贷款合同英文版

中

信银行个人贷款合同

（中英文）

CHINA CITIC BANK Personal Loan Contract

Code No:

借款人（以下简称甲方）：

Borrower (hereinafter called Party A):

身份证件名称及号码：

ID name and code No: ID card Number

住所：

Address of living place:

联系电话：

Post code:

邮编：

Contact number:

贷款人（以下简称乙方）：

Lender (hereinafter called Party B):

住所：

Address of living place:

联系电话：

Post code:

邮编：

Contact number:

抵押人：

Mortgager:

身份证件名称及号码：

ID name and code No: ID card Number

住所：

Address of living place:

联系电话：

Post code:

邮编：

Contact number:

出质人：

Pledger:

身份证件名称及号码：

ID name and code No: ID card Number

住所：

Address of living place:

联系电话：

Post code:

邮编：

Contact number:

保证人：

Guarantor:

身份证件名称及号码：

ID name and code No: ID card Number

住所：

Address of living place:

联系电话：

Post code:

邮编：

Contact number:

根据中华人民共和国合同法和担保 法的相关规定，甲方、乙方和担保方经过协商，就乙方向

甲方贷款事宜达成如下合同条款 。

According to the relevant laws and regulations of the Contract Laws and

Guarantee Law of the People

’

s Republic of China, Party A, Party B and the

relevant Guarantor, after reaching agreement through negotiations on the loan to Party

B by Party A, hereby enter into this contract.

第一条

借款金额

Article 1 Amount of Loan

详见本合同第十四条第一款。

1.1 The amount of loan is referred to Article 14.1 under this contract.

第二条

借款用途

Article 2 Purpose of Loan

详见本合同第十四条第二款。

2.1 Purpose of loan for this contract is referred to Article 15.2.

第三条

借款利率

Article 3 Interest of Loan

一、借款利率详见本合同第十四条第三款。

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 间，遇中国人民银行贷款利率调整，借款利率按有关规定调整与执行，乙方将

在营业场所 对贷款利率调整情况进行公告，不再另行书面通知甲方。

3.2 During the term of this loan contract, interest may be changed as prescribed by the

People

’

s Bank of China, Party B is entitled to adjust and implement the interest rate

without further notice to Party A.

第四条

借款期限及还款总期数

Article 4 Life of Loan and Total Loan Repayment Terms

一、

借款期限详见本合同第十四条第四款。

4.1 Life of loan and total loan repayment terms are referred to Article 14.4.

二、实际借款发放日与本合同约定 的日期不一致时，以实际借款发放日为准计算借款期限。

4.2 In the event that the actual funds release date is in disagreement with the

date stipulated under this contract, the life of loan shall be calculated based on

the actual day of funds releasing.

三、甲 、乙双方约定甲方按期还款，确定还款总期数，详见本合同第十四条第四款。

第五条

借款发放

Article 5 Release of Funds under the Loan

一、乙方发放借款的前提是甲方提供了符 合乙方要求的证明材料，履行了乙方要求的申请借款和

担保手续，签署了申请借款所需法 律文件并经乙方审查同意。

5.1 Party B will release the funds under condition that Party A has provided

evidences complying with requirements of Party B, and has completed the loan applying

and

guaranteeing

procedures,

and

has

signed

the

legal

documents

with

check

and

approval

of Party B.

二、< /p>

甲方授权乙方在审查同意后，

将借款直接划入甲方指定并经乙方认 可的账户

（账户名称、

账号详见第十四条第五款），即为乙方依 约履行了向甲方提供借款的义务。

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

name and account No. are given under Article 14.5).

三、本合同项下的借款发放后，甲 方就所购商品或服务发生的任何纠纷，均与乙方无关，本

合同应正常履行。

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.

第六条

借款偿还

Article 6 Repayment of the Loan

一、

甲方应根据 乙方相关贷款办法规定，

在下述四种还款方式中选择一种方式归还借款本息，

方选择的还款方式详见本合同第十四条第六款：

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 、甲方应当于乙方规定的每期还款日（详见第十四条第六款）前，将当期应偿还的借款本

息及逾期的罚息、

复利等足额存入在乙方开立的还款账户

（账户 名称及账号见第十四条第六款）

，

并不可撤销地授权乙方于当期 还款日直接从该账户划收应收款项。

6.2 The Party A shall pay off the principal, interest and other items in full prior

to the stipulated due repayment day under this contract (details under Article

15.6), by depositing one of any repayment account opened by Party B (account name and

account No. are given in Article 14.6), and irrevocably authorizes Party B to draw the

funds receivable directly from the account above on the due repayment day.

