借款合同中英文對照版

1、借款合同范本中英文對照版借款合同范本中英文對照版借款人 （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(lián)系電話：Post code ：郵編：Contact number ：貸款人 （以下簡稱乙方 ）Lender ( hereinafter called Party B )Address of living place聯(lián)系電話：Post code :郵編：Contact number :抵押人：Mort

2、gager :身份證件名稱及號碼：ID name and code No : ID card Number住所：Address of living place ：聯(lián)系電話：Post code ： 郵編：Contact numberPledger :身份證件名稱及號碼：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 ：身份證件名稱及號碼：ID name and code No : ID card Number住所:Addre

3、ss of liv ing place聯(lián)系電話：Post code :郵編：Con tact nu mber :根據(jù)中華人民共和國合同法和擔(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。Accord ing to the releva nt laws and regulati ons of the Con tractLaws andGuara ntee Lawof the People 's Republic of China, Party A, PartyB and thereleva nt Guara ntor , after reachi ng

4、 agreeme nt through negotiations on the loan to Party B by Party A , hereby enter into this con tract.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 thiscon tract.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 contr

5、act 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，乙方將在營業(yè)場所對貸款利率調(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

6、contract , interest may be changed as prescribed by the People 's Bank of China, PartyB 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(shù)Article 4 Life of Loan and Total Loan Repayment Terms借款期限詳見本合同第十四條第四款。4.1 Life of loan and total loan repa

7、yment terms are referred to Article 14.4.二、 實際借款發(fā)放日與本合同約定的日期不一致時，以實際 借款 發(fā)放日為準(zhǔn)計算借款期限。4.2 In the event that the actual funds release date isin disagreement with thedate stipulated under this contract , the life of loan shall be calculated based onthe actual day of funds releasing.三、甲、乙雙方約定甲方按期還款，確定還款總

8、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 theLoan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 材料， 履行了乙方要求的申請借款和擔(dān)保手續(xù)，簽署了申請借款所需 法律文件并經(jīng) 乙方審查同意。5.1 Party B will release the funds under condition thatParty A has providedevidences complying with requirements of Party B, and has completed the loan applying

9、 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 theloan into the account designated by Part

10、y 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(fā)放后，甲方就所購商品或服務(wù)發(fā)生的任何糾紛，均與乙方無關(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 fu

11、lfilled.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 releva nt regulatio ns of Party B,shall select ways of in terest calculati on, in terestsettleme ntand loa n prin cipal repayme nt un der Article 146二、甲方應(yīng)當(dāng)于乙方規(guī)定的每期還款

12、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。6.2 The Party A shall pay off the principal , interest and other items in full priorto the stipulated due repayme nt day un der this con tract (details un der Article15.6 ), by deposit ing one of any re

13、payme nt acco unt ope ned by Party B (acco unt n ame and acco unt No. are give n in Article 14.6), and irrevocably authorizes Party B to draw the funds receivable directly from the acco unt above on the duerepayme nt day.三、 甲、乙雙方同意遵循先還息后還本的原則，乙方按照“期項。甲前逾期本息、罰息和復(fù)利一當(dāng)期利息一本金”的順序扣劃甲方還入款民銀行的規(guī)定對逾期借款加收罰息。甲方

14、逾期或未按約定的金額償還借款利息時，乙方有權(quán)按人民銀行的規(guī)定對甲方未支付的利息計收復(fù)利。6.3 In case Party A breaches the con tract , faili ng to repay the funds on duedate or faili ng to pay funds in full, Party B has theright to charge higher in terestrate on overdue loa ns as prescribed by the People ? ? s Bank of China (penalty interest ra

15、te on overdue loan is stipulated under Article15.6 ) In case that Party A fails touse the funds for the agreed purposed un der this con tract , 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 misappropr

16、iation of loa n is stipulated un der Article15.6 ) For overdue loa n or loa n of misappropriate use , Party B shall calculate the in terest rate based on pen alty in terest rate from the day of overdue loa n or misappropriate use of loa n till the prin cipal and in terest are paid off. If Party A fa

17、ilsto pay off the in terest on due date , Party B shall calculate compo und in terest based on pen alty in terest rate.第七條 提前還款 Article 7 Repayment in Advanee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書及還款計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收損失補(bǔ)償金。7.1 If

18、 Party A is able to pay off the loa n ahead of time, it shallsubmit to Party B the irrevocable loan repayment application and repayme nt pla n. After check ingand con firm ing that Party A has no delay of loa n prin cipal andin terest and haspaid off the curre nt in terest , Party B will approval th

