( 合同范本

　) )

　 甲

　方：

　乙

　方：

　日

　期：

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　借款合同樣本中英文對(duì)照版( ( 合同范本) )

　Constrain both parties to perform their responsibilities and obligations together, and clarify the obligations that both parties need to perform within the time limit

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　借款合同樣本中英文對(duì)照版( ( 合同范本) )

　借款合同范本中英文對(duì)照版

　 借款人(以下簡(jiǎn)稱甲方)：

　 borrower (hereinafter called party a):

　 身份證件名稱及號(hào)碼：

　 id name and code no: id card number

　 住所：

　 address of living place:

　 聯(lián)系電話：

　 post code:

　 郵編：

　 contact number:

　 貸款人(以下簡(jiǎn)稱乙方)：

　 lender (hereinafter called party b): 說明：本合同書適用于約束雙方共同履行責(zé)任和義務(wù)、闡明雙方需要在期限內(nèi)履行的義務(wù)�？捎糜陔娮哟鏅n或打印使用（使用時(shí)請(qǐng)看清是否適合您使用）。

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　住所：

　 address of living place:

　 聯(lián)系電話：

　 post code:

　 郵編：

　 contact number:

　 抵押人：

　 mortgager:

　 身份證件名稱及號(hào)碼：

　 id name and code no: id card number

　 住所：

　 address of living place:

　 聯(lián)系電話：

　 post code:

　 郵編：

　 contact number:

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　出質(zhì)人：

　 pledger:

　 身份證件名稱及號(hào)碼：

　 id name and code no: id card number

　 住所：

　 address of living place:

　 聯(lián)系電話：

　 post code:

　 郵編：

　 contact number:

　 保證人：

　 guarantor:

　 身份證件名稱及號(hào)碼：

　 id name and code no: id card number

　 住所：

　 address of living place:

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　聯(lián)系電話：

　 post code:

　 郵編：

　 contact number:

　 根據(jù)中華人民共和國(guó)合同法和擔(dān)保法的相關(guān)規(guī)定，甲方、乙方和擔(dān)保方經(jīng)過協(xié)商，就乙方向甲方貸款事宜達(dá)成如下合同條款。

　 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

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　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.

　 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(guó)人民銀行貸款利率調(diào)整，借款利率按有關(guān)規(guī)定調(diào)整與執(zhí)行，乙方將在營(yíng)業(yè)場(chǎng)所對(duì)貸款利率調(diào)整情況進(jìn)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 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.

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　第四條 借款期限及還款總期數(shù)

　 article 4 life of loan and total loan repayment terms

　 一、 借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(shí)際借款發(fā)放日與本合同約定的日期不一致時(shí)，以實(shí)際借款發(fā)放日為準(zhǔn)計(jì)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、乙雙方約定甲方按期還款，確定還款總期數(shù)，詳見本合同第十四條第四款。

　 第五條 借款發(fā)放 article 5 release of funds under the loan

　 一、乙方發(fā)放借款的前提是甲方提供了符合乙方要求的證明材

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　料，履行了乙方要求的申請(qǐng)借款和擔(dān)保手續(xù)，簽署了申請(qǐng)借款所需法律文件并經(jīng)乙方審查同意。

　 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、甲方授權(quán)乙方在審查同意后，將借款直接劃入甲方指定并經(jīng)乙方認(rèn)可的賬戶(賬戶名稱、賬號(hào)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(wù)。

　 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).

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　三、本合同項(xiàng)下的借款發(fā)放后，甲方就所購(gòu)商品或服務(wù)發(fā)生的任何糾紛，均與乙方無(wú)關(guān)，本合同應(yīng)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.

　 第六條 借款償還 article 6 repayment of the loan

　 一、 甲方應(yīng)根據(jù)乙方相關(guān)貸款辦法規(guī)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 repayment under article 14.6.

　 二、甲方應(yīng)當(dāng)于乙方規(guī)定的每期還款日(詳見第十四條第六款)前，將當(dāng)期應(yīng)償還的借款本息及逾期的罰息、復(fù)利等足額存入在乙方開立的還款賬戶(賬戶名稱及賬號(hào)見第十四條第六款)，并不可撤銷地授權(quán)乙方于當(dāng)期還款日直接從該賬戶劃收應(yīng)收款項(xiàng)。

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　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(fù)利—當(dāng)期利息—本金”的順序扣劃甲方還入款項(xiàng)。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，乙方有權(quán)按照人民銀行的規(guī)定對(duì)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(shí)，乙方有權(quán)按人民銀行的規(guī)定對(duì)甲方未支付的利息計(jì)收復(fù)利。

　 6.3 in case party a breaches the contract, failing to repay

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　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.

