个人借款合同英文.doc
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个人借款合同英文.doc
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篇一:
中国工商银行个人借款合同(中英文)
中国工商银行个人借款合同(中英文)
codeno.:
741
chinaciticbank
personalloancontract
(versionof2012)
chinaciticbankcorporation
chinaciticbankchengdubranch
borrower(hereinafterreferredtoas“partya”address:
_________________________________________________________________________
lender(hereinafterreferredtoas“partyb”
mortgageraddress:
_________________________________________________________________________
accordingtotherelevantlawsandregulationsofthe<contractlawofthepeople’srepublicofchina>,<guaranteelawofthepeople’srepublicofchina>(<guaranteelaw>),and<propertylawofthepeople’srepublicofchina>(<propertylaw>),partya,partybandtherelevantguarantorsignthiscontractuponequalconsultation.
article1amountofloan
theamountofloanisreferredtoarticle15.1underthiscontract.
article2purposeofloanandpayee(scope)
2.1purposeofloanforthiscontractisreferredtoarticle15.2.duringthetermofloan,partyapromisestheloanunderthiscontractshallnotflowintostockmarket,futuresmarket,bespentonequityinvestmentorprojectsthatareforbiddenbylawsandregulationsofothercountriestooperate,orpartyashalltakeonanylossbroughttopartyb.
2.2thepayeeforthiscontract(scope)isreferredtoarticle15.3.
article3interestofloan
3.1interestofloanisreferredtoarticle15.4.
3.2duringthetermofthisloancontract,interestmaybechangedasprescribedbythepeople’sbankofchina,theadjustmethodofloaninterestrateisreferredtoarticle15.4.
article4termofloan
4.1thetermofloanisreferredtoarticle15.5.
article5releaseandpaymentoftheloan
5.1exceptoneormoreofthefollowingconditionsareexemptedbypartyb,otherwise,thepreconditionsforpartybtoissuetheloanisallthefollowingconditionsaremet:
5.1.1partyaprovidestheloanapplicationandcertificatesrequiredbypartyb;
5.1.2partyafulfillstheapplicationproceduresofloanandguaranteerequiredbypartyb;
5.1.3partyasignsrequiredlegaldocumentsofloanapplication,withcheckandapprovalofpartyb;
5.1.4partyafulfillsandsignstheotherproceduresandrelevantdocumentsrequiredbyloanreleasingofpartyb,withcheckandapprovalofpartyb.
loanfundshouldbepaidinstrictaccordancewiththeappointmentstipulatedinarticle5.3underthiscontract.partyaisnotallowedtochangethemodeandarrangementofpayment.
5.3theloanfundshouldbepaidbythemethodofentrustedpaymentofpartyb.ifpartyaappliesforself-paymentinparticularcases,itshallneedtheverificationandapprovalofpartyb.thespecificappointmentofthepaymentmethodisasfollows:
5.3.1entrustedpaymentofpartyb
partyashouldapplyforpaymentwhileusingtheloan,filltheappendixthree:
paymentauthorization/application(suitablefortheconditionofbankentrustedpayment).
partybverifieswhethertherelevanttransactiondocumentsandcertificatesprovidedbypartyaareinconformitywiththecontractbeforethepaymentofloanfund.withtheverificationandapprovalofpartyb,accordingtothepaymententrustmentofpartya,partybshalldelivertheloanfundthatparty
aappliestopaytotheaccountofpartya’stradingobjectlistedbypartyainpaymentauthorization/application(suitablefortheconditionofbankentrustedpayment).
5.3.2self-paymentmethodbypartya
uponapplicationbypartya,partybshallagreetoadoptself-paymentmethodisinvolvedinoneofthefollowingsituations:
(1)partyacannotconfirmdetailedtransactionobjectinadvanceandtheamountislessthanrmb
threehundredthousandyuan;
(2)thetransactionobjectofpartybcannotvalidusenon-cashmethodforsettlement;
(3)loanfundusedforproductionandoperationandamountislessthanrmbfivehundredthousand
yuan;
(4)othersituationregulatedbylawandregulation.
ifself-paymentmethodisadopted,partyashallfillappendixfour:
<self-paymentapplication>withdetailedapplicationreason.uponcheckedandapprovedbypartyb,partyacanuseself-paymentmethodtopayforloanfund.
article6repaymentoftheloan
6.1partya,basedonrelevantregulationsofpartyb,shallselectwaysofloanrepaymentunderarticle15.6.
6.2thepartyashallpayofftheprincipal,interestandotheritemsinfullpriortothestipulatedduerepaymentdayunderthiscontract(detailsunderarticle15.6),bydepositingoneofanyrepaymentaccountopenedbypartyb(accountnameandaccountno.aregiveninarticle15.7),andirrevocablyauthorizespartybtodrawthefundsreceivabledirectlyfromtheaccountaboveontheduerepaymentday.
article7repaymentinadvance
7.1ifpartyaisabletopayofftheloanaheadoftime,itshallsubmittopartybtheirrevocableloanrepaymentapplicationandrepaymentplan.aftercheckingandconfirmingthatpartyahasnodelayofloanprincipalandinterestandhaspaidoffthecurrentinterest,partybwillapprovetherepaymentaheadapplication,thenpartyacanrepaytheloaninadvance.theinterestrepayablebeforerepayment-in-advancedayshallnotbeadjusted.