19、e repayme ntahead applicati on , the n Party A can repay the loa n in adva nee.The in terest repayable before repayme nt-in-adva nee day shallnot be adjusted.第八條 借款擔(dān)保 Article 8 Guarantee of Loan本合同項下的擔(dān)保條款的效力獨立于本合同。甲方對借款提供的擔(dān)保可選擇如下方式，詳見本合同第十四條第八款。8.1 The effective ness of guara ntee terms un der this

20、con tract isin depe ndent ofthis con tract. The guara ntee type for the loa n is specified in Article 15.8.一、抵押擔(dān)保 Mortgage Guarantee（一）抵押人白愿將本合同附件一“抵押物清單”所列明的財產(chǎn)（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(dān)保。841 The mortgager voluntarily mortgages the property in Guara nty List-theAttachme nt A of this con tract ,

21、and agrees to be restricted by this con tract.（二）本合同抵押物的共有權(quán)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 thiscon tract agrees tomortgage the property and be restricted by this con tract.（三）抵押擔(dān)保范圍：Scope of Guara ntee1. 本合同項下的借款本金、利息（含復(fù)利）罰息；in terest ) , pen alty in tere

22、st un der this con tract832 Penalty , compensation2. 違約金、賠償金、補(bǔ)償金;reimburseme nt ;3. 為實現(xiàn)債權(quán)和抵押權(quán)而支付的費用（包括但不限于因違約方產(chǎn)生的律師費、抵押物處置費）833 Expenses arising from realization of liability and guarantee right (in cludi ng ,but not limited to attor neys' fees, assessme nt fee ,auction fee ， law suit fee ，all-r

23、isk 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 registratio n of mortgaged property based on laws and regulati ons. The mortgager shall take on the fees for the mortgaged property. The mortgager shall provide to the

24、 Party B the evide nee docume nts and releva nt materials of own ership 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 follow ing situati ons happe ns1. 甲方債務(wù)履行期限屆滿，乙方未受清

25、償或未受完全清償?shù)模?1) Party A fails to repay the due loa n payable an d/or otheritems payablebased on this con tract ;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)模?2) Party breaches the con tract , party B claims to take backthe loan in advanee, and Party B fails to be paid off or not fully paid off ;3. 抵押人違反本合同

26、的約定，擅白處分抵押物，或?qū)嵤┳阋允沟盅何飪r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 con tract by dispos ing the guara nty , or impleme nts acti on eno ugh to decrease the value of guara nty , and Party B is refused of restori ng the guara ntyto origi nal value or providi ng guara ntee , Par

27、ty B can exercise the mortgage right in adva nee.（ 六） 乙方可選擇下列方式之一實現(xiàn)抵押權(quán)：Party B can select any one of the following ways to realize the mortgage right1. 與抵押人協(xié)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 mortgage4. 法律允許的其他方式。 (

28、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.

29、(八) 甲方還清全部貸款本息及其它應(yīng)付款項，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 principal and interest , and in fulfillment of all items under this contractthe mortgage relationshipshall 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 對抵押權(quán)產(chǎn)生或可能產(chǎn)生不利影響的情況及時書面通知乙方。Within the period of mortgage ,

30、 the mortgager shallinform the Party B in awritten way all situations he knows or should know thathave produced or mayproduce adverse impact on the guaranty（十）抵押權(quán)存續(xù)期間，抵押人對抵押物應(yīng)當(dāng)妥善保管；負(fù) 有維修、保養(yǎng)、保持抵押物完整無損的義務(wù)并隨時接受乙方的監(jiān)督與 檢查。Within the period of mortgage , the entire guaranty shall be taken goodcare of by t

31、he mortgager, who as well responsible for repair and maintenanceto make sure that the guaranty is all preserved well and subjecthimself to thesupervision 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值 減少時， 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)抵押物的價值 或者提供與減少價值相當(dāng)?shù)膿?dān)保。Within the period of mor

32、tgage , should any decreases happenowing to the action of mortgager , Party B has the rightto 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，均需及時通知貸款 人，若

33、上述行 為影響債權(quán)安全，貸款人有權(quán)要求抵押人禁止實施上述 行為。未經(jīng)乙方書面 同意，甲方不得轉(zhuǎn)讓、變更、贈與抵押物。Within the period of mortgage , without any written approval fromParty B ,the mortgager shall have no right to dispose theguaranty （ disposing wayincludes , but not limited to , transferring , renting , selling ，donating theguaranty )應(yīng)提前清償本合同

34、項下的債務(wù)或轉(zhuǎn)為定期存款質(zhì)押。Within the period of mortgage, any moneygot bytransferring the guaranty based on the approval of Party B shall be usedfor paying off the loan ahead of schedule or changed tofixed deposit for guarantee.（十四）抵押人應(yīng)當(dāng)按照乙方的要求購買抵押財產(chǎn)等保險并 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。保險期 限應(yīng)長于借款 期限，如本合同借款展期，抵押人同意繼