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　第七條 提前還款 article 7 repayment in advance

　 甲方如欲提前還款，應(yīng)于擬提前還款日前三十日將提前還款申請(qǐng)書及還款計(jì)劃以書面形式提交乙方，經(jīng)乙方審核同意后即為不可撤銷。甲方經(jīng)乙方審核確認(rèn)甲方未有拖欠借款本息及已還清當(dāng)期本息后方可提前還款。提前還款日前已計(jì)收的利息不作調(diào)整。

　 提前還款，乙方有權(quán)按提前還款金額的 %計(jì)收損失補(bǔ)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 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.

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　第八條 借款擔(dān)保 article 8 guarantee of loan

　 本合同項(xiàng)下的擔(dān)保條款的效力獨(dú)立于本合同。甲方對(duì)借款提供的擔(dān)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 guarantee terms under this contract is independent of

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

　 一、抵押擔(dān)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(cái)產(chǎn)(以下簡(jiǎn)稱抵押物)抵押給乙方，作為甲方償還本合同項(xiàng)下借款的擔(dān)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權(quán)人同意將本合同項(xiàng)下的抵押物作抵

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　押，并同意受本合同約束

　 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)抵押擔(dān)保范圍：scope of guarantee

　 1.本合同項(xiàng)下的借款本金、利息(含復(fù)利)、罰息;

　 8.3.1 the principal of loan, interest (including compound interest), penalty interest under this contract;

　 2.違約金、賠償金、補(bǔ)償金;8.3.2 penalty, compensation, reimbursement;

　 3.為實(shí)現(xiàn)債權(quán)和抵押權(quán)而支付的費(fèi)用(包括但不限于因違約方產(chǎn)生的律師費(fèi)、抵押物處置費(fèi))。

　 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,

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　all-risk fee, travel expense etc.).

　 (四)抵押人必須依照法律規(guī)定辦理抵押物的登記手續(xù)。抵押人向乙方提供該抵押物的所有權(quán)證明文件及有關(guān)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 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)出現(xiàn)下列情形之一，乙方可以行使抵押權(quán)：

　 8.4 party b can exercise the mortgage right in case one of following situations happens:

　 1.甲方債務(wù)履行期限屆滿，乙方未受清償或未受完全清償?shù)?

　 (1) party a fails to repay the due loan payable and/or other

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　items payable

　 based 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?shù)?

　 (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.抵押人違反本合同的約定，擅自處分抵押物，或?qū)嵤┳阋允沟盅何飪r(jià)值減少的行為，乙方要求抵押人恢復(fù)原狀或者提供擔(dān)保遭拒絕，乙方可以提前行使抵押權(quán)。

　 (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)乙方可選擇下列方式之一實(shí)現(xiàn)抵押權(quán)：

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　party b can select any one of the following ways to realize the mortgage right:

　 1.與抵押人協(xié)議以抵押物折價(jià)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 mortgage;

　 4.法律允許的其他方式。(4) other ways allowed by law.

　 (七)抵押人應(yīng)向乙方提供抵押物的權(quán)利證書及其他有效證明文件和相應(yīng)資料，經(jīng)乙方確認(rèn)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)甲方還清全部貸款本息及其它應(yīng)付款項(xiàng)，并履行了本合同的全部條款，則抵押關(guān)系終止。

　 under condition that party a pays off the total loan

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　principal and interest,

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

　 shall terminate.