7.2forrepaymentinadvance,partybcanchargepenaltytopartyaunderrefertoterm15.9ofthiscontractfordetails.
7.3withpartyb’sagreement,partyaexecutesaccordingtotheconventionofrepaymentinadvanceifpartyaautomaticallyrepayinadvance.refertoterm15.9ofthiscontractfordetails.
article8guaranteeofloan
8.1theguaranteetypefortheloanisspecifiedinarticle15.10.
8.2scopeofguarantee
8.2.3expensesarisingfromrealizationofliabilityandguaranteeright(including,butnotlimitedtoattorneysfees,assessmentfee,auctionfee,lawsuitfee,all-riskfee,travelexpenseetc.).
8.3mortgageguarantee
8.3.1themortgagervoluntarilymortgagestheproperty(guarantyforshortintheafterwardcontents)inguarantylist-theattachmentaofthiscontract,andagreestoberestrictedbythiscontract.
8.3.2theco-ownerofthemortgagedpropertyunderthiscontractagreestomortgagethepropertyandberestrictedbythiscontract.
8.3.4partybcanexercisethemortgagerightincaseoneoffollowingsituationshappens:
(1)partyafailstorepaythedueloanpayableand/orotheritemspayablebasedonthiscontract;
(2)partybreachesthecontract,partybclaimstotakebacktheloaninadvance,andpartybfailstobepaidoffornotfullypaidoff;
(3)themortgagerbreachesthecontractbydisposingtheguaranty,orimplementsactionenoughtodecreasethevalueofguaranty,andpartybisrefusedofrestoringtheguarantytooriginalvalueorprovidingguarantee,partybcanexercisethemortgagerightinadvance.
8.3.5partybcanselectanyoneofthefollowingwaystorealizethemortgageright:
(1)discountofmortgageinagreementwithmortgager;
(2)auctionofguaranty;
(3)saleofmortgage;(4)otherwaysallowedbylaw.
8.3.6themortgagershallprovidetopartybtheownershipcertificateandothervalidcertificationdocumentsandrelevantmaterials,afterconfirmationofpartyb,alldocumentationaforementionedshallbekeptbypartyb.
8.3.7underconditionthatpartyapaysoffthetotalloanprincipalandinterest,andinfulfillmentofallitemsunderthiscontract,themortgagerelationshipshallterminate.
8.3.8withintheperiodofmortgage,themortgagershallinformthepartybinawrittenwayallsituationsheknowsorshouldknowthathaveproducedormayproduceadverseimpactontheguaranty
8.3.9withintheperiodofmortgage,theentireguarantyshallbetakengoodcareofbythemortgager,whoaswellresponsibleforrepairandmaintenancetomakesurethattheguarantyisallpreservedwell,andsubjecthimselftothesupervisionandinspectionfrompartybatanytime.
8.3.10withintheperiodofmortgage,shouldanydecreaseshappenowingtotheactionofmortgager,partybhastherighttorequestthemortgagertostoptheactionandrestorethevalueorprovideguarantyworththeequalvalueofthedecreaseswithinten(10)days.
8.3.11withintheperiodofmortgage,withoutanywrittenapprovalfrompartyb,themortgagershallhavenorighttodisposetheguaranty(disposingwayincludes,butnotlimitedto,transferring,renting,selling,donatingtheguaranty).
8.3.12withintheperiodofmortgage,anymoneygotbytransferringtheguarantybasedontheapprovalofpartybshallbeusedforpayingofftheloanaheadofscheduleorchangedtofixeddepositforguarantee.
8.3.13whenpartybandpartyachangethecontract(including,butnotlimitedto,amountofloan,termofloan,interestrate,typeofinterestsettlement,typeofrepayment,periodofrepayment,repaymentamountforeachperiod),themortgagerisnoneedtobenotifiedifresponsibilityofmortgagerisnotincreasedaccordingly,andthemortgagerisstillbeartheresponsibilityofguarantee.
8.3.14withintheperiodofmortgage,ifpartyaandmortgagerlearnthatthemortgagedhouseistobedisplaced,theyshouldinformpartybinwrittenformontime.iftheyfailtodoso,theyshouldtaketheliabilityforbreachofcontract;ifbothpartiesandmortgagerreachtheagreement,partybhastherighttochooseonewayofthefollowingstodealwiththedisplacedhouse:
(i)partyapaysoffthedebtsinadvance;or
(ii)mortgagershouldmakenewmortgageguaranteebythenewlypossessedhousewithpartybasthemortgageeandsignanewmortgageagreement.beforethepreviousmortgagedhouseisdisplacedandthenewlysethouseismortgageregistered,partyashouldprovideanewguarantyacknowledgedbypartyb.
(i)partyapaysoffdebtsaheadofschedule;or
借款合同
loancontract
贷款方(lender):
身份证件号码(idnumber.):
地址(ad
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