中信銀行個人貸款合同中英文版

中信銀行個人貸款合同中英文版借錢人(以下簡稱甲方)：borrower(hereinaftercalledpartya):身份證件名稱及號碼：idnameandcodeno:idcardnumber住處：addressoflivingplace:聯(lián)系電話：postcode:郵編：contactnumber:貸款人(以下簡稱乙方)：lender(hereinaftercalledpartyb):住處：addressoflivingplace:聯(lián)系電話：postcode:郵編：contactnumber:抵押人：mortgager:身份證件名稱及號碼：idnameandcodeno:idcardnumber住處：addressoflivingplace:聯(lián)系電話：postcode:郵編：contactnumber:出質(zhì)人：pledger:身份證件名稱及號碼：idnameandcodeno:idcardnumber第1頁共33頁住處：addressoflivingplace:聯(lián)系電話：postcode:郵編：contactnumber:保證人：guarantor:身份證件名稱及號碼：idnameandcodeno:idcardnumber住處：addressoflivingplace:聯(lián)系電話：postcode:郵編：contactnumber:依據(jù)中華人民共和國合同法和擔保法的有關(guān)規(guī)定，甲方、乙方和擔保方經(jīng)過磋商，就乙方向甲方貸款事宜完成以下合同條款。accordingtotherelevantlawsandregulationsofthecontractlawsandguaranteelawofthepeoplersquo;srepublicofchina,partya,partybandtherelevantguarantor,afterreachingagreementthroughnegotiationsontheloantopartybbypartya,herebyenterintothiscontract.第一條借錢金額article1amountofloan詳見本合同第十四條第一款。第2頁共33頁underthiscontract.第二條借錢用途article2purposeofloan詳見本合同第十四條第二款。2.1purposeofloanforthiscontractisreferredtoarticle15.2.第三條借錢利率article3interestofloan一、借錢利率詳見本合同第十四條第三款。3.1interestofloanisreferredtoarticleloan.二、本合同執(zhí)行時期，遇中國人民銀行貸款利率調(diào)整，借錢利率按有關(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)整狀況進行通告，不再另行書面通知甲方。3.2duringthetermofthisloancontract,interestmaybechangedasprescribedbythepeoplersquo;sbankofchina,partybisentitledtoadjustandimplementtheinterestratewithoutfurthernoticetopartya.第四條借錢限期及還款總期數(shù)article4lifeofloanandtotalloanrepaymentterms一、借錢限期詳見本合同第十四條第四款。第3頁共33頁4.1lifeofloanandtotalloanrepaymenttermsarereferredtoarticle14.4.二、實質(zhì)借錢發(fā)放日與本合同商定的日期不一致時，以實質(zhì)借錢發(fā)放日為準計算借錢限期。4.2intheeventthattheactualfundsreleasedateisindisagreementwiththedatestipulatedunderthiscontract,thelifeofloanshallbecalculatedbasedontheactualdayoffundsreleasing.三、甲、乙雙方商定甲方如期還款，確立還款總期數(shù)，詳見本合同第十四條第四款。第五條借錢發(fā)放article5releaseoffundsundertheloan一、乙方發(fā)放借錢的前提是甲方供給了切合乙方要求的證明資料，執(zhí)行了乙方要求的申請借錢和擔保手續(xù)，簽訂了申請借錢所需法律文件并經(jīng)乙方審察贊同。5.1partybwillreleasethefundsunderconditionthatpartyahasprovidedevidencesplyingwithrequirementsofpartyb,andhaspletedtheloanapplyingandguaranteeingprocedures,andhassignedthelegaldocumentswith第4頁共33頁checkandapprovalofpartyb.二、甲方受權(quán)乙方在審查贊同后，將借錢直接劃入甲方指定并經(jīng)乙方認同的賬戶(賬戶名稱、賬號詳見第十四條第五款)，即為乙方如約執(zhí)行了向甲方供給借錢的義務(wù)。5.2afterfundsreleaseisapproved,partyawillgrantpartybtotransfertheloanintotheaccountdesignatedbypartyaandapprovedbypartyb(accountnameandaccountno.aregivenunderarticle14.5).