中英文翻译模板-个人购房借款合同(工行)Word下载.doc
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中英文翻译模板-个人购房借款合同(工行)Word下载.doc
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BeijingYiyangXingchengRealEstateDevelopmentCo.,Ltd.
SupervisedbyIndustrialandCommercialBankofChina
Inaccordancewithrelevantstatelawsandrules,thecontractismadeafternegotiationsbetweenthebothparties.
Loanitems
Article1.Thelenderprovidesloantotheborrowertopurchasetheresidentialhouse.Thecontractedloaningamount:
RMBonemillionFourHundredandFortyThousand(¥1,440,000)
Article2.Loanpurpose:
topurchasethehousinglocateinRoom201,Unit4,BuildingC,JunjingyuanLu,DongchengDistrict,Beijingwithaconstructionareaof164.22squaremeters.
Article3.Loaninterests:
(annual)interest4.2‰andbalancetheinterestbymonth.
Article4.TheloantermisTwentyyears,fromAug.20,2004,toAug.20,2024
Article5.Lendershalldeposittheamountofloaninclauseonebyone-timetotheAccountopenedbyBeijingYiyangXingchengRealEstateDevelopmentCo.,Ltd
Article6.Borrowerpaytheprincipalandinterestoftheloadunderthiscontractin240installments,everyonemonthbeingoneinstallment.TheamountofprincipalandinteresttobepaidforoneinstallmentisRMB9,535.21.Thewayofpaymentisinequalaccountofprincipalandinterest.
Article7.BorroweropenssavingaccountinToutiaoSavingAgentEstablishedNameisYUEJiangyan,AccountNumberis0200210901024019426,andpromisestotransfertheprincipalandinterestoftheloadintoitontime.
Article8.WhereBorrowerdoesnotrepayasperthesaidregulations,Lendermaydeduct2.1/tenthousandeverydaypaymentasdamage.
Article9.WhereBorrowerdoesnotrepaytheinterestofloanasperthesaidregulations,Lendermayhaverighttochargedoubleinterests.
Article10.Beforedistributingtheloan,ifBorrowerhasgreatconflictwithhouseselleroverproblemssuchhouse’squalityandproperty,Borrowerisauthorizedtocancelthiscontract,andshalldecidewhethercontinuethecontractwithinhalfoneyear.
Article11Afterthedeliveryoftheloan,ifdisputeoccursbetweenborrowerandPartyC,thecontractisstilleffective.
Article12.IfBorrowerneedstorefundinadvance,itshallnoteLenderonemonthbeforerefunddayandthenoticeisirrevocableupondelivery.
Article13Ifoneormoreitemsasfollowsoccur,Lenderhasrighttoexpirethecontractinadvance,anddeliver“informationofrepaymentinadvance”toBorrowerandSecurities.
(1)ViolationofcontractbyBorrower
(2)Thelostordeathornon-heirofBorrower
(3)TheheirofBorrowerrefusestorepaytheloan
(4)Borrowerdoesnotrepaytheloaninseriesthreeinstallments,orcumulativesixinstallments.
(5)ThealterationofsecuritiesleadstotheadvancedobligationsofPartyC
(6)others
Article14.Eitherpartywantstoalterpartofthearticlesofcontractshouldinformtheotherpartyinwrittenformandfriendlynegotiate.Anotheradvancedagreementisexcluded.
Article15.Borrowerisresponsibleforthecost.Anotheradvancedagreementisexcluded.
Mortgageitems
Article16.BorrowermortgagestherealestateandallthepovertiestheattachedlistofmortgagestoLender,andpromisestobearlegalresponsibilities.
Article17.Thescopeofmortgageincludesprincipalandinterestofloan(includingthearticle9),punishedinterestandthecostofrealclaims.
Article18.Afterthesignofthiscontract,mortgageregistrationcertificationandotherrightcertificationsshouldbehandedovertomortgagee.
Article19.Mortgageeshouldprotectthemortgagescarefully,beresponsibleforthemaintenanceofthemortgages,andbesupervisedbyLender.
Article20.Thevalueischangedbecauseofmortgager’sfaultsorothers,mortgageeisnotresponsible.
Article21.Withouttheconsentofmortgager,themortgageehasnorighttodisposethemortgages.
Article22.IfLenderthinksitisnecessarytoreevaluatethemortgages,mortgageeshouldcooperate.
Article23.Thesetofmortgagesshouldregisterinadministrationforrealestate,sothecooperationisrequired.