三、甲、乙双方同意遵循先还息后还本的原则，乙方按照“期 前逾期本息、罚息和复利—当

期利息—本金”的顺序扣划甲方还入款项。甲方违反本合同 约定，逾期或未按约定的金额归还借

款本息，乙方有权按照人民银行的规定对逾期借款加 收罚息。甲方逾期或未按约定的金额偿还借

款利息时，乙方有权按人民银行的规定对甲方 未支付的利息计收复利。

6.3 In case Party A breaches the contract, failing to repay the funds on due

date or failing to pay funds in full, Party B has the right to charge higher interest

rate

on

overdue

loans

as

prescribed

by

the

People??s

Bank

of

China(penalty

interest

rate

on

overdue

loan

is

stipulated

under

Article

15.6).

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 People

’

s Bank of China (penalty

interest

rate

on

misappropriation

of

loan

is

stipulated

under

Article

15.6).

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 calculate compound interest based on penalty interest rate.

第七条

提前还款

Article 7 Repayment in Advance

甲方如欲提前还款，应于拟提前还款日前三十日将提前还款申请书及还 款计划以书面形式提

交乙方，经乙方审核同意后即为不可撤销。甲方经乙方审核确认甲方 未有拖欠借款本息及已还清

当期本息后方可提前还款。提前还款日前已计收的利息不作调 整。

提前还款，乙方有权按提前还款金额的

%

计收损失补偿金。

7.1 If Party A is able to pay off the loan ahead of time, it shall submit to Party B the

irrevocable loan repayment application and repayment plan. After checking

and confirming that Party A has no delay of loan principal 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.

第八条

借款担保

Article 8 Guarantee of Loan

本合同项下的担保条款的效力独立于本合同。甲方对借款提供的担保可选择如 下方式，详见

本合同第十四条第八款。

8.1 The effectiveness of guarantee terms under this contract is independent of

this contract. The guarantee type for the loan is specified in Article 15.8.

一、抵押担保

Mortgage Guarantee

（一）抵押人自愿将本合同附件一“抵押物清单”所列明的财产（以下简称抵押物）抵押给

乙方，作为甲方偿还本合同项下借款的担保。

8.4.1 The mortgager voluntarily mortgages the property in Guaranty List-the

Attachment A of this contract, and agrees to be restricted by this contract.

（二）本合同抵押物的共有权人同 意将本合同项下的抵押物作抵押，并同意受本合同约束

8.4.2 The co-owner of the mortgaged property under this contract agrees to

mortgage the property and be restricted by this contract.

（三）抵押担保范围：

Scope of Guarantee

1

．本合同项下的借款本金、利息（含复利）、罚息；

8.3.1 The principal of loan, interest (including compound interest), penalty interest

under this contract;

2

．违约金、赔偿金、补偿金；

8.3.2 Penalty, compensation, reimbursement;

3

．

为实现债权和抵押权而支付的费用

（包括 但不限于因违约方产生的律师费、

抵押物处置费）

。

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）抵押人必须依照法律规定办理抵押物的登记手续。抵押人向乙方提供该抵押物的所有

权证明文件及有关资料，抵押登记证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, and the original of Mortgage Registration Certificate shall

be kept by Party B.

（五）出现下列情形之一，乙方可以行使抵押权：

8.4

Party

B

can

exercise

the

mortgage

right

in

case

one

of

following

situations

happens:

1

．甲方债务履行期限届满，乙方未 受清偿或未受完全清偿的；

(1) Party A fails to repay the due loan payable and/or other items payable

based on this contract;

2

．甲方违反本合同的约定，乙方宣布提前收回借款，乙方未受清偿或未受完全清偿的；

(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 违反本合同的约定，

擅自处分抵押物，

或实施足以使抵押物价值 减少的行为，

乙方

要求抵押人恢复原状或者提供担保遭拒绝，乙 方可以提前行使抵押权。

(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 providing guarantee, Party B can exercise the mortgage right in

advance.