三、本合同項下的借錢發(fā)放后，甲方就所購商品或服務(wù)發(fā)生的任何糾葛，均與乙方?jīng)]關(guān)，本合同應(yīng)正常執(zhí)行。5.3afterreleasingoftheloan,anydisputesundertheuseoffundsunderthisloanbypartyahasnorelationshipwithpartyb,andthecontractwillstillbefulfilled.第六條借錢償還article6repaymentoftheloan一、甲方應(yīng)依據(jù)乙方有關(guān)貸款方法例定，在下述四種還款方式中選擇一種方式送還借錢本息，甲方選擇的還款方式詳見本合同第十四條第六款：6.1partya,basedonrelevantregulationsofpartyb,shallselectwaysofinterestcalculation,interestsettlementandloanprincipalrepaymentunder第5頁共33頁article14.6.二、甲方應(yīng)該于乙方規(guī)定的每期還款日(詳見第十四條第六款)前，將當期應(yīng)償還的借錢本息及逾期的罰息、復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)，其實不行撤除地受權(quán)乙方于當期還款日直接從該賬戶劃收應(yīng)收款項。6.2thepartyashallpayofftheprincipal,interestandotheritemsinfullpriortothestipulatedduerepaymentdayunderthiscontract(detailsunderarticle15.6),bydepositingoneofanyrepaymentaccountopenedbypartyb(accountnameandaccountno.aregiveninarticle14.6),andirrevocablyauthorizespartybtodrawthefundsreceivabledirectlyfromtheaccountaboveontheduerepaymentday.三、甲、乙兩方贊同依據(jù)先還息后還本的原則，乙方依據(jù)“期前逾期本息、罰息和復利-當期利息-本金”的次序扣劃甲方還進款項。甲方違犯本合同商定，逾期或未按商定的金額送還借錢本息，乙方有權(quán)依據(jù)人民銀行的規(guī)定對逾期借錢加收罰息。甲方逾期或未按商定的金額償還借錢利息時，乙方有權(quán)按人民銀行的規(guī)定對甲方未支付的利息計光復利。第6頁共33頁6.3incasepartyabreachesthecontract,failingtorepaythefundsonduedateorfailingtopayfundsinfull,partybhastherighttochargehigherinterestrateonoverdueloansasprescribedbythepeoplesbankofchina(penaltyinterestrateonoverdueloanisstipulatedunderarticle15.6).incasethatpartyafailstousethefundsfortheagreedpurposedunderthiscontract,partybhastherighttochargepenaltyinterestrateonoverdueloansasprescribedbythepeoplersquo;sbankofchina(penaltyinterestrateonmisappropriationofloanisstipulatedunderarticle15.6).foroverdueloanorloanofmisappropriateuse,partybshallcalculatetheinterestratebasedonpenaltyinterestratefromthedayofoverdueloanormisappropriateuseofloantilltheprincipalandinterestarepaidoff.ifpartyafailstopayofftheinterestonduedate,partybshallcalculatepoundinterestbasedonpenaltyinterestrate.第七條提早還款article7repaymentinadvance第7頁共33頁甲方如欲提早還款，應(yīng)于擬提早還款日前三十天將提早還款申請書及還款計劃以書面形式提交乙方，經(jīng)乙方審察贊同后即為不行撤除。甲方經(jīng)乙方審察確認甲方未有拖欠借錢本息及已還清當期本息后方可提早還款。提早還款日前已計收的利息不作調(diào)整。提早還款，乙方有權(quán)按提早還款金額的%計收損失賠償金。