1、中信銀行個人貸款合同  （中英文）         CHINA CITIC BANK Personal Loan ContractCode No:借款人（以下簡稱甲方）：Borrower (hereinafter called Party A):身份證件名稱及號碼：ID name and code No: ID card Number住所：Address of living place:聯系電話：Post code:     郵編：Co

2、ntact number: 貸款人（以下簡稱乙方）：Lender (hereinafter called Party B):住所：Address of living place:聯系電話：Post code:     郵編：Contact number: 抵押人：Mortgager:身份證件名稱及號碼：ID name and code No: ID card Number住所：Address of living place:聯系電話：Post code:     郵編：Con

3、tact number: 出質人：Pledger:身份證件名稱及號碼：ID name and code No: ID card Number住所：Address of living place:聯系電話：Post code:     郵編：Contact number: 保證人：Guarantor:身份證件名稱及號碼：ID name and code No: ID card Number住所：Address of living place:聯系電話：Post code:    

4、0;郵編：Contact number: 根據中華人民共和國合同法和擔保法的相關規定，甲方、乙方和擔保方經過協商，就乙方向甲方貸款事宜達成如下合同條款。According to the relevant laws and regulations of the Contract Laws andGuarantee Law of the Peoples Republic of China, Party A, Party B and therelevant Guarantor, after reaching agreement through negotiations on the loa

5、n to Party B by Party A, hereby enter into this contract. 第一條 借款金額Article 1 Amount of Loan詳見本合同第十四條第一款。1.1 The amount of loan is referred to Article 14.1 under this contract. 第二條 借款用途Article 2 Purpose of Loan詳見本合同第十四條第二款。2.1 Purpose of loan for this contract is referred to Article 15.2.

6、60;第三條 借款利率Article 3 Interest of Loan一、借款利率詳見本合同第十四條第三款。3.1 Interest of loan is referred to Article 14.3. The interest is calculated from the day releasing loan.二、本合同履行期間，遇中國人民銀行貸款利率調整，借款利率按有關規定調整與執行，乙方將在營業場所對貸款利率調整情況進行公告，不再另行書面通知甲方。3.2 During the term of this loan contract, interest may be changed

7、as prescribed by the Peoples Bank of China, Party B is entitled to adjust and implement the interest rate without further notice to Party A. 第四條 借款期限及還款總期數Article 4 Life of Loan and Total Loan Repayment Terms一、              借

8、款期限詳見本合同第十四條第四款。4.1 Life of loan and total loan repayment terms are referred to Article 14.4.二、實際借款發放日與本合同約定的日期不一致時，以實際借款發放日為準計算借款期限。4.2 In the event that the actual funds release date is in disagreement with thedate stipulated under this contract, the life of loan shall be calculated based onthe ac

9、tual day of funds releasing.三、甲、乙雙方約定甲方按期還款，確定還款總期數，詳見本合同第十四條第四款。 第五條 借款發放Article 5 Release of Funds under the Loan一、乙方發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保手續，簽署了申請借款所需法律文件并經乙方審查同意。5.1 Party B will release the funds under condition that Party A has providedevidences complying with requiremen

10、ts 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、甲方授權乙方在審查同意后，將借款直接劃入甲方指定并經乙方認可的賬戶（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。5.2 After funds release is approved, Party A will grant Party B to transfer

11、theloan into the account designated by Party A and approved by Party B (accountname and account No. are given under Article 14.5).三、本合同項下的借款發放后，甲方就所購商品或服務發生的任何糾紛，均與乙方無關，本合同應正常履行。5.3 After releasing of the loan, any disputes under the use of funds under thisloan by Party A has no relationship with Pa

12、rty B, and the contract will still befulfilled. 第六條 借款償還Article 6 Repayment of the Loan一、 甲方應根據乙方相關貸款辦法規定，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：6.1 Party A, based on relevant regulations of Party B, shall select ways of interest calculation, interest settlement and loan principal repayme

13、nt under Article 14.6.二、甲方應當于乙方規定的每期還款日（詳見第十四條第六款）前，將當期應償還的借款本息及逾期的罰息、復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），并不可撤銷地授權乙方于當期還款日直接從該賬戶劃收應收款項。6.2 The Party A shall pay off the principal, interest and other items in full priorto the stipulated due repayment day under this contract (details under Article15.6)

14、, 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、罰息和復利當期利息本金”的順序扣劃甲方還入款項。甲