Article24.Ifthesituationofarticle13occurs,Lenderhasrighttodisposethemortgagesinadvance.
Article25.BorrowershouldgoforinsuranceaccordingtotherequirementofBorrower.
Article26.Allorpartoftheitemsinloanhasnothingtodowiththeeffectofmortgageitems.
Materialmortgageitems
Article27.BorrowermortgagesallthepovertiestheattachedlistofMaterialmortgagestoLender,andpromisestobearlegalresponsibilities.
Article28.Thescopeofmortgageisprincipalandinterestofloan(includingthearticle9),punishedinterestandthecostofrealclaims.
Article29.BorrowershouldhandovertherightcertificationtoLender,andLendershouldprotectitcarefully.
Article30.Ifthetimeofcashingvaluedbondsisaheadofthetimeofrepayment,methodsofdisposalasfollows:
(1)Cashthebondstorepaytheloan.
(2)Changeintothefixeddepositasmaterialmortgage.
(3)Usetherecognizedequaldepositandbondstochangesavingdepositandbonds.
Article31.Borrowerhasnorighttoreportlossofanymaterials.
Article32.Ifthesituationofarticle13occurs,Lenderhasrighttodisposethematerialmortgages.
Article33AllorpartoftheitemsinloanhasnothingtodowiththeeffectofMaterialmortgageitems
Guaranteeitems
Article34.GuarantoriswillingtoofferguaranteetoBorrower.
Article35.Thescopeofguaranteeisprincipalandinterestofloan(includingthearticle9),punishedinterestandthecostofrealclaims.
Article36.PeriodofguaranteeistwoyearsafterBorrowernotfulfillingdebts.
Article37.Ifguarantorcannotfulfilltheobligationofguarantee,Lenderhasrighttodeductrelevantcashpaymentinaccount.,
Article38.GuarantorshouldpromisetosuperviseBorrowerpayontime.
Article39.BorrowerhasrighttotransferdebtstoguarantorwithouttheagreementofLender.
Article40.Borrowerusesstate-adjustednewinterestrate,guarantee’sagreementisnotneeded.
Article41.Allorpartoftheitemsinloanhasnothingtodowiththeeffectofguaranteeitems
Otheritems
Article42.Wherethedisputefailstoreachagreementamongthethreeparties,anyofthepartiesmaysubmittothelocalPeople’sCourtorlocalarbitrationorganizationforconciliation.
Article43.TheContractcomesintoeffectsincesignedbythreeparties.
Article44.TheContractendsasBorrowerpayingthepaymentinfull.
Article45.BorrowerhasrighttotransferthebenefitsinthiscontracttootherswithouttheapprovalofLenderandguarantor
Article46.IfBorrowerandguarantordonotfulfilltheobligationsregulatedinthecontract,enforcementisaccepted.
Article47.IfBorrowercannotfulfillthepayment,Lenderhasrighttoclaimforcompensationinanymethod.
Article48.Thiscontractisintriplicate,everypartyholdsone.
Article49.Attacheditems.
IndustrialandCommercialBankofChina(sealed)
Authorizedrepresentative:
WANGJun(signature)
YUEJiangyan(signature)
BeijingYiyangXingchengRealEstateDevelopmentCo.,Ltd.(sealed)
Legalrepresentative:
(signature)
Dateofsign:
Aug.20,2004
Appendix1.
ListofMortgages
Mortgager
YUEJiangyan
Address
Room3-301,Zhusan,MingliuHuayuan,Beijing
Telephonenumber
13904645884
Addressofmortgage
C-4-201,JunjingYuan,Chaonei,DongchengDistrict
Floorarea
(m2)
Originalvalue
(RMB)
Assessmentvalue
Rateofdiscount(%)
Mortgagedvalue
Seriednomberofrealestatecertificaiton
164.22
1,800,015
Bythenegotiationbetweenbothparties,themortgagedpropertiesarekeptbyMortgagee.WithouttheapprovalofBorrower,sale,hire,mortgageandgrantofthemortgagesareprohibited.
Mortgager:
LVHongzhan(signature)
Date:
Note:
ListofmortgagesisoneappendixofChineseIndustry&
CommerceBankIndividualMortgageLoanContractforPurchasingCommercialHousing
(SeriesNo:
A[Zhu]Zi[Beijing]Hang[Dongcheng]Branch[2004]Year[909])
Appendix2.
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