- 相關(guān)推薦
個(gè)人消費(fèi)貸款借款擔(dān)保合同范本
借款人：Borrower
貸款人：Lender
抵押人：Mortgagor
保證人：Surety
出質(zhì)人：Pledgeor
為明確各方權(quán)利和義務(wù)，根據(jù)《合同法》、《貸款通則》和其他有關(guān)法律、法規(guī)，訂立本合同。
This Contract is made in line with the Contract Law of the People's Republic of China and The General Provisions of Loans of the People's Bank of China to specify the rights and obligations of parties involved.
借 貸 條 款Loan Borrowing Clause
第一條 借款金額。見36.1
Article 1. Amount of loan: Refer to 36.1
第二條 借款用途。見36.2
Article 2. Purpose of loan: Refer to 36.2
第三條 借款期限。Article 3. Life of loan
3.1見36.3。3.1 Refer to 36.3
3.2借據(jù)或貸款憑證是本合同不可分割的組成部分。借款的實(shí)際放款日和還款日以借款人、貸款人雙方辦理的借據(jù)或憑證上所記載的日期為準(zhǔn)。除日期外，借據(jù)或憑證其他記載事項(xiàng)如與本合同不一致的，以本合同為準(zhǔn)。
3.2 A certificate of indebtedness or a loan voucher is an integral part of this Contract. The date of advance and payment due date shall follow the date specified on the certificate of indebtedness or loan voucher . Where there is any inconsistency between the stipulations on the certificate of indebtedness or loan voucher and the Terms and Conditions on this Contract except date, the latter shall prevail.
第四條 借款劃付。在借款人辦妥借款手續(xù)后5個(gè)營業(yè)日內(nèi)將全部款項(xiàng)劃至借款人指定的賬戶，劃付次數(shù)、時(shí)間、金額見 36.4 。
Article 4 Transferring of loan. The full amount of loan shall be transferred to an Account designated by the Borrower within 5 working days from the date of completing borrowing procedure. Refer to 36.4 for the frequency, time and amount of transferring
第五條 借款利率和計(jì)息。
5.1借款利率。本合同項(xiàng)下借款利率根據(jù)國家有關(guān)規(guī)定，確定利率見—36—.5 。遇利率調(diào)整時(shí)，借款期限在1年(含)以下的，執(zhí)行合同利率，不分段計(jì)息;借款期限在1年以上的，實(shí)行分段計(jì)息，從利率調(diào)整的次年1月1日開始，按相應(yīng)利率的檔次執(zhí)行新的利率;如借款人未按約定時(shí)間歸還借款本息或未按合同約定用途使用借款，貸款人將按國家規(guī)定對借款人計(jì)收罰息，
罰息率見36.6。
Article 5. Interest rate of loan and calculation
5.1 Interest rate of loan: The interest rate under this Contract is specified in 36.5 in line with relevant rules. In case of change of interest rate, the interest rate stipulated in the Contract shall prevail for loans with a life of less than or equal to one year; For loans with a life exceeding one year, the interest shall be calculated on a multi-stage basis, i.e. From next Jan. 1st following the adjustment of interest rate, the new rate shall prevail. In case the Borrower fails to repay the principal and interest before the due date, or fails to use the loan for purposes as agreed in this Contract, the lender shall be entitled to collect default interest in line with relevant rules. The default interest rate is specified in 36.6.
5.2遇利率調(diào)整時(shí)，實(shí)行分段計(jì)息的，貸款人有權(quán)根據(jù)國家有關(guān)規(guī)定自行調(diào)整，不另行通知借款人。
5.2 In case of calculating interest on multi-stage basis due to adjustment of interest rate, the lender shall be entitled to adjust the interest rate on his own without further notice to the Borrower.
第六條 還款方式Article 6 Type of Repayment of Loan
6.1借款人應(yīng)在貸款人開設(shè)帳戶，戶名和帳號見 36.7 ，并保證在每次還款日前足額存入當(dāng)期應(yīng)還款項(xiàng)的存款。借款人在此授權(quán)貸款人從借款人該帳戶中扣收借款本金、利息和可能發(fā)生的復(fù)利、罰息、違約金、保費(fèi)、損害賠償金及實(shí)現(xiàn)債權(quán)的費(fèi)用(含律師費(fèi)和訴訟費(fèi))。如該帳戶資產(chǎn)不足以歸還到期的貸款本息，貸款人有權(quán)從借款人在中國工商銀行任何分支機(jī)構(gòu)開立的任何帳戶劃收。
6.1 The Borrower should open an account with the Lender( The account name and account number are specified in 36.7.) and promise to deposit sufficient money for repayment before each due date. The Borrower hereby authorizes the Lender to collect , if any, compound interest, default interest, liquidated damage, premium, compensation and expenses arising from the realization of creditor’s right (including lawyer’s fee and court expense)in addition to due principal and interest of loan. In case the asset in this Account is not enough for repayment of due principal and interest, the Lender shall be entitled to collect from any Account opened by the Borrower with any branch of ICBC.