7.1ifpartyaisabletopayofftheloanaheadoftime,itshallsubmittopartybtheirrevocableloanrepaymentapplicationandrepaymentplan.aftercheckingandconfirmingthatpartyahasnodelayofloanprincipalandinterestandhaspaidoffthecurrentinterest,partybwillapprovaltherepaymentaheadapplication,thenpartyacanrepaytheloaninadvance.theinterestrepayablebeforerepayment-in-advancedayshallnotbeadjusted.第八條借錢擔保article8guaranteeofloan本合同項下的擔保條款的效勞獨立于本合同。甲方對借錢供給的擔?？蛇x擇以下方式，詳見本合同第十四條第八款。第8頁共33頁8.1theeffectivenessofguaranteetermsunderthiscontractisindependentofthiscontract.theguaranteetypefortheloanisspecifiedinarticle15.8.一、抵押擔保mortgageguarantee(一)抵押人自發(fā)將本合同附件一“抵押物清單”所列明的財富(以下簡稱抵押物)抵押給乙方，作為甲方償還本合同項下借錢的擔保。propertyinguarantylist-theattachmentaofthiscontract,andagreestoberestrictedbythiscontract.(二)本合同抵押物的共有權(quán)人贊同將本合同項下的抵押物作抵押，并贊同受本合同拘束thiscontractagreestomortgagethepropertyandberestrictedbythiscontract.(三)抵押擔保范圍：scopeofguarantee本合同項下的借錢本金、利息(含復利)、罰息;8.3.1theprincipalofloan,interest(includingpoundinterest),penaltyinterestunderthiscontract;第9頁共33頁2.違約金、賠償金、賠償金;8.3.2penalty,pensation,reimbursement;為實現(xiàn)債權(quán)和抵押權(quán)而支付的花費(包含但不限于因違約方產(chǎn)生的律師費、抵押物處理費)。liabilityandguaranteeright(including,butnotlimitedtoattorneys'fees,assessmentfee,auctionfee,lawsuitfee,all-riskfee,travele_penseetc.).(四)抵押人一定依據(jù)法律規(guī)定辦理抵押物的登記手續(xù)。抵押人向乙方供給該抵押物的所有權(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存。8.4themortgagershallpletetheregistrationofmortgagedpropertybasedonlawsandregulations.themortgagershalltakeonthefeesforthemortgagedproperty.themortgagershallprovidetothepartybtheevidencedocumentsandrelevantmaterialsofownershipoftheguaranty,andtheoriginalofmortgageregistrationcertificateshallbekeptbypartyb.(五)出現(xiàn)以下情況之一，乙方能夠履行抵押權(quán)：第10頁共33頁8.4partybcane_ercisethemortgagerightincaseoneoffollowingsituationshappens:甲方債務(wù)執(zhí)行限期屆滿，乙方未受清賬或未受完好清賬的;(1)partyafailstorepaythedueloanpayableand/orotheritemspayablebasedonthiscontract;甲方違犯本合同的商定，乙方宣布提早回收借錢，乙方未受清賬或未受完好清賬的;(2)partybreachesthecontract,partybclaimstotakebacktheloaninadvance,andpartybfailstobepaidoffornotfullypaidoff;抵押人違犯本合同的商定，私自處罰抵押物，或?qū)嵭凶阋允沟盅何飪r值減少的行為，乙方要求抵押人恢還原狀或許供給擔保遭拒絕，乙方能夠提早履行抵押權(quán)。themortgagerbreachesthecontractbydisposingtheguaranty,orimplementsactionenoughtodecreasethevalueofguaranty,andpartybisrefusedofrestoringtheguarantytooriginalvalueorprovidingguarantee,partybcane_ercisethemortgage第11頁共33頁rightinadvance.(六)乙方可選擇以下方式之一實現(xiàn)抵押權(quán)：partybcanselectanyoneofthefollowingwaystorealizethemortgageright:1.與抵押人協(xié)議以抵押物折價受償;discountofmortgageinagreementwithmortgager;2.拍賣受償;(2)auctionofguaranty;變賣受償;(3)saleofmortgage;法律贊同的其余方式。