2024年度抵押借款合同錦集：個人創(chuàng)業(yè)項目貸款抵押合同范本3篇

20XX專業(yè)合同封面COUNTRACTCOVER20XX專業(yè)合同封面COUNTRACTCOVER甲方：XXX乙方：XXXPERSONALRESUMERESUME2024年度抵押借款合同錦集：個人創(chuàng)業(yè)項目貸款抵押合同范本本合同目錄一覽1.合同雙方基本信息1.1借款人信息1.2借款人法定代表人或授權(quán)代表人信息1.3借款人擔(dān)保人信息1.4借款人抵押物信息2.借款金額及用途2.1借款金額2.2借款用途3.借款期限及還款方式3.1借款期限3.2還款方式4.利息計算及支付方式4.1利息計算方式4.2利息支付方式5.抵押物信息5.1抵押物名稱5.2抵押物價值5.3抵押物登記情況6.抵押物保管及處置6.1抵押物保管責(zé)任6.2抵押物處置方式7.逾期及違約責(zé)任7.1逾期還款責(zé)任7.2違約責(zé)任8.合同解除及終止條件8.1合同解除條件8.2合同終止條件9.爭議解決方式9.1爭議解決方式9.2爭議解決機(jī)構(gòu)10.合同生效及變更10.1合同生效條件10.2合同變更方式11.合同附件11.1附件一：借款合同11.2附件二：抵押物清單11.3附件三：其他相關(guān)文件12.合同簽署及生效日期13.合同份數(shù)及保管14.其他約定事項第一部分：合同如下：1.合同雙方基本信息1.1借款人信息借款人名稱借款人住所地法定代表人姓名法定代表人身份證號碼1.2借款人法定代表人或授權(quán)代表人信息授權(quán)代表人姓名授權(quán)代表人身份證號碼授權(quán)委托書內(nèi)容1.3借款人擔(dān)保人信息擔(dān)保人名稱擔(dān)保人住所地法定代表人姓名法定代表人身份證號碼1.4借款人抵押物信息抵押物名稱抵押物類型抵押物所在地抵押物權(quán)屬證明文件2.借款金額及用途2.1借款金額本合同借款金額為人民幣壹拾萬元整（￥100,000.00）2.2借款用途借款用途為個人創(chuàng)業(yè)項目資金周轉(zhuǎn)3.借款期限及還款方式3.1借款期限本合同借款期限自2024年1月1日起至2025年1月1日止，共計12個月3.2還款方式按月等額本息還款方式，每月還款日為每月的5日4.利息計算及支付方式4.1利息計算方式本合同借款利息按中國人民銀行同期貸款基準(zhǔn)利率計算4.2利息支付方式每月還款時一并支付當(dāng)月利息5.抵押物信息5.1抵押物名稱房地產(chǎn)5.2抵押物價值抵押物評估價值為人民幣壹佰萬元整（￥1,000,000.00）5.3抵押物登記情況抵押物已依法辦理抵押登記手續(xù)，抵押登記證明文件編號為X6.抵押物保管及處置6.1抵押物保管責(zé)任借款人負(fù)責(zé)抵押物的保管，確保抵押物安全無損害6.2抵押物處置方式在借款人違約的情況下，抵押物由借款人自行處置，或由貸款人委托第三方機(jī)構(gòu)進(jìn)行處置8.爭議解決方式8.1爭議解決方式本合同在履行過程中如發(fā)生爭議，應(yīng)友好協(xié)商解決；協(xié)商不成的，任何一方均可向抵押物所在地人民法院提起訴訟。8.2爭議解決機(jī)構(gòu)本合同的爭議解決機(jī)構(gòu)為抵押物所在地人民法院。9.合同生效及變更9.1合同生效條件本合同自雙方簽字（或蓋章）之日起生效。9.2合同變更方式本合同的任何變更，必須以書面形式經(jīng)雙方簽字（或蓋章）后生效。10.合同附件10.1附件一：借款合同本合同10.2附件二：抵押物清單抵押物詳細(xì)信息清單10.3附件三：其他相關(guān)文件1.借款人身份證明文件2.擔(dān)保人身份證明文件3.抵押物權(quán)屬證明文件4.評估報告5.其他與本合同相關(guān)的文件11.合同簽署及生效日期本合同于2024年1月1日簽署，自雙方簽字（或蓋章）之日起生效。12.合同份數(shù)及保管本合同一式兩份，借款人和貸款人各執(zhí)一份，具有同等法律效力。借款人應(yīng)妥善保管本合同，并保證合同內(nèi)容的真實性、完整性和有效性。13.