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借款合同范本中英文对照版
借款合同范本中英文对照版
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<
/p>
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<
/p>
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、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，甲方选择的还款方式详见本合<
/p>
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<
/p>
_
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 appl
ication
，
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
（
i
ncluding
，
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<
/p>
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；（
< br>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。
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.
（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。
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
*<
/p>
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<
/p>
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。
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