(4)otherwaysallowedbylaw.(七)抵押人應(yīng)向乙方供給抵押物的權(quán)益證書及其余有效證明文件和相應(yīng)資料，經(jīng)乙方確認后，由乙方保存。themortgagershallprovidetopartybtheownershipcertificateandothervalidcertificationdocumentsandrelevantmaterials,afterconfirmationofpartyb,alldocumentationaforementionedshallbekeptbypartyb.(八)甲方還清所有貸款本息及其余對付款項，并執(zhí)行了本合同的所有條款，則抵押關(guān)系停止。underconditionthatpartyapaysoffthetotalloanprincipalandinterest,第12頁共33頁andinfulfillmentofallitemsunderthiscontract,themortgagerelationshipshallterminate.(九)抵押權(quán)存續(xù)時期，抵押人應(yīng)將其所知道或應(yīng)該知道的對抵押權(quán)產(chǎn)生或可能產(chǎn)生不利影響的情況實時書面通知乙方。withintheperiodofmortgage,themortgagershallinformthepartybinawrittenwayallsituationsheknowsorshouldknowthathaveproducedormayproduceadverseimpactontheguaranty(十)抵押權(quán)存續(xù)時期，抵押人對抵押物應(yīng)該妥當保存;負有維修、養(yǎng)護、保持抵押物完好無損的義務(wù)并隨時接受乙方的監(jiān)察與檢查。withintheperiodofmortgage,theentireguarantyshallbetakengoodcareofbythemortgager,whoaswellresponsibleforrepairandmaintenancetomakesurethattheguarantyisallpreservedwell,andsubjecthimselftothesupervisionandinspectionfrompartybatanytime.(十一)抵押權(quán)存續(xù)時期，抵押人的行為足以使抵押第13頁共33頁物價值減少時，乙方有官僚求抵押人停止該行為，并要求抵押人在十天內(nèi)恢復抵押物的價值或許供給與減少價值相當?shù)膿！ithintheperiodofmortgage,shouldanydecreaseshappenowingtotheactionofmortgager,partybhastherighttorequestthemortgagertostoptheactionandrestorethevalueorprovideguarantyworththeequalvalueofthedecreaseswithinten(10)days.(十二)抵押權(quán)存續(xù)時期，抵押人能夠?qū)⒌盅何锍鼋琛?在抵押行為建立后)出租;抵押人在從事上述行為前，均需實時通知貸款人，若上述行為影響債權(quán)安全，貸款人有官僚求抵押人嚴禁實行上述行為。未經(jīng)乙方書面贊同，甲方不得轉(zhuǎn)讓、更改、贈與抵押物。withintheperiodofmortgage,withoutanywrittenapprovalfrompartyb,themortgagershallhavenorighttodisposetheguaranty(disposingwayincludes,butnotlimitedto,transferring,renting,selling,donatingthe第14頁共33頁guaranty).(十三)抵押權(quán)存續(xù)時期，經(jīng)乙方贊同的抵押物轉(zhuǎn)讓所得價款，應(yīng)提早清賬本合同項下的債務(wù)或轉(zhuǎn)為按期存款質(zhì)押。8.4.12withintheperiodofmortgage,anymoneygotbytransferringtheguarantybasedontheapprovalofpartybshallbeusedforpayingofftheloanaheadofscheduleorchangedtofi_eddepositforguarantee.(十四)抵押人應(yīng)該依據(jù)乙方的要求購置抵押財富等保險并以乙方為優(yōu)先受償人，且不得商定任何有損乙方權(quán)益的條款。保險限期應(yīng)擅長借錢限期，如本合同借錢展期，抵押人贊同持續(xù)辦理抵押物延伸投保的手續(xù)。保險單和續(xù)保單正本由乙方保存。如抵押人拒絕辦理續(xù)保手續(xù)，乙方能夠取代抵押人直接手理續(xù)保手續(xù)，續(xù)?；ㄙM由抵押人擔當。