　 (九)抵押權(quán)存續(xù)期間，抵押人應(yīng)將其所知道或應(yīng)當(dāng)知道的對(duì)抵押權(quán)產(chǎn)生或可能產(chǎn)生不利影響的情況及時(shí)書面通知乙方。

　 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)抵押權(quán)存續(xù)期間，抵押人對(duì)抵押物應(yīng)當(dāng)妥善保管;負(fù)有維修、保養(yǎng)、保持抵押物完整無(wú)損的義務(wù)并隨時(shí)接受乙方的監(jiān)督與檢查。

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

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　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)抵押權(quán)存續(xù)期間，抵押人的行為足以使抵押物價(jià)值減少時(shí)，乙方有權(quán)要求抵押人停止該行為，并要求抵押人在十日內(nèi)恢復(fù)抵押物的價(jià)值或者提供與減少價(jià)值相當(dāng)?shù)膿?dān)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)抵押權(quán)存續(xù)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(shí)通知貸款人，若上述行為影響債權(quán)安全，貸款人有權(quán)要求抵押人禁止實(shí)施上述行

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　為。未經(jīng)乙方書面同意，甲方不得轉(zhuǎn)讓、變更、贈(zèng)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 way

　 includes, but not limited to, transferring, renting, selling, donating the

　 guaranty).

　 (十三)抵押權(quán)存續(xù)期間，經(jīng)乙方同意的抵押物轉(zhuǎn)讓所得價(jià)款，應(yīng)提前清償本合同項(xiàng)下的債務(wù)或轉(zhuǎn)為定期存款質(zhì)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(yīng)當(dāng)按照乙方的要求購(gòu)買抵押財(cái)產(chǎn)等保險(xiǎn)并以乙方為優(yōu)先受償人，且不得約定任何有損乙方權(quán)益的條款。保險(xiǎn)期限

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　應(yīng)長(zhǎng)于借款期限，如本合同借款展期，抵押人同意繼續(xù)辦理抵押物延長(zhǎng)投保的手續(xù)。保險(xiǎn)單和續(xù)保單正本由乙方保管。如抵押人拒絕辦理續(xù)保手續(xù)，乙方可以代替抵押人直接辦理續(xù)保手續(xù)，續(xù)保費(fèi)用由抵押人承擔(dān)。

　 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

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　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)抵押權(quán)存續(xù)期間，抵押人不得中斷或者撤銷上述保險(xiǎn)。

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

　 cancel the abovementioned insurance.

　 (十六)抵押權(quán)存續(xù)期間，抵押物發(fā)生保險(xiǎn)事故，保險(xiǎn)賠償金應(yīng)當(dāng)用于提前清償本合同項(xiàng)下的債務(wù)。

　 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)乙方與甲方變更本合同(包括但不限于借款金額、期限、利率、結(jié)息方式、還款方式，還款期數(shù)、每期還款額)，只要不加重

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　抵押人的責(zé)任，無(wú)須征得抵押人同意，抵押人仍承擔(dān)擔(dān)保責(zé)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、質(zhì)押擔(dān)保 pledge guarantee

　 (一)出質(zhì)人自愿將本合同附件二“質(zhì)押物清單”所列明的動(dòng)產(chǎn)/權(quán)利(以下簡(jiǎn)稱質(zhì)物)質(zhì)押給乙方，作為甲方償還本合同項(xiàng)下借款的擔(dān)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(zhì)物的共有權(quán)人同意將本合同項(xiàng)下的質(zhì)物作質(zhì)押，

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　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(xiàn)下列情形之一，乙方可以行使質(zhì)權(quán)：

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

　 happens:

　 1.甲方債務(wù)履行期限屆滿，乙方未受清償或未受完全清償?shù)?

　 party a fails to repay the due loan payable and/or other items payable based on this contract;

　 2.乙方根據(jù)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?shù)?

　 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(zhì)物價(jià)值減少，出質(zhì)人未按照乙方要求提供擔(dān)保的，乙方可

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　以提前行使質(zhì)權(quán)。

　 should the value of pledges is decreased, and the pledger fails to 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(shí)現(xiàn)質(zhì)權(quán)：

　 party b can select any one of the following ways to realize the pledge right:

　 1.與出質(zhì)人協(xié)議以質(zhì)物折價(jià)受償;discount of pledges in agreement with pledger;

　 2.拍賣受償;auction of pledges;

　 3.變賣受償;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(jié)息方式、還款方式、還款期數(shù)、每期還款額)，只要不加重出質(zhì)人的責(zé)任，無(wú)須征得出質(zhì)人同意，出質(zhì)人仍對(duì)本合同項(xiàng)下的債務(wù)承擔(dān)擔(dān)保責(zé)任。

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　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), there is no need to ask for approval of the pledger, and the pledger is still bear the responsibility of guarantee.

