車庫(kù)價(jià)值擔(dān)保借款

車庫(kù)價(jià)值擔(dān)保借款合同編號(hào)：__________GarageValueGuaranteedLoanContractBETWEENPartyA:_______________________(Hereinafterreferredtoas"Borrower")PartyB:_______________________(Hereinafterreferredtoas"Lender")IDCardNumber:_______________________Address:_______________________Telephone:_______________________ANDGuarantor:_______________________(Hereinafterreferredtoas"Guarantor")IDCardNumber:_______________________Address:_______________________Telephone:_______________________ThisContractismadeandenteredintoasofthis_____dayof____________,20_____,andbetweenPartyAandPartyB,andtheGuarantor,collectivelyreferredtoasthe"Parties".WHEREAS,PartyAdesirestoborrowacertainsumofmoneyfromPartyB,andtheGuarantoragreestoguaranteetherepaymentoftheloan;WHEREAS,PartyBiswillingtolendacertainsumofmoneytoPartyA,subjecttothetermsandconditionssetforthherein;NOW,THEREFORE,inconsiderationofthemutualpromisescontainedherein,thePartiesagreeasfollows:ARTICLEI:LOANAMOUNTANDTERM1.1LoanAmount:PartyAshallborrowfromPartyBthesumof_____________Dollars($_____________),referredtoasthe"LoanAmount".1.2LoanTerm:TheLoanAmountshallberepaidPartyAtoPartyBwithinaperiodof_____________months,startingfromtheDateofLoanDisbursement,referredtoasthe"LoanTerm".ARTICLEII:REPAYMENTSCHEDULE2.1RepaymentSchedule:PartyAshallmakemonthlyinstallmentsof_____________Dollars($_____________)towardstherepaymentoftheLoanAmount,startingfromthefirstmonthfollowingtheDateofLoanDisbursement,andcontinueuntiltheLoanAmountisfullyrepaid.2.2Interest:PartyAshallpayinterestontheoutstandingbalanceoftheLoanAmountatanannualinterestrateof_____________percent(_____________%),calculatedonamonthlybasisandchargedtotheoutstandingbalanceattheendofeachmonth.2.3GracePeriod:Thereshallbeagraceperiodof_____________daysaftertheDateofLoanDisbursement,duringwhichPartyAisnotrequiredtomakeanypayments.ARTICLEIII:GUARANTEE3.1Guarantee:TheGuarantorhereguaranteestherepaymentoftheLoanAmountandallaccruedinterestthereonPartyAtoPartyB,inaccordancewiththetermsandconditionsofthisContract.3.2Liability:IntheeventthatPartyAfailstorepaytheLoanAmountandallaccruedinterestthereontheagreedupondeadlines,PartyBshallhavetherighttodemandtherepaymentfromtheGuarantor,whoshallbefullyliablefortheoutstandingamount.3.3Priority:TheGuarantor'sliabilityunderthisContractshallbepriortothatofPartyA,andPartyBmayseekrecoveryoftheoutstandingamountfromtheGuarantoratitssolediscretion.ARTICLEIV:COSTSANDEXPENSES4.1CostsandExpenses:PartyAshallberesponsibleforallcostsandexpensesincurredPartyBintheprocessoforiginating,processing,andadministeringthisLoan,includingbutnotlimitedtoattorney'sfees,documentpreparationfees,andotherrelatedcosts.ARTICLEV:CONDITIONSPRECEDENT5.1ValidIDDocuments:PartyAandtheGuarantorshallprovidePartyBwithvalididentificationdocuments,asrequiredPartyB,priortothedisbursementoftheLoanAmount.5.2ApprovalofCredit:PartyBreservestherighttoconductacreditcheckonPartyAandtheGuarantor,andtheLoanshallonlybedisburseduponPartyB'sapprovalofPartyA'screditworthiness.5.3CollateralInspection:IntheeventthatPartyBrequirescollateralfortheLoan,PartyAandtheGuarantoragreetoallowPartyBtoinspectandevaluatethecollateralpriortothedisbursementoftheLoanAmount.ARTICLEVI:TERMINATION6.1Termination:ThisContractmaybeterminatedmutualagreementoftheParties,inwriting,atanytimeduringtheLoanTerm.一、附件列表：1.IdentificationdocumentsofPartyAandtheGuarantor2.CreditreportofPartyAandtheGuarantor3.Collateralinspectionreport(ifapplicable)4.Loanagreement5.Guaranteeletter6.Repaymentschedule7.Interestcalculationstatement8.Legalfeesreceipt(ifapplicable)二、違約行為及認(rèn)定：1.FailureofPartyAtomaketimelyloanrepayments2.FailureofPartyAtopayinterestontheoutstandingbalance3.FailureofPartyAtofulfillanyotherobligationsunderthisContract4.FailureoftheGuarantortoguaranteetherepaymentoftheloan6.Useofloanfundsforunauthorizedpurposes7.DefaultunderanyothertermsandconditionsofthisContract三、法律名詞及解釋：1.Borrower:Thepartythatreceivestheloanfromthelender.2.Lender:Thepartythatlendsthemoneytotheborrower.3.Guarantor:Thepartythatguaranteestherepaymentoftheloan.4.LoanAmount:Thetotalamountofmoneyborrowedtheborrower.5.LoanTerm:Theperiodoftimewithinwhichtheborrowerisrequiredtorepaytheloan.6.RepaymentSchedule:Thescheduleoutliningtheinstallmentsanddeadlinesforloanrepayment.7.Interest:Theadditionalamountchargedthelenderfortheuseoftheirmoney.8.GracePeriod:Theperiodoftimeduringwhichtheborrowerisnotrequiredtomakeanypayments.四、執(zhí)行中遇到的問題及解決辦法：1.Delayinloanapproval:partiesshouldcontactthelendertoinquireaboutthestatusoftheloanapplicationandprovideanyadditionalrequireddocumentsorinformation.2.Defaultinloanrepayment:partiesshouldimmediatelycontactthelendertodiscusspossiblesolutions,suchasloanrestructuringordeferringpayments.3.Disputeovercollateralvaluation:partiesshouldseektheassistanceofaprofessionalappraisertodeterminetheaccuratevalueofthecollateral.4.Issueswithinterestcalculation:partiesshouldrefertotheinterestcalculation