnotlim