借款合同個人消費(fèi)貸款借款擔(dān)保合同范本

1、個人消費(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 an

2、d obligations of parties involved.借 貸 條 款 Loan Borrowing Clause第一條 借款金額。見 36.1Article 1. Amount of loan: Refer to 36.1第二條 借款用途。見 36.2Article 2. Purpose of loan: Refer to 36.2第三條 借款期限。 Article 3. Life of loan3.1 見 36.3。 3.1 Refer to 36.33.2 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

3、期為準(zhǔn)。除日期外，借據(jù)或憑證其他記載事項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 s

4、tipulations 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 個營業(yè)日內(nèi)將全 部款項劃至借款人指定的賬戶，劃付次數(shù)、時間、金額見 36.4 。Article 4 Transferring of loan. The full amount of loan shall be transferred to an Account

5、 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 借款利率和計息。5.1 借款利率。本合同項下借款利率根據(jù)國家有關(guān)規(guī)定，確定利 率見 36.5 。遇利率調(diào)整時，借款期限在 1 年 （含）以下的，執(zhí)行合 同利率，不分段計息 ;借款期限在 1 年以上的，實行分段計息，從利 率調(diào)整的次年 1 月 1 日開始，按相應(yīng)利率的

6、檔次執(zhí)行新的利率 ;如借 款人未按約定時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)定對借款人計收罰息，罰息率見 36.6。Article 5. Interest rate of loan and calculation5.1 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 i

7、n 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

8、 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，實行分段計息的，貸款人有權(quán)根據(jù)國家有關(guān) 規(guī)定自行調(diào)整

9、，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 Loan6.1 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)

10、期應(yīng)還款項的存款。 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 r

11、epayment 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 d

12、ue 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 。

13、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

14、 5.1條實行分段計息的， 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 bas

15、is 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際使用天數(shù)計算。6.4 Repayment of the loan ahead of schedule by the Borrower shall be subject to written consent from the Lender. The int

16、erest 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 corr

17、esponding 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 Borrower8.2.1 如實提供貸款人所要求的資料 （包括對外所欠

18、款項、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 i

19、nformation; 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下的借款本金及利息 ;不因與 任何第三方糾紛為理由

20、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 （包括擔(dān)保人發(fā)生異常 情況等 ），最遲在事