15、方違反本合同約定，逾期或未按約定的金額歸還借款本息，乙方有權按照人民銀行的規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，乙方有權按人民銀行的規定對甲方未支付的利息計收復利。6.3 In case Party A breaches the contract, failing to repay the funds on duedate or failing to pay funds in full, Party B has the right to charge higher interestrate on overdue loans as prescribed by the P

16、eople?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 Peoples Bank of China (p

17、enalty 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

18、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. 第七條 提前還款Article 7 Repayment in Advance甲方如欲提前還款，應于擬提前還款日前三十日將提前還款申請書及還款計劃以書面形式提交乙方，經乙方審核同意后即為不可撤銷。甲方經乙方審核確認甲方未有拖欠借款本息及已還清當期本息后方可提前還款。提前還款日前已計收的利息不作調整。 提前

19、還款，乙方有權按提前還款金額的 %計收損失補償金。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 checkingand confirming that Party A has no delay of loan principal and interest and haspaid off the current interest

20、, 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. 第八條 借款擔保Article 8 Guarantee of Loan本合同項下的擔保條款的效力獨立于本合同。甲方對借款提供的擔保可選擇如下方式，詳見本合同第十四條第八款。8.1 The effectiveness of guaran

21、tee terms under this contract is independent ofthis contract. The guarantee type for the loan is specified in Article 15.8.一、抵押擔保Mortgage Guarantee（一）抵押人自愿將本合同附件一“抵押物清單”所列明的財產（以下簡稱抵押物）抵押給乙方，作為甲方償還本合同項下借款的擔保。8.4.1 The mortgager voluntarily mortgages the property in Guaranty List-theAttachment A of th

22、is contract, and agrees to be restricted by this contract.（二）本合同抵押物的共有權人同意將本合同項下的抵押物作抵押，并同意受本合同約束8.4.2 The co-owner of the mortgaged property under this contract agrees tomortgage the property and be restricted by this contract. （三）抵押擔保范圍：Scope of Guarantee1本合同項下的借款本金、利息（含復利）、罰息；8.3.1 The princ

23、ipal of loan, interest (including compound interest), penalty interest under this contract;2違約金、賠償金、補償金；8.3.2 Penalty, compensation, reimbursement; 3為實現債權和抵押權而支付的費用（包括但不限于因違約方產生的律師費、抵押物處置費）。8.3.3 Expenses arising from realization of liability and guarantee right(including,but not limited to att

24、orneys' fees, assessment fee, auction fee, law suit fee,all-risk fee, travel expense etc.).（四）抵押人必須依照法律規定辦理抵押物的登記手續。抵押人向乙方提供該抵押物的所有權證明文件及有關資料，抵押登記證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 fee

25、s 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）出現下列情形之一，乙方可以行使抵押權：8.4 Party B can exercise the mortgage right in cas

26、e one of following situations happens:1甲方債務履行期限屆滿，乙方未受清償或未受完全清償的；(1) Party A fails to repay the due loan payable and/or other items payablebased on this contract;2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的；(2) Party breaches the contract, party B claims to take back the loan in advance, and Party B fails

27、to be paid off or not fully paid off;3抵押人違反本合同的約定，擅自處分抵押物，或實施足以使抵押物價值減少的行為，乙方要求抵押人恢復原狀或者提供擔保遭拒絕，乙方可以提前行使抵押權。(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 v

28、alue or providing guarantee, Party B can exercise the mortgage right in advance.（六）乙方可選擇下列方式之一實現抵押權：Party B can select any one of the following ways to realize the mortgage right:1與抵押人協議以抵押物折價受償；(1) Discount of mortgage in agreement with mortgager;2拍賣受償；(2) Auction of guaranty;3變賣受償；(3) Sale of mort

29、gage; 4法律允許的其他方式。(4) Other ways allowed by law.（七）抵押人應向乙方提供抵押物的權利證書及其他有效證明文件和相應資料，經乙方確認后，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 b

30、e kept by Party B.（八）甲方還清全部貸款本息及其它應付款項，并履行了本合同的全部條款，則抵押關系終止。Under condition that Party A pays off the total loan principal and interest,and in fulfillment of all items under this contract, the mortgage relationshipshall terminate.（九）抵押權存續期間，抵押人應將其所知道或應當知道的對抵押權產生或可能產生不利影響的情況及時書面通知乙方。Within the period