aspertherequestsofpartyb,themortgagershallgiveaninsurance第15頁共33頁e_tended,themortgagershallagreeontherenewalinsurancefortheguaranty.theoriginalsofinsurancepolicyandrenewalordershallbekeptbypartyb.ifmortgagerrefusese_tendingtheinsuranceterm,partybhastherighttodealwithinsuranceterme_tendinginsteadofmortgager,andtherenewalinsurancecostshallbetakenonbythemortgager.shouldanylossescausedbyrefusalofinsuranceorrenewalinsurance,orfailingtopayfortheinsurancefrommortgager,themortgagershalltakeonthem.(十五)抵押權(quán)存續(xù)時期，抵押人不得中止或許撤除上述保險。withintheperiodofmortgage,themortgagershallnotdiscontinueorcanceltheabovementionedinsurance.(十六)抵押權(quán)存續(xù)時期，抵押物發(fā)生保險事故，保險賠償金應(yīng)該用于提早清賬本合同項下的債務(wù)。withintheperiodofmortgage,shouldanyaccidenthappenstotheguaranty,insurancepensationshouldbeusedforpayingofftheloanunderthiscontractaheadofschedulewithpriority.(十七)乙方與甲方更改本合同(包含但不限于借錢金額、限期、利率、結(jié)息方式、還款方第16頁共33頁式，還款期數(shù)、每期還款額)，只需不加重抵押人的責任，無須征得抵押人贊同，抵押人仍擔當擔保責任。whenpartybandpartyachangethecontract(including,butnotlimitedto,amountofloan,termofloan,interestrate,typeofinterestsettlement,typeofrepayment,periodofrepayment,repaymentamountforeachperiod),themortgagerisnoneedtobenotifiedifresponsibilityofmortgagerisnotincreasedaccordingly,andthemortgagerisstillbeartheresponsibilityofguarantee.二、質(zhì)押擔保pledgeguarantee(一)出質(zhì)人自發(fā)將本合同附件二“質(zhì)押物清單”所列明的動產(chǎn)/權(quán)益(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錢的擔保。thepledgervoluntarilypledgesthemovableassets/rightsinpledgeslist-attachmentbofthiscontract,andagreestoberestrictedbythiscontract.(二)本合同質(zhì)物的共有權(quán)人贊同將本合同項下的質(zhì)物作質(zhì)押，并贊同受本合同拘束。第17頁共33頁theco-ownerofthepledgesunderthiscontractagreesonpledgingandberestrictedbythiscontract.(四)出現(xiàn)以下情況之一，乙方能夠履行質(zhì)權(quán)：partycane_ercisethepledgerightincaseoneoffollowingsituationshappens:甲方債務(wù)執(zhí)行限期屆滿，乙方未受清賬或未受完好清賬的;partyafailstorepaythedueloanpayableand/orotheritemspayablebasedonthiscontract;乙方依據(jù)本合同的商定，提早回收借錢，乙方未受清賬或未受完好清賬的;partybreachesthecontract,partybclaimstotakebacktheloaninadvance,andpartybfailstobepaidoffornotfullypaidoff;質(zhì)物價值減少，出質(zhì)人未依據(jù)乙方要求供給擔保的，乙方能夠提早履行質(zhì)權(quán)。shouldthevalueofpledgesisdecreased,andthepledgerfailstoprovideguaranteerequiredbypartyb,partybcane_ercisethepledgerightinadvance.(五)乙方可選擇以下方式之一實現(xiàn)質(zhì)權(quán)：第18頁共33頁partybcanselectanyoneofthefollowingwaystorealizethepledgeright:1.與出質(zhì)人協(xié)議以質(zhì)物折價受償;discountofpledgesinagreementwithpledger;拍賣受償;auctionofpledges;變賣受償;saleofpledges;法律贊同的其余方式。otherwaysallowedbylaws.(六)甲方與乙方更改本合同(包含但不限于借錢金額、限期、利率、結(jié)息方式、還款方式、還款期數(shù)、每期還款額)，只需不加重出質(zhì)人的責任，不必征得出質(zhì)人贊同，出質(zhì)人仍對本合同項下的債務(wù)擔當擔保責任。