其他約定事項13.1借款人承諾，在借款期間，未經(jīng)貸款人書面同意，不得擅自處置抵押物。13.2借款人同意，貸款人有權(quán)隨時對借款人的經(jīng)營狀況和財務(wù)狀況進(jìn)行檢查。13.3本合同未盡事宜，按國家有關(guān)法律法規(guī)和金融政策執(zhí)行。14.合同解除及終止條件14.1合同解除條件1.借款人未按約定履行還款義務(wù)，經(jīng)貸款人催告后仍不履行；2.借款人提供虛假信息，導(dǎo)致貸款人遭受損失；3.借款人擅自處置抵押物；4.借款人違反合同約定的其他情形。14.2合同終止條件1.借款期限屆滿，借款人已償還全部借款本息；2.借款人提前償還全部借款本息，并經(jīng)貸款人同意；3.合同約定的其他終止條件成就。第二部分：第三方介入后的修正15.第三方介入15.1第三方定義本合同中“第三方”是指除借款人、貸款人以外的，為合同履行提供專業(yè)服務(wù)、協(xié)助或參與合同履行的獨立第三方機(jī)構(gòu)或個人，包括但不限于評估機(jī)構(gòu)、律師事務(wù)所、會計師事務(wù)所、擔(dān)保公司、資產(chǎn)處置機(jī)構(gòu)等。15.2第三方介入范圍第三方介入的范圍包括但不限于評估抵押物的價值、提供法律咨詢、進(jìn)行財務(wù)審計、協(xié)助辦理抵押物登記手續(xù)、參與抵押物的處置等。15.3第三方選擇與授權(quán)第三方的選擇由借款人或貸款人協(xié)商確定，并需簽訂相應(yīng)的服務(wù)協(xié)議。借款人或貸款人應(yīng)授權(quán)第三方在必要時代為履行合同中規(guī)定的部分義務(wù)。15.4第三方責(zé)任第三方應(yīng)按照合同約定或服務(wù)協(xié)議的約定履行職責(zé)，對其提供的專業(yè)服務(wù)承擔(dān)相應(yīng)的法律責(zé)任。第三方在履行職責(zé)過程中因故意或重大過失造成借款人或貸款人損失的，應(yīng)承擔(dān)賠償責(zé)任。16.甲乙雙方額外條款16.1借款人額外條款16.1.1借款人應(yīng)確保第三方具備相應(yīng)的資質(zhì)和執(zhí)業(yè)許可，并對其服務(wù)質(zhì)量和能力進(jìn)行審查。16.1.2借款人應(yīng)向第三方提供必要的資料和信息，以便其履行職責(zé)。16.1.3借款人應(yīng)配合第三方的工作，并及時反饋相關(guān)信息。16.2貸款人額外條款16.2.1貸款人應(yīng)監(jiān)督第三方的工作，確保其履行職責(zé)符合合同約定。16.2.2貸款人有權(quán)對第三方的服務(wù)進(jìn)行評估，并提出改進(jìn)意見。16.2.3貸款人有權(quán)根據(jù)第三方的工作成果和效果決定是否繼續(xù)合作。17.第三方責(zé)任限額17.1責(zé)任限額定義本合同中“第三方責(zé)任限額”是指第三方在履行職責(zé)過程中因其故意或重大過失造成借款人或貸款人損失時，應(yīng)承擔(dān)的最高賠償限額。17.2責(zé)任限額確定第三方責(zé)任限額由借款人或貸款人與第三方在服務(wù)協(xié)議中約定，但不得超過合同借款金額的一定比例，具體比例由雙方協(xié)商確定。17.3責(zé)任限額適用第三方責(zé)任限額僅適用于第三方在履行職責(zé)過程中因其故意或重大過失造成的損失，不包括借款人或貸款人因自身原因造成的損失。17.4責(zé)任限額變更第三方責(zé)任限額的變更需經(jīng)借款人或貸款人與第三方協(xié)商一致，并簽訂補充協(xié)議。18.第三方與其他各方的劃分說明18.1第三方與借款人第三方與借款人之間應(yīng)明確服務(wù)內(nèi)容和費用，并由借款人支付。第三方不得干預(yù)借款人的正常經(jīng)營活動，除非得到借款人的明確授權(quán)。18.2第三方與貸款人第三方與貸款人之間應(yīng)明確服務(wù)內(nèi)容和費用，并由貸款人支付。第三方應(yīng)遵守貸款人的監(jiān)管要求，并在貸款人的監(jiān)督下履行職責(zé)。