個(gè)人消費(fèi)貸款借款擔(dān)保合同

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。ThisContractismadeinlinewiththeContractLawofthePeople'sRepublicofChinaandTheGeneralProvisionsofLoansofthePeople'sBankofChinatospecifytherightsandobligationsofpartiesinvolved.借貸條款LoanBorrowingClause第一條借款金額。見(jiàn) 36.1Article1.Amountofloan ：Referto36.1第二條借款用途。見(jiàn) 36.2Article2.Purposeofloan ：Referto36.2第三條借款期限。Article3.Lifeofloan3.1見(jiàn)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)。3.2AcertificateofindebtednessoraloanvoucherisanintegralpartofthisContract.Thedateofadvanceandpaymentduedateshallfollowthedatespecifiedonthecertificate ofindebtedness orloanvoucher.Wherethere

isanyinconsistencybetweenthestipulationsonthecertificateofindebtedness orloanvoucherandtheTermsandConditions

onthisContractexceptdate

，thelattershallprevail.第四條借款劃付。在借款人辦妥借款手續(xù)后 5個(gè)營(yíng)業(yè)日內(nèi)將全部款項(xiàng)劃至借款人指定的賬戶(hù)，劃付次數(shù)、時(shí)間、金額見(jiàn) 36.4.Article4Transferringofloan.ThefullamountofloanshallbetransferredtoanAccountdesignatedbytheBorrowerwithin5workingdaysfromthedateofcompletingborrowingprocedure. Referto36.4for thefrequency，time andamountoftransferring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(guó)家有關(guān)規(guī)定，確定利率見(jiàn)—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(kāi)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(guó)家規(guī)定對(duì)借款人計(jì)收罰息，罰息率見(jiàn)36.6.Article5.Interestrateofloanandcalculation5.1Interestrateofloan：TheinterestrateunderthisContractisspecifiedin36.5inlinewithrelevantrules.Incaseofchangeofinterestrate，theinterestrateintheContractshallprevailforloanswithalife

stipulatedoflessthanorequaltooneyear；Forloanswithalife

exceedingoneyear，theinterest

shall

becalculated

onamulti-stage

basis

，i.e.FromnextJan.1stfollowingtheadjustmentofinterestratethenewrateshallprevail.IncasetheBorrowerfails

，torepaytheprincipal

andinterest

beforetheduedate，orfails

tousetheloanforpurposesasagreedinthisContract ，thelendershallbeentitledtocollectdefaultinterestinlinewithrelevant rules. Thedefault interest rate isspecified in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(guó)家有關(guān)規(guī)定自行調(diào)整，不另行通知借款人。5.2Incaseofcalculatinginterestonmulti-stagebasisduetoadjustmentofinterestrate，thelendershallbeentitledtoadjusttheinterestrateonhisownwithoutfurthernoticetotheBorrower.第六條還款方式Article6TypeofRepaymentofLoan6.1借款人應(yīng)在貸款人開(kāi)設(shè)帳戶(hù)，戶(hù)名和帳號(hào)見(jiàn) 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(hù)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(hù)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(guó)工商銀行任何分支機(jī)構(gòu)開(kāi)立的任何帳戶(hù)劃收。6.1TheBorrowershouldopenanaccountwiththeLender（Theaccountnameandaccountnumberarespecifiedin36.7.andpromisetodepositsufficientmoneyforrepaymentbefore

）eachduedate.TheBorrowerherebyauthorizestheLendertocollect

，ifany

，compoundinterest

，defaultinterest

，liquidated

damage，premium，compensation

andexpensesarisingfromtherealizationofcreditor

‘sright

（includinglawyer

’sfeeandcourtexpense）inadditiontodueprincipalofloan.IncasetheassetinthisAccountisnotenoughfor

andinterestrepaymentofdueprincipalandinterest，theLendershallbeentitledtocollectfromanyAccountopenedbytheBorrowerwithanybranchofICBC.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(jiàn)TheBorrowershall

repaytheprincipal

andinterestonamonthlybasis

（Exceptrepaying

principal

andinterest

inalumpsum）fromthesecondmonthfollowing theissuing ofloan ，asagreedbetweentheBorrowerandLender.Therepaymenttenorsandtypearespecifiedin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(duì)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(kāi)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。6.3Incaseofmulti-stagecalculationofinterestasspecifiedin5.1duetoadjustmentofinterestrateduringthelifeofloan，therepaymentamountforloanswithalifeexceedingoneyearshall berecalculated onthebasisofbalanceofunpaidloanandtherestofrepaymenttenorfromnextJan.1stfollowingtheadjustmentofinterestrate.6.4借款人提前歸還貸款須經(jīng)貸款人書(shū)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。6.4RepaymentoftheloanaheadofschedulebytheBorrowershallbesubjecttowrittenconsentfromtheLender.TheinterestofprepaidamountshouldbecalculatedonthebasisofratespecifiedinthisContractandactualdays.第七條擔(dān)保方式。本合同的擔(dān)保人及擔(dān)保方式見(jiàn) 36.9.具體約定由本合同中相應(yīng)的擔(dān)保條款確足。Article7Guarantytype.TheGuarantorandguarantytypeunderthisContractisspecifiedin36.9.Thespecificstipulationsarestatedincorrespondingguarantyclauses.第八條借款人的權(quán)利、義務(wù) Article8RightsandobligationsoftheBorrower.8.1借款人的權(quán)利：8.1RightsoftheBorrower.按本合同約定的期限和用途取得和使用借款；ObtainandusetheloanfortheperiodandpurposesasagreedinthisContract.8.2借款人的義務(wù)8.2ObligationsoftheBorrower如實(shí)提供貸款人所要求的資料（包括對(duì)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(kāi)支等情況，并對(duì)貸款審查過(guò)程中所提供材料的真實(shí)性、準(zhǔn)確性、完整性負(fù)責(zé)；Providetheactualdocuments

（includingdebtsandlatest

large

loan）required

bytheLender

；Cooperate

with

theLenderfor

theinvestigation

，audit

andexamination

ofpersonalincomeandexpenseamongstotherrelevantinformation

；Beresponsibleforthesufficiencydocumentsprovided.

，accuracyandgenuinenessof自覺(jué)接受貸款人對(duì)本合同項(xiàng)下借款使用情況的調(diào)查、了解及監(jiān)督；toinvestigate ，knowandsupervisetheuseofloanunderthisContract.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)；Contract infull inline withthestipulations ofthis Contract.Neverrefusetherepaymentduetodisputes withanythird party.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(píng)估、登記等事項(xiàng)的費(fèi)用；Contract，includingbutnotlimitedtoexpensesarisingfromnotarizing ，appraising ，assessingandregistration.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?xún)?nèi)書(shū)面通知貸款人，并保證借款本息的償還；ofloanoccurs （includingbutnotlimitedtothefactthatsomethingexceptionaloccurstotheGuarantorshallinformtheLenderinwritingwithin5daysofits

），theBorroweroccurr