（六）乙方可选择下列方式之一实现抵押权：

Party B can select any one of the following ways to realize the mortgage right:

1

．与抵押人协议以抵押物折价受偿；

(1) Discount of mortgage in agreement with mortgager;

2

．拍卖受偿；

(2) Auction of guaranty;

3

．变卖受偿；

(3) Sale of mortgage;

4

．法律允许的其他方式。

(4) Other ways allowed by law.

（七）抵押人应向乙方提供抵押物的权利证书及其他有效证明 文件和相应资料，经乙方确认

后，由乙方保管。

The mortgager 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）甲方还清全部贷款本息及其它应付款项，并履行了本合 同的全部条款，则抵押关系终

止。

Under condition that Party A pays off the total loan principal and interest,

and in fulfillment of all items under this contract, the mortgage relationship

shall terminate.

（九）抵押权存续期间，抵押人应 将其所知道或应当知道的对抵押权产生或可能产生不利影

响的情况及时书面通知乙方。< /p>

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 on the guaranty

（十） 抵押权存续期间，抵押人对抵押物应当妥善保管；负有维修、保养、保持抵押物完整

无损 的义务并随时接受乙方的监督与检查。

Within the period of mortgage, the entire guaranty shall be taken good

care of by the mortgager, who as well responsible for repair and maintenance

to make sure that the guaranty is all preserved well, and subject himself to the

supervision and inspection from Party B at any time.

< /p>

（十一）抵押权存续期间，抵押人的行为足以使抵押物价值减少时，乙方有权要求抵押人停

止该行为，并要求抵押人在十日内恢复抵押物的价值或者提供与减少价值相当的担保。< /p>

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.

（十二）抵押权存续期间，抵押人可以将抵押物出借、（在抵 押行为成立后）出租；抵押人

在从事上述行为前，均需及时通知贷款人，若上述行为影响 债权安全，贷款人有权要求抵押人禁

止实施上述行为。未经乙方书面同意，甲方不得转让 、变更、赠与抵押物。

Within the period of mortgage, 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).

（十三）抵押权存续期间，经乙方同意的抵押物转让所得价款 ，应提前清偿本合同项下的债

务或转为定期存款质押。

8.4.12 Within the period of mortgage, any money got by transferring 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 ）抵押人应当按照乙方的要求购买抵押财产等保险并以乙方为优先受偿人，且不得约

定任 何有损乙方权益的条款。保险期限应长于借款期限，如本合同借款展期，抵押人同意继续办

理抵押物延长投保的手续。保险单和续保单正本由乙方保管。如抵押人拒绝办理续保手续，乙方

可以代替抵押人直接办理续保手续，续保费用由抵押人承担。

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/ 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 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 or renewal insurance, or failing to pay for the insurance from mortgager,

the mortgager shall take on them.

（十五）抵押权存续期间，抵押人不得中断或者撤销上述保险。

Within the period of mortgage, the mortgager shall not discontinue or

cancel the abovementioned insurance.

（十六 ）抵押权存续期间，抵押物发生保险事故，保险赔偿金应当用于提前清偿本合同项下

的债 务。

Within

the

period

of

mortgage,

should

any

accident

happens

to

the

guaranty,

insurance

compensation

should

be

used

for

paying

off

the

loan

under

this

contract

ahead

of

schedule

with priority.

（十七 ）乙方与甲方变更本合同（包括但不限于借款金额、期限、利率、结息方式、还款方

式， 还款期数、每期还款额），只要不加重抵押人的责任，无须征得抵押人同意，抵押人仍承担

担保责任。

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), 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、质押担保

Pledge Guarantee

（一）出质人自愿将本合同附件二 “质押物清单”所列明的动产

/

权利（以下简称质物）质押

给乙方，作为甲方偿还本合同项下借款的担保。

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）本合同质物的共有权人同意 将本合同项下的质物作质押，并同意受本合同约束。

The co-owner of the pledges under this contract agrees on pledging and be restricted by

this contract.

（四）出现下列情形之一，乙方可以行使质权：

Party can exercise the pledge right in case one of following situations

happens:

1

．甲方债务履行期限届满，乙方未 受清偿或未受完全清偿的；

Party A fails to repay the due loan payable and/or other items payable based on this

contract;