6.2貸款人與借款人雙方商定，自貸款發(fā)放次月起，借款人按月歸還貸款本息(一次性還本付息除外)，還款期數(shù)及還款方式見 36.8 。
6.2 The Borrower shall repay the principal and interest on a monthly basis (Except repaying principal and interest in a lump sum) from the second month following the issuing of loan , as agreed between the Borrower and Lender. The repayment tenors and type are specified in 36.8.
6.3借款期間遇利率調(diào)整，如執(zhí)行本合同5.1條實(shí)行分段計(jì)息的，對借款期限在1年以上的，應(yīng)從利率調(diào)整的次年1月1日開始根據(jù)未償還借款余額和剩余還款期數(shù)進(jìn)行調(diào)整，重新計(jì)算還款金額。
6.3 In case of multi-stage calculation of interest as specified in 5.1 due to adjustment of interest rate during the life of loan, the repayment amount for loans with a life exceeding one year shall be recalculated on the basis of balance of unpaid loan and the rest of repayment tenor from next Jan. 1st following the adjustment of interest rate.
6.4借款人提前歸還貸款須經(jīng)貸款人書面同意，，提前歸還部分的利息仍按本合同約定的利率和該部分實(shí)際使用天數(shù)計(jì)算。
6.4 Repayment of the loan ahead of schedule by the Borrower shall be subject to written consent from the Lender. The interest of prepaid amount should be calculated on the basis of rate specified in this Contract and actual days.
第七條 擔(dān)保方式。本合同的擔(dān)保人及擔(dān)保方式見 36.9。具體約定由本合同中相應(yīng)的擔(dān)保條款確足。
Article 7 Guaranty type. The Guarantor and guaranty type under this Contract is specified in 36.9. The specific stipulations are stated in corresponding guaranty clauses.
第八條 借款人的權(quán)利、義務(wù)Article 8 Rights and obligations of the Borrower.
8.1借款人的權(quán)利：8.1 Rights of the Borrower.
按本合同約定的期限和用途取得和使用借款;
Obtain and use the loan for the period and purposes as agreed in this Contract.
8.2借款人的義務(wù)8.2 Obligations of the Borrower
8.2.1如實(shí)提供貸款人所要求的資料(包括對外所欠款項(xiàng)、新發(fā)生大額借款等)配合貸款人調(diào)查、審查和檢查與借款有關(guān)的個(gè)人經(jīng)濟(jì)收入、開支等情況，并對貸款審查過程中所提供材料的真實(shí)性、準(zhǔn)確性、完整性負(fù)責(zé);
Provide the actual documents (including debts and latest large loan) required by the Lender ; Cooperate with the Lender for the investigation, audit and examination of personal income and expense amongst other relevant information; Be responsible for the sufficiency, accuracy and genuineness of documents provided.
8.2.2自覺接受貸款人對本合同項(xiàng)下借款使用情況的調(diào)查、了解及監(jiān)督;
8.2.2 Consciously acknowledge the right of the Lender to investigate, know and supervise the use of loan under this Contract.
8.2.3按本合同之約定清償本合同項(xiàng)下的借款本金及利息;不因與任何第三方糾紛為理由拒絕履行還款義務(wù);
8.2.3 Repay the principal and interest under this Contract in full in line with the stipulations of this Contract. Never refuse the repayment due to disputes with any third party.
8.2.4承擔(dān)本合同項(xiàng)下有關(guān)費(fèi)用的支出，包括但不限于用于公證、鑒定、評估、登記等事項(xiàng)的費(fèi)用;
8.2.4 Be responsible for the expenses under this Contract, including but not limited to expenses arising from notarizing , appraising , assessing and registration.
8.2.5當(dāng)客觀上出現(xiàn)危及借款安全的情況時(shí)(包括擔(dān)保人發(fā)生異常情況等)，最遲在事件發(fā)生后5日以內(nèi)書面通知貸款人，并保證借款本息的償還;
8.2.5 In case something which may lead to the unsafety of loan occurs (including but not limited to the fact that something exceptional occurs to the Guarantor ),the Borrower shall inform the Lender in writing within 5 days of its occurrence and guarantee the repayment of principal and interest of loan.
8.2.6變更住所、通訊地址、聯(lián)系電話、工資收入(如收入水平下降幅度超過申請此項(xiàng)借款時(shí)收入的10%以上)等事項(xiàng)時(shí)，應(yīng)在有關(guān)事項(xiàng)變更后5日內(nèi)書面通知貸款人。
8.2.6 In case of any change of residence, contact address, contact phone number and income ( if the then income decreases by over 10% comparing to the income when the loan is applied.), the Borrower shall inform the Lender in writing within 5 days of the change.
【個(gè)人消費(fèi)貸款借款擔(dān)保合同】相關(guān)文章：
小額貸款借款擔(dān)保合同07-20
個(gè)人消費(fèi)貸款合同05-06
個(gè)人消費(fèi)貸款合同05-30
個(gè)人消費(fèi)借款合同10-24
個(gè)人消費(fèi)借款合同10-25
個(gè)人消費(fèi)借款合同06-01
個(gè)人消費(fèi)借款合同07-21
個(gè)人消費(fèi)貸款合同范文06-01
個(gè)人消費(fèi)貸款合同范本10-28