31、 of mortgage, the mortgager shall inform the Party B in awritten way all situations he knows or should know that have produced or mayproduce adverse impact on the guaranty（十）抵押權存續期間，抵押人對抵押物應當妥善保管；負有維修、保養、保持抵押物完整無損的義務并隨時接受乙方的監督與檢查。Within the period of mortgage, the entire guaranty shall be taken good

32、care of by the mortgager, who as well responsible for repair and maintenanceto make sure that the guaranty is all preserved well, and subject himself to thesupervision and inspection from Party B at any time.（十一）抵押權存續期間，抵押人的行為足以使抵押物價值減少時，乙方有權要求抵押人停止該行為，并要求抵押人在十日內恢復抵押物的價值或者提供與減少價值相當的擔保。Within the per

33、iod 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）抵押權存續期間，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，均需及時通

34、知貸款人，若上述行為影響債權安全，貸款人有權要求抵押人禁止實施上述行為。未經乙方書面同意，甲方不得轉讓、變更、贈與抵押物。Within the period of mortgage, without any written approval from Party B,the mortgager shall have no right to dispose the guaranty (disposing wayincludes, but not limited to, transferring, renting, selling, donating theguaranty).（十三）抵押權存續期

35、間，經乙方同意的抵押物轉讓所得價款，應提前清償本合同項下的債務或轉為定期存款質押。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）抵押人應當按照乙方的要求購買抵押財產等保險并以乙方為優先受償人，且不得約定任何有損乙方

36、權益的條款。保險期限應長于借款期限，如本合同借款展期，抵押人同意繼續辦理抵押物延長投保的手續。保險單和續保單正本由乙方保管。如抵押人拒絕辦理續保手續，乙方可以代替抵押人直接辦理續保手續，續保費用由抵押人承擔。As per the requests of Party B, the mortgager shall give an insuranceupon his guaranty, and Party B should be the insured enjoying right of exclusive and being paid off with priority/ primary bene

37、ficiary, 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 ren

38、ewal 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 ins

39、urance, or failing to pay for the insurance from mortgager, the mortgager shall take on them.（十五）抵押權存續期間，抵押人不得中斷或者撤銷上述保險。Within the period of mortgage, the mortgager shall not discontinue orcancel the abovementioned insurance.（十六）抵押權存續期間，抵押物發生保險事故，保險賠償金應當用于提前清償本合同項下的債務。Within the period of mortgage,

40、 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）乙方與甲方變更本合同（包括但不限于借款金額、期限、利率、結息方式、還款方式，還款期數、每期還款額），只要不加重抵押人的責任，無須征得抵押人同意，抵押人仍承擔擔保責任。When Party B and Party A change the contract (includi

41、ng, 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

42、 bear the responsibility of guarantee.二、質押擔保Pledge Guarantee（一）出質人自愿將本合同附件二“質押物清單”所列明的動產/權利（以下簡稱質物）質押給乙方，作為甲方償還本合同項下借款的擔保。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）本合同質物的共有權人同意將本合同項下的質物作質押，

43、并同意受本合同約束。The co-owner of the pledges under this contract agrees on pledging and be restricted by this contract.（四）出現下列情形之一，乙方可以行使質權：Party can exercise the pledge right in case one of following situationshappens:1甲方債務履行期限屆滿，乙方未受清償或未受完全清償的；Party A fails to repay the due loan payable and/or other item

44、s payable based on this contract;2乙方根據本合同的約定，提前收回借款，乙方未受清償或未受完全清償的；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質物價值減少，出質人未按照乙方要求提供擔保的，乙方可以提前行使質權。Should the value of pledges is decreased, and the pledger fails t

45、o provide guarantee required by Party B, Party B can exercise the pledge right in advance.（五）乙方可選擇下列方式之一實現質權：Party B can select any one of the following ways to realize the pledge right:1與出質人協議以質物折價受償；Discount of pledges in agreement with pledger;  2拍賣受償；Auction of pledges;  3變賣受

46、償；Sale of pledges;4法律允許的其他方式。Other ways allowed by laws.（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、結息方式、還款方式、還款期數、每期還款額），只要不加重出質人的責任，無須征得出質人同意，出質人仍對本合同項下的債務承擔擔保責任。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,