18.3第三方與其他方第三方與其他方之間的關(guān)系由各自簽訂的協(xié)議或合同約定。第三方在履行職責(zé)過程中應(yīng)尊重其他方的合法權(quán)益，不得損害其他方的利益。第三部分：其他補充性說明和解釋說明一：附件列表：1.借款合同詳細(xì)要求：包括合同雙方的基本信息、借款金額、期限、利率、還款方式、抵押物信息、雙方簽字蓋章等。說明：本合同是借款雙方權(quán)利義務(wù)關(guān)系的正式文件。2.抵押物清單詳細(xì)要求：包括抵押物名稱、類型、所在地、權(quán)屬證明文件、評估價值等。說明：抵押物清單是抵押物情況的詳細(xì)記錄，用于明確抵押物的范圍和價值。3.借款人身份證明文件詳細(xì)要求：包括身份證、營業(yè)執(zhí)照、法定代表人身份證明等。說明：身份證明文件用于確認(rèn)借款人的合法身份。4.擔(dān)保人身份證明文件詳細(xì)要求：包括擔(dān)保人身份證、營業(yè)執(zhí)照、法定代表人身份證明等。說明：擔(dān)保人身份證明文件用于確認(rèn)擔(dān)保人的合法身份。5.抵押物權(quán)屬證明文件詳細(xì)要求：包括房產(chǎn)證、土地證、他項權(quán)利證書等。說明：權(quán)屬證明文件用于證明抵押物的所有權(quán)。6.評估報告詳細(xì)要求：包括抵押物評估價值、評估方法、評估時間等。說明：評估報告用于確定抵押物的價值。7.法律意見書詳細(xì)要求：包括合同合法性、合規(guī)性、風(fēng)險提示等。說明：法律意見書用于確認(rèn)合同的合法性和合規(guī)性。8.其他相關(guān)文件詳細(xì)要求：包括合同雙方協(xié)商一致的其他文件。說明：其他相關(guān)文件用于補充合同內(nèi)容，確保合同全面、完整。說明二：違約行為及責(zé)任認(rèn)定：1.借款人違約行為違約行為：未按約定時間還款或未足額還款。責(zé)任認(rèn)定：借款人應(yīng)支付逾期利息，并承擔(dān)相應(yīng)的違約責(zé)任。示例：借款人未按合同約定在每月5日償還當(dāng)月利息，逾期10天，應(yīng)支付逾期利息。2.貸款人違約行為違約行為：未按約定提供貸款或提前收回貸款。責(zé)任認(rèn)定：貸款人應(yīng)承擔(dān)違約責(zé)任，賠償借款人因此遭受的損失。示例：貸款人未按合同約定在借款期限屆滿前提供貸款，借款人因此遭受的損失，貸款人應(yīng)予以賠償。3.抵押物處置違約違約行為：未經(jīng)借款人同意擅自處置抵押物。責(zé)任認(rèn)定：貸款人應(yīng)承擔(dān)違約責(zé)任，賠償借款人因此遭受的損失。示例：貸款人在未經(jīng)借款人同意的情況下，擅自處置抵押物，借款人因此遭受的損失，貸款人應(yīng)予以賠償。4.第三方違約行為違約行為：第三方未按約定履行職責(zé)或提供虛假信息。責(zé)任認(rèn)定：第三方應(yīng)承擔(dān)違約責(zé)任，賠償借款人或貸款人因此遭受的損失。示例：第三方在評估抵押物價值時提供虛假信息，導(dǎo)致借款人或貸款人遭受損失，第三方應(yīng)予以賠償。全文完。2024年度抵押借款合同錦集：個人創(chuàng)業(yè)項目貸款抵押合同范本1合同目錄一、合同概述1.合同訂立依據(jù)2.合同目的和意義3.合同主體及權(quán)利義務(wù)二、借款人信息1.借款人基本信息2.借款人信用記錄3.借款人財務(wù)狀況三、貸款信息1.貸款金額2.貸款期限3.貸款利率4.還款方式5.貸款用途四、抵押物信息1.抵押物基本情況2.抵押物價值評估3.抵押物權(quán)利狀況五、抵押合同簽訂程序1.抵押合同簽訂條件2.抵押合同簽訂主體3.抵押合同簽訂時間4.抵押合同簽訂地點六、抵押物交付1.抵押物交付方式2.抵押物交付時間3.抵押物交付手續(xù)4.抵押物交付責(zé)任七、抵押物保管1.抵押物保管責(zé)任2.抵押物保管期限3.抵押物保管費用4.抵押物保管方式八、抵押物處置1.抵押物處置條件2.抵押物處置程序3.抵押物處置收益分配4.抵押物處置責(zé)任九、違約責(zé)任1.借款人違約責(zé)任2.