whenpartybandpartyachangethecontract(including,butnotlimitedto,amountofloan,termofloan,interestrate,typeofinterestsettlement,typeofrepayment,periodofrepayment,repaymentamountforeachperiod),thereisnoneedtoaskforapprovalofthepledger,andthepledgerisstillbeartheresponsibilityofguarantee.(七)出質(zhì)人應(yīng)將質(zhì)物或質(zhì)押權(quán)益憑據(jù)交乙方保存。甲方償還本合同項下的所有借錢本金、利息及花費或出質(zhì)人代甲方清賬所擔保的債權(quán)，乙方應(yīng)將質(zhì)物及其有關(guān)證明文件返還出質(zhì)人。第19頁共33頁thepledgershallprovidetopartybtheevidencecertificates,afterconfirmationofpartyb,andallcertificatesshallbekeptbypartyb.whenpartyapaysofftheprincipal,interestande_pensesforthewholeloanunderthiscontract,orthepledgerpaysofftheguaranteedsecurityinsteadofpartya,partybshallreturnthepledgesandrelevantcertificatestothepledger.三、保證擔保guarantee(一)本合同的保證方式為連帶責任保證。theguaranteeformunderthiscontractisjointliabilityassurance.(二)保證人保證擔保的范圍：本合同項下的借錢本金、利息(含復利)、罰息;違約金、賠償金、賠償金;為實現(xiàn)債權(quán)和質(zhì)權(quán)而支付的花費(包含但不限于因違約方發(fā)生的律師費)。(三)保證人保證責任的保證時期自本合同奏效之日起，至本合同項下債務(wù)執(zhí)行限期屆滿之日起兩年。theguaranteeperiodistwoyears,fromthedaywhenthecontractbeeseffectivetillthee_piringdayofliabilityfulfillmenttermunderthiscontract.(四)在借錢期內(nèi)，保證人發(fā)生被宣布破產(chǎn)、被依法撤除、解第20頁共33頁散、資不抵債等喪失擔保資格和能力的變故時，保證人應(yīng)實時通知乙方，甲方應(yīng)供給新的擔保。withinthetermofloan,shouldtheguarantorbedeclaredbankruptorbedissolved,orunderinsolvencytolosequalificationofguaranteeandability,theguarantorshouldnotifypartybintime,andpartyshouldprovideanewguarantee.第九條其余權(quán)益與義務(wù)article9miscellaneousrightsandobligations一、甲方保證供給的申請借錢文件是真切、有效、合法的，并接受乙方的監(jiān)察和檢查。9.1partyashallensuretheloanapplicationdataareplete,true,validandlegal,andcooperatewithpartyatoinvestigate,censorandcheckthedata.二、甲方應(yīng)按期或隨時應(yīng)乙方要求，向乙方供給真切反應(yīng)甲方財務(wù)狀況或收入狀況的文件或證明。9.2atregulartimeoranytimerequestedbypartyb,partyashouldprovidethedocumentsorcertificatesreflectingtrulythefinancialstatusorineof第21頁共33頁partya.三、本合同執(zhí)行時期，甲方單位、住處、聯(lián)系方式等發(fā)生變化，應(yīng)在變化發(fā)生后十天內(nèi)通知乙方。9.3withinperiodofthiscontract,shouldanychangesoccurinpany,address,contactwayofpartya,heshallinformpartybwithinten(10)daysafterthechanges.四、甲方不得挪用借錢。甲方借錢不用于購置或退掉本合同商定的商品或服務(wù)，應(yīng)按提早還款與乙方結(jié)算，否則，視為改變借錢用途挪作他用。9.4partyashallnotusetheloanfundsforotherpurposethanthatprescribedunderthiscontract.ifpartyadoesnotusetheloanontheagreedpurposeunderthiscontract,heshouldcleartheloanwithpartybaheadofschedule,otherwise,partyashallbetreatedasmisappropriateuseofloan.