47、 type of repayment, period of repayment, repayment amount for each period), there is no need to ask for approval of the pledger, and the pledger is still bear the responsibility of guarantee.（七）出質人應將質物或質押權利憑證交乙方保管。甲方償還本合同項下的全部借款本金、利息及費用或出質人代甲方清償所擔保的債權，乙方應將質物及其相關證明文件返還出質人。The pledger shall provide to

48、 Party B the evidence certificates, after confirmation of Party B, and all certificates shall be kept by Party B. When Party A pays off the principal, interest and expenses for the whole loan under this contract, or the pledger pays off the guaranteed security instead of Party A, Party B shall retur

49、n the pledges and relevant certificates to the pledger.三、保證擔保 Guarantee（一）本合同的保證方式為連帶責任保證。The guarantee form under this contract is joint liability assurance.（二）保證人保證擔保的范圍： 1本合同項下的借款本金、利息（含復利）、罰息； 2違約金、賠償金、補償金； 3為實現債權和質權而支付的費用（包括但不限于因違約方發生的律師費）。 （三）保證人保證責任的保證期間自本合同生效之日起，至本合同

50、項下債務履行期限屆滿之日起兩年。The guarantee period is two years, from the day when the contract becomes effective till the expiring day of liability fulfillment term under this contract. （四）在借款期內，保證人發生被宣告破產、被依法撤銷、解散、資不抵債等喪失擔保資格和能力的變故時，保證人應及時通知乙方，甲方應提供新的擔保。Within the term of loan, should the guarantor be decl

51、ared bankrupt or bedissolved, or under insolvency to lose qualification of guarantee and ability, theguarantor should notify Party B in time, and Party should provide a new guarantee.第九條其他權利與義務Article 9 Miscellaneous Rights and Obligations一、甲方保證提供的申請借款文件是真實、有效、合法的，并接受乙方的監督和檢查。9.1 Party A shall ensur

52、e the loan application data are complete, true, valid andlegal, and cooperate with Party A to investigate, censor and check the data.二、甲方應定期或隨時應乙方要求，向乙方提供真實反映甲方財務狀況或收入情況的文件或證明。9.2 At regular time or any time requested by Party B, Party A should providethe documents or certificates reflecting truly t

53、he financial status or income ofParty A.三、本合同履行期間，甲方單位、住所、聯系方式等發生變化，應在變化發生后十日內通知乙方。9.3 Within period of this contract, should any changes occur in company, address, contact way of Party A, he shall inform Party B within ten (10) days after the changes.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，應按提前還款與乙方結算，否

54、則，視為改變借款用途挪作他用。9.4 Party A shall not use the loan funds for other purpose than that prescribedunder this contract. If Party A does not use the loan on the agreed purpose under this contract, he should clear the loan with Party B ahead of schedule, otherwise, Party A shall be treated as misappropriat

55、e use of loan.五、本合同履行期間，擔保人發生或可能發生影響其擔保能力的變化，甲方應當在變化發生的五日內書面通知乙方并應當在十日內提供新的、符合乙方要求的擔保或者采取乙方認可的補救措施。9.5 Within period of this contract, should any changes happens or may happento the guarantor that influence his guaranteeing ability, Party A should notifyParty B in written way within five (5) days af

56、ter the changes and provide a newguarantee complying with requirement of Party B or take any remedial measures approved by Party B within ten (10) days.六、甲方應當按照乙方的要求投保保險并以乙方為保險的優先受償人。本合同履行期間，甲方不得中斷、撤銷保險。9.6 Party A shall be responsible for handling the attorney service, registry,insurance, notarizat

57、ion, evaluation etc related to the contract and all expenses.七、本合同項下的按揭律師服務費、保險費、評估費、公證費等費用按照相關規定或由甲乙雙方協商承擔。 第十條 違約責任Article 10 Default Liability一、發生下列情況之一即構成違約：10.1 Fault liability occurs in case any one of the following situations happens:（一）甲方改變借款用途；Party A changes the purpose of the loan;（二

58、）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；Party A breaches the contract, failing to repay the funds on due date or failing to pay funds in full;（三）甲方提供的證明、資料等文件有虛假、非法的情況；The certificates and materials provided by Party A are fake or illegal;（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、財產代管人、監護人或者其繼承人、受遺贈人、財產代管人、監護人拒絕履行本合同；Party A is deceased, declared disappearance or death, no heirs, donatee, property keeper, guardian after losing the capacity of civil conduct, or his heir, donatee, property keeper, guardian refuses to fulfill this contract;（五）合同履