　 (七)出質(zhì)人應(yīng)將質(zhì)物或質(zhì)押權(quán)利憑證交乙方保管。甲方償還本合同項(xiàng)下的全部借款本金、利息及費(fèi)用或出質(zhì)人代甲方清償所擔(dān)保的債權(quán)，乙方應(yīng)將質(zhì)物及其相關(guān)證明文件返還出質(zhì)人。

　 the pledger shall provide to 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 return the pledges and relevant certificates to the pledger.

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　三、保證擔(dān)保 guarantee

　 (一)本合同的保證方式為連帶責(zé)任保證。

　 the guarantee form under this contract is joint liability assurance.

　 (二)保證人保證擔(dān)保的范圍：

　 1.本合同項(xiàng)下的借款本金、利息(含復(fù)利)、罰息;

　 2.違約金、賠償金、補(bǔ)償金;

　 3.為實(shí)現(xiàn)債權(quán)和質(zhì)權(quán)而支付的費(fèi)用(包括但不限于因違約方發(fā)生的律師費(fèi))。

　 (三)保證人保證責(zé)任的保證期間自本合同生效之日起，至本合同項(xiàng)下債務(wù)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(nèi)，保證人發(fā)生被宣告破產(chǎn)、被依法撤銷、解散、資不抵債等喪失擔(dān)保資格和能力的變故時(shí)，保證人應(yīng)及時(shí)通知乙方，

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　甲方應(yīng)提供新的擔(dān)保。

　 within the term of loan, should the guarantor be declared bankrupt or be

　 dissolved, or under insolvency to lose qualification of guarantee and ability, the

　 guarantor should notify party b in time, and party should provide a new guarantee.

　 第九條 其他權(quán)利與義務(wù) article 9 miscellaneous rights and obligations

　 一、甲方保證提供的申請(qǐng)借款文件是真實(shí)、有效、合法的，并接受乙方的監(jiān)督和檢查。

　 9.1 party a shall ensure the loan application data are complete, true, valid and

　 legal, and cooperate with party a to investigate, censor and check the data.

　 二、甲方應(yīng)定期或隨時(shí)應(yīng)乙方要求，向乙方提供真實(shí)反映甲方

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　財(cái)務(wù)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 provide

　 the documents or certificates reflecting truly the financial status or income of

　 party a.

　 三、本合同履行期間，甲方單位、住所、聯(lián)系方式等發(fā)生變化，應(yīng)在變化發(fā)生后十日內(nèi)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(gòu)買或退掉本合同約定的商品或服務(wù)，應(yīng)按提前還款與乙方結(jié)算，否則，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 prescribed

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　under 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 misappropriate use of loan.

　 五、本合同履行期間，擔(dān)保人發(fā)生或可能發(fā)生影響其擔(dān)保能力的變化，甲方應(yīng)當(dāng)在變化發(fā)生的五日內(nèi)書面通知乙方并應(yīng)當(dāng)在十日內(nèi)提供新的、符合乙方要求的擔(dān)�；蛘卟扇∫曳秸J(rèn)可的補(bǔ)救措施。

　 9.5 within period of this contract, should any changes happens or may happen

　 to the guarantor that influence his guaranteeing ability, party a should notify

　 party b in written way within five (5) days after the changes and provide a new

　 guarantee complying with requirement of party b or take any remedial measures approved by party b within ten (10) days.

　 六、甲方應(yīng)當(dāng)按照乙方的要求投保保險(xiǎn)并以乙方為保險(xiǎn)的優(yōu)先

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　受償人。本合同履行期間，甲方不得中斷、撤銷保險(xiǎn)。

　 9.6 party a shall be responsible for handling the attorney service, registry,

　 insurance, notarization, evaluation etc related to the contract and all expenses.