五、本合同執(zhí)行時期，擔保人發(fā)生或可能發(fā)生影響其擔保能力的變化，甲方應(yīng)該在變化發(fā)生的五日內(nèi)書面通知乙方并應(yīng)該在十天內(nèi)供給新的、切合乙方要求的擔?；蛟S采納乙方認同的挽救舉措。9.5withinperiodofthiscontract,shouldanychangeshappensormayhappen第22頁共33頁totheguarantorthatinfluencehisguaranteeingability,partyashouldnotifypartybinwrittenwaywithinfive(5)daysafterthechangesandprovideanewguaranteeplyingwithrequirementofpartybortakeanyremedialmeasuresapprovedbypartybwithinten(10)days.六、甲方應(yīng)該依據(jù)乙方的要求投保保險并以乙方為保險的優(yōu)先受償人。本合同執(zhí)行時期，甲方不得中斷、撤除保險。9.6partyashallberesponsibleforhandlingtheattorneyservice,registry,insurance,notarization,evaluationetcrelatedtothecontractandalle_penses.七、本合同項下的按揭律師服務(wù)費、保險費、評估費、公證費等花費依據(jù)有關(guān)規(guī)定或由甲乙兩方磋商擔當。第十條違約責任article10defaultliability一、發(fā)生以下狀況之一即構(gòu)成違約：10.1faultliabilityoccursincaseanyoneofthefollowingsituationshappens:(一)甲方改變借錢用途;partyachangesthepurposeoftheloan;第23頁共33頁(二)甲方違犯本合同商定，逾期或未按商定的金額送還借款本息;partyabreachesthecontract,failingtorepaythefundsonduedateorfailingtopayfundsinfull;(三)甲方供給的證明、資料等文件有虛假、非法的狀況;thecertificatesandmaterialsprovidedbypartyaarefakeorillegal;(四)甲方死亡、被宣布死亡、被宣布失散、喪失民事行為能力后無繼承人、受遺贈人、財富代管人、監(jiān)護人或許其繼承人、受遺贈人、財富代管人、監(jiān)護人拒絕執(zhí)行本合同;partyaisdeceased,declareddisappearanceordeath,noheirs,donatee,propertykeeper,guardianafterlosingthecapacityofcivilconduct,orhisheir,donatee,propertykeeper,guardianrefusestofulfillthiscontract;(五)合同執(zhí)行時期，抵押人私自處罰抵押物，或許抵押人的行為足以使抵押物價值減少，乙方要求恢還原狀、供給擔保遭拒絕;withintheperiodofthecontract,incasethatthemortgagerdisposes第24頁共33頁thepropertywithoutapprovalofpartyb,oractionofthemortgagercandecreasethevalueofguaranty,partybisrefusedofrestoringthepropertyorprovisionofnewguarantee.(六)合同執(zhí)行時期，甲方中止、撤除乙方要求投保的保險;(七)保證人供給虛假財務(wù)報告或許拒絕乙方對其財務(wù)狀況進行監(jiān)察、檢查;theguarantorprovidesfalsefinancialreportorrefusesthecheckandsupervisionofpartybonhisfinancialstatus.(八)保證人違犯本合同保證條款或喪失擔保能力甲方未能供給切合乙方要求的擔保;theguarantorbreachesthetermsofthiscontractorlosestheabilityofguarantee,andpartyafailstoprovidetheguaranteerequiredbypartyb.(九)甲方或擔保人其余可能影響送還乙方貸款的行為。otheractionsfrompartyaortheguarantorthatmayinfluencerepaymentofloantopartyb.二、發(fā)生違約狀況時，乙方有權(quán)采納以下一種或多種舉措：10.2intheeventofdefault,partybhastherighttotakeanyoneorafew第25頁共33頁measuresbelow:(一)按中國人民銀行的規(guī)定計收罰息和復利;calculatethepenaltyinterestrateandpoundinterestasregulationsofthepeoplersquo;sbankofchina;(二)要求甲方立刻提早償還部分或所有借錢，或以合法程序處罰本合同項下的抵、質(zhì)押物以清賬所有借錢和利息，或要求保證人執(zhí)行保證責任;disposetheguarantyundermortgageand/orpledgebylaw,topayoffthetotalloanandrelevantinterest;requiretheguarantortofulfilltheguaranteeliability;(三)其余法律贊同的舉措。