35、續(xù)辦理抵押物 延長投保的手續(xù)。保 險單和續(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)保費用由抵 押人承擔(dān)。As per the requests of Party B, the mortgager shall give an insuranceupon his guaranty , and Party B should be the insured enjoyingright of exclusive and being paid off with priority/primary beneficiary , and no items agains

36、t 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 bekept by

37、Party B. If mortgager refuses extendingthe 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 insurance , or failing to pay

38、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。Within the period of mortgage, the mortgager shall not discontinue orcancel the abovementioned insurance.（十六）抵押權(quán)存續(xù)期間，抵押物發(fā)生保險事故，保險賠償 金應(yīng)當(dāng) 用于提前清償本合同項下的債務(wù)。Within the period of mortgage , should any accident

39、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 加重抵押人的 責(zé)任，無須征得抵押人同意，抵押人仍承擔(dān)擔(dān)保責(zé)任。not limited to , amount of loan , term of loan , interest rate , type

40、 of interest settlement , type of repayment, periodof repayment, repayment amount for each period） , the mortgager is noneed 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)人白愿將本合

41、同附件二“質(zhì)押物清單”所列明的 動產(chǎn)/ 權(quán)利（以下簡稱質(zhì)物）質(zhì)押給乙方，作為甲方償還本合同項下借款的擔(dān)保。The pledger voluntarily pledges the movable assets/rights inPledges 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)人同意將本合同項下的質(zhì)物作質(zhì) 押，并同意受本合同約束。The co-owner of the pledges under this contract agrees on pl

42、edging 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 offollowing situationshappens ：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

43、清償?shù)模籔arty 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)物價值減少，出質(zhì)人未按照乙方要求提供擔(dān)保的，乙方 可以提 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 ex

44、ercise the pledge right in advance.（五）乙方可選擇下列方式之一實現(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)物折價受償； Discount of pledges inagreement with pledger2. 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

45、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，無須征得出質(zhì)人同意，出質(zhì)人仍對本合同項下的債 務(wù)承擔(dān)擔(dān)保責(zé) 任。WhenParty B and Party A change the contract（ including , butnot limited to ， amount of loan ， term of loan ， interest rate ， type of interest settlement ， type of repayment ， period of repayment, repayment amou

46、nt 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 合同項下的全部借款本金、利息及費用或出質(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 confi

47、rmation of Party B , and all certificates shall be kept by Party B. WhenParty A pays off the principal , interest and expenses for the whole loan under this contract , or the pledger pays off the guaranteed securityinstead of Party A, Party B shall return the pledges and relevant certificates to the

48、 pledger.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. 為實現(xiàn)債權(quán)和質(zhì)權(quán)而支付的費用（包括但不限于因違約方 發(fā)生的律師費）（三）保證人保證責(zé)任的保證期間白本合同生效之日起，至 本合 同項下債務(wù)履行期限屆滿之日起兩年。The guarantee period is two years , from the day whe

49、nthe 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，保證人應(yīng)及時通知 乙方，甲方應(yīng) 提供新的擔(dān)保。Within the term of loan , should the guarantor be declared bankrupt or bedissolved , or under insolvency to lose qualificati

50、on of guarantee and ability , theguarantor 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借款文件是真實、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 andlega

51、l , and cooperate with Party A to investigate censor and check the data.二、甲方應(yīng)定期或隨時應(yīng)乙方要求，向乙方提供真實反映甲方財務(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 providethe documents or certificates reflecting truly the financial statusor income ofParty A.三、本合同履行期間，甲方單位、住所、聯(lián)系方式等

52、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 incompany, address , contact way of Party A, he shall inform Party B withinten (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(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

53、 other purpose thanthat 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 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

54、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 happensor may happento the guarantor that influence his guaranteeingability , Party A should no tifyParty B in written way within fivecha nges and provide a new(5) days after theguara ntee compl ying

55、with requireme nt of Party B or take anyremedial 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并以乙方為保險的優(yōu) 償人。本合同履行期間，甲方不得中斷、撤銷保險。先受9.6 Party A shall be responsible for handling theattor ney service , registryin sura nee , no tarizati on , evaluati on etc related to the con tract

56、 and all expe nses.七、本合同項下的按揭律師服務(wù)費、保險費、評估費、公證用按照相關(guān)規(guī)定或由甲乙雙方協(xié)商承擔(dān)。費等費第十條 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 follow ingsituati ons happe ns甲方改變借款用途；Party Achanges the purpose ofthe 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 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 arefake 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(chǎn)代管人、監(jiān)護(hù)人或者其繼承人、受 遺贈人、財產(chǎn)代管人、監(jiān)護(hù)人拒絕履行本合同；Party A is deceased, declared disapp