　 七、本合同項(xiàng)下的按揭律師服務(wù)費(fèi)、保險(xiǎn)費(fèi)、評(píng)估費(fèi)、公證費(fèi)等費(fèi)用按照相關(guān)規(guī)定或由甲乙雙方協(xié)商承擔(dān)。

　 第十條 違約責(zé)任 article 10 default liability

　 一、發(fā)生下列情況之一即構(gòu)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)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

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　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(wú)繼承人、受遺贈(zèng)人、財(cái)產(chǎn)代管人、監(jiān)護(hù)人或者其繼承人、受遺贈(zèng)人、財(cái)產(chǎn)代管人、監(jiān)護(hù)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)合同履行期間，抵押人擅自處分抵押物，或者抵押人的行為足以使抵押物價(jià)值減少，乙方要求恢復(fù)原狀、提供擔(dān)保遭拒絕;

　 within the period of the contract, in case that the mortgager disposes

　 the property without approval of party b, or action of the

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　mortgager can decrease the value of guaranty, party b is refused of restoring the property or provision of new guarantee.

　 (六)合同履行期間，甲方中斷、撤銷乙方要求投保的保險(xiǎn);

　 (七)保證人提供虛假財(cái)務(wù)報(bào)告或者拒絕乙方對(duì)其財(cái)務(wù)狀況進(jìn)行監(jiān)督、檢查;

　 the guarantor provides false financial report or refuses the check and supervision of party b on his financial status.

　 (八)保證人違反本合同保證條款或喪失擔(dān)保能力甲方未能提供符合乙方要求的擔(dān)保;

　 the guarantor breaches the terms of this contract or loses the ability of

　 guarantee, and party a fails to provide the guarantee required by party b.

　 (九)甲方或擔(dān)保人其他可能影響歸還乙方貸款的行為。

　 other actions from party a or the guarantor that may influence repayment of loan to party b.

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　二、發(fā)生違約情況時(shí)，乙方有權(quán)采取以下一種或多種措施：

　 10.2 in the event of default, party b has the right to take any one or a few

　 measures below:

　 (一)按中國(guó)人民銀行的規(guī)定計(jì)收罰息和復(fù)利;

　 calculate the penalty interest rate and compound interest as regulations of the people’s bank of china;

　 (二)要求甲方立即提前償還部分或全部借款，或以合法程序處分本合同項(xiàng)下的抵、質(zhì)押物以清償全部借款和利息，或要求保證人履行保證責(zé)任;

　 dispose the guaranty under mortgage and/or pledge by law, to pay off

　 the total loan and relevant interest; require the guarantor to fulfill the guarantee liability;

　 (三)其他法律允許的措施。other measures allowed by law.

　 第十一條 公證 article 11 notarization

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　11.1 if any party under this contract makes request of notarization, this contract

　 shall be notarized by notary organ, and party a shall be responsible for the

　 expense.

　 如任何一方提出對(duì)本合同進(jìn)行公證，則由公證機(jī)關(guān)進(jìn)行公證，公證費(fèi)用由甲方承擔(dān)。

　 11.2 if party b requests the notarial deed of documents for creditor‘s rights with

　 force of compulsory execution, party a will agree that party b could apply to

　 issue the notarial deed with compulsory force with the notary organ. if party a

　 fails to pay off all loan principal, interest and relevant expense on due date,

　 party b could take the notarial deed directly to people

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　‘s court with jurisdiction,

　 applying for compulsory enforcement, and any charges due to that will be paid

　 by party a. party a shall agree on the compulsory execution by law unconditionally, and give up all and every right to defense.

　 如果債權(quán)人要求對(duì)行使強(qiáng)制執(zhí)行權(quán)力進(jìn)行公證，甲方將同意乙方向公證機(jī)關(guān)申請(qǐng)對(duì)該行為的公證。如果甲方未能對(duì)到期的借款本金、利息和其他相關(guān)費(fèi)用予以償付，乙方可以向有管轄權(quán)的人民法院提交公證書，申請(qǐng)強(qiáng)制執(zhí)行，相關(guān)費(fèi)用由甲方承擔(dān)。甲方應(yīng)依照法律無(wú)條件接受該強(qiáng)制執(zhí)行并放棄抗訴權(quán)利。

　 第十二條 糾紛的解決 article 12 dispute settlement

　 本合同履行中發(fā)生爭(zhēng)議，各方協(xié)商解決，協(xié)商不成，各方同意采取以下第_____種方式解決：

　 12.1 should any disputes happen in the process of performing the contract, all

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　parties shall resolve them through consultations, if no settlement is reached; either of the parties may go to law in the local people‘s court where party b lives.