othermeasuresallowedbylaw.第十一條公證article11notarization11.1ifanypartyunderthiscontractmakesrequestofnotarization,thiscontractshallbenotarizedbynotaryorgan,andpartyashallberesponsibleforthee_pense.如任何一方提出對本合同進行公證，則由公證機關(guān)進行公證，公證花費由甲方擔當。第26頁共33頁11.2ifpartybrequeststhenotarialdeedofdocumentsforcreditorlsquo;srightswithforceofpulsorye_ecution,partyawillagreethatpartybcouldapplytoissuethenotarialdeedwithpulsoryforcewiththenotaryorgan.ifpartyafailstopayoffallloanprincipal,interestandrelevante_penseonduedate,partybcouldtakethenotarialdeeddirectlytopeoplelsquo;scourtwithjurisdiction,applyingforpulsoryenforcement,andanychargesduetothatwillbepaidbypartya.partyashallagreeonthepulsorye_ecutionbylawunconditionally,andgiveupallandeveryrighttodefense.假如債權(quán)人要求對履行強迫執(zhí)行權(quán)益進行公證，甲方將贊同乙方向公證機關(guān)申請對該行為的公證。假如甲方未能對到期的借錢本金、利息和其余有關(guān)花費予以償付，乙方能夠向有管轄權(quán)的人民法院提交公證書，申請強迫執(zhí)行，有關(guān)花費由甲方擔當。甲方應(yīng)依據(jù)法律無條件接受該強迫執(zhí)行并放棄抗訴權(quán)益。第十二條糾葛的解決article12disputesettlement第27頁共33頁本合同執(zhí)行中發(fā)生爭議，各方磋商解決，磋商不行，各方贊同采納以下第_________種方式解決：12.1shouldanydisputeshappenintheprocessofperformingthecontract,allpartiesshallresolvethemthroughconsultations,ifnosettlementisreached;eitherofthepartiesmaygotolawinthelocalpeoplelsquo;scourtwherepartyblives.第十三條合同奏效和停止article13takingeffectandterminationofcontract本合同自甲方署名、乙方負責人或受權(quán)代理人署名并加蓋公章之日起奏效。擔保需要交托的，自質(zhì)物或權(quán)益憑據(jù)交托乙方據(jù)有之日起奏效。需要登記的，自辦好登記之日起奏效。至合同項下借錢本息和有關(guān)花費所有清賬完成后停止。13.1thecontractshallgointoeffectaftersignedbypartyaandresponsiblepersonortheauthorizedrepresentativeofpartyb,andsealedwithmonsealandspecialsealforcontract.anditwillbeterminatedonthedaythatthewholeloanprincipalfromthepartybunderthecontracthasbeenpaidoff,includingtheprincipal,interestsandrelevante_penses.incasetheguaranty第28頁共33頁needstobedelivered,theguarantyshallbeeeffectiveupondeliveryofdocumentoftitle;incasethatguarantyneedstoberegistered,theguarantyshallbeeeffectiveuponsettlementofregistration.第十四條附則article14supplementaryprovisions一、與本合同有關(guān)的文件，包含但不限于甲方向乙方提交的申請借錢文件、資料、證明、憑據(jù)等，均為本合同的構(gòu)成部分。14.1anydocumentationrelatedtothiscontract,includingbutnotlimitedto,loanapplicationdocuments,materials,certificates,etc.submittedtopartybfrompartya,shallbepartsunderthiscontract.二、本合同份數(shù)，詳見本合同第十四條第九款。第十五條詳細商定article15detailedprovisions一、本合同借錢金額為人民幣_____________(大寫)，___________(小寫)。15.1thetotalamountofloanunderthiscontractis:s