　 第十三條 合同生效和終止 article 13 taking effect and termination of contract

　 本合同自甲方簽字、乙方負(fù)責(zé)人或授權(quán)代理人簽字并加蓋公章之日起生效。擔(dān)保需要交付的，自質(zhì)物或權(quán)利憑證交付乙方占有之日起生效。需要登記的，自辦妥登記之日起生效。至合同項(xiàng)下借款本息和相關(guān)費(fèi)用全部清償完畢后終止。

　 13.1 the contract shall go into effect after signed by party a and responsible

　 person or the authorized representative of party b, and sealed with common seal and special seal for contract. and it will be terminated on the day that the whole loan principal from the party b under the contract has been paid off, including the principal, interests and relevant expenses. in case the

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　guaranty needs to be delivered, the guaranty shall become effective upon delivery of document of title; in case that guaranty needs to be registered, the guaranty shall become effective upon settlement of registration.

　 第十四條 附則 article 14 supplementary provisions

　 一、與本合同相關(guān)的文件，包括但不限于甲方向乙方提交的申請(qǐng)借款文件、資料、證明、憑證等，均為本合同的組成部分。

　 14.1 any documentation related to this contract, including but not limited to,

　 loan application documents, materials, certificates, etc. submitted to party b

　 from party a, shall be parts under this contract.

　 二、本合同份數(shù)，詳見本合同第十四條第九款。

　 第十五條 具體約定 article 15 detailed provisions

　 一、本合同借款金額為人民幣_(tái)____(大寫) ，_____(小寫) 。

　 15.1 the total amount of loan under this contract is: say

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　----rmb only, that is to say, --rmb.

　 二、本合同借款用于_____。15.2 the loan under this contact is used for study abroad.

　 三、本合同借款月利率為____‰。15.3 the monthly interest rate of loan under this contract is ‰.

　 四、本合同借款期限____月，自_____年_____月_____日起至____年____月____日止。還款總期數(shù)為_____期。

　 the term of loan under this contract is -----months, from---to ----. total

　 repayment periods are ------times.

　 五、賬戶名稱：

　賬號(hào)：

　開戶行

　 15.5 name of account a: account number:

　 account opening bank: china citic bank

　 六、甲方選擇的還款方式為_____。每期還款日為_____。甲方在乙方開立還款賬戶，賬戶一名稱：_____，賬號(hào)：_____;賬戶二名稱：_____，賬號(hào)：____。

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　15.6 the interest calculation type chosen by party a is calculation by day.

　 interest is settled by month, the loan principal and interest will be repaid by the

　 below way: interest will be paid off by month, principal will be repaid on due day,

　 monthly paid interest is -----rmb, the repayment day is-----of each month.

　 party a shall open a repayment account at party b, with name account a:----account

　 number:--------and name account b: __

　 __, account number:

　 _____

　 the overdue penalty interest rate shall be overcharging 50% based on the interest rate stipulated in this contract, and penalty interest rate for misappropriate use shall be

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　overcharging 100% based on the interest rate stipulated in this contract.

　 七、違約金為_____。penalty: this contract shall be free of penalty.

　 八、本合同借款的擔(dān)保方式為____。

　 the guarantee type for the loan of this contract shall be house property

　 mortgage.

　 九、本合同一式_____份，甲、乙方各____份。

　 this contract shall be made in quadruplicate, having the same legal effect,

　 each for party a, party b, real estate bureau and party b.

　 第十六條 其他約定事項(xiàng) article 16 other provisions

　 本貸款合同的英文版本僅供參考。如果中英文版本有表達(dá)歧義，則以作為中文為準(zhǔn)。

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　the english version of this loan contract is for reference only. if there is any

　 inconsistency between the chinese and english versions of this contract, the

　 chinese version shall prevail for all purposes.

　 甲方(簽字)：party a (signature):

　 乙方(公章)：party b (common seal/ special contract seal):

　 乙 方 負(fù) 責(zé) 人 ( 簽 字 ) ：

　responsible or authorized representative of party b(signature):

　 抵押人(簽字)：mortgager (signature):

　 出質(zhì)人(簽字)：pledger (signature):

　 保證人(公章)：guarantor (seal):

　 保證人法定代表人(簽字)：

　 responsible or authorized representative of guarantor (seal):

　 ____年____月_____日 date:

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　 云博創(chuàng)意設(shè)計(jì) MzYunBo Creative Design Co., Ltd.

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