抵押權(quán)人違約責(zé)任3.違約責(zé)任承擔(dān)方式4.違約責(zé)任爭議解決十、合同解除1.合同解除條件2.合同解除程序3.合同解除責(zé)任4.合同解除爭議解決十一、爭議解決1.爭議解決方式2.爭議解決機(jī)構(gòu)3.爭議解決程序4.爭議解決費用十二、合同生效1.合同生效條件2.合同生效時間3.合同生效地點4.合同生效證明十三、合同附件1.抵押物清單2.財務(wù)報表3.其他相關(guān)文件十四、其他約定1.合同補充條款2.合同變更程序3.合同解除條件4.合同爭議解決合同編號_________一、合同概述1.合同訂立依據(jù)（1）依據(jù)《中華人民共和國合同法》（2）依據(jù)《中華人民共和國擔(dān)保法》2.合同目的和意義（1）為保障貸款的安全，確保貸款人權(quán)益（2）促進(jìn)個人創(chuàng)業(yè)項目發(fā)展3.合同主體及權(quán)利義務(wù)（1）貸款人：甲方（2）借款人：乙方（3）權(quán)利義務(wù)具體內(nèi)容詳見合同二、借款人信息1.借款人基本信息（1）姓名：________________（2）身份證號碼：________________（3）住址：________________2.借款人信用記錄（1）借款人信用等級：________________（2）信用記錄查詢機(jī)構(gòu)：________________3.借款人財務(wù)狀況（1）借款人收入來源：________________（2）借款人負(fù)債情況：________________三、貸款信息1.貸款金額：人民幣________________元2.貸款期限：自________________起至________________止，共計________________個月3.貸款利率：年利率________________%4.還款方式：________________5.貸款用途：________________四、抵押物信息1.抵押物基本情況（1）抵押物名稱：________________（2）抵押物類型：________________（3）抵押物所有權(quán)：________________2.抵押物價值評估（1）評估機(jī)構(gòu)：________________（2）評估價值：人民幣________________元3.抵押物權(quán)利狀況（1）抵押物權(quán)屬證明：________________（2）抵押物是否存在權(quán)利瑕疵：________________五、抵押合同簽訂程序1.抵押合同簽訂條件（1）貸款人同意提供貸款（2）借款人同意提供抵押物2.抵押合同簽訂主體（1）貸款人：甲方（2）借款人：乙方3.抵押合同簽訂時間：________________4.抵押合同簽訂地點：________________六、抵押物交付1.抵押物交付方式：________________2.抵押物交付時間：________________3.抵押物交付手續(xù)（1）抵押物登記手續(xù)：________________（2）抵押物交付證明：________________4.抵押物交付責(zé)任（1）抵押物交付后，借款人應(yīng)保證抵押物完好無損（2）抵押物交付后，貸款人有權(quán)對抵押物進(jìn)行檢查七、抵押物保管1.抵押物保管責(zé)任（1）抵押物保管人：________________（2）抵押物保管地點：________________2.抵押物保管期限：自抵押合同簽訂之日起至貸款本息全部清償之日止3.抵押物保管費用：人民幣________________元/年4.抵押物保管方式（1）抵押物保管人應(yīng)妥善保管抵押物，防止遺失、損壞（2）抵押物保管人應(yīng)定期對抵押物進(jìn)行檢查，確保抵押物完好無損八、抵押物處置1.抵押物處置條件（1）借款人未按時償還貸款本金及利息（2）借款人違反合同約定，損害貸款人權(quán)益2.抵押物處置程序（1）貸款人有權(quán)要求借款人償還貸款（2）借款人未能償還貸款，貸款人可申請法院拍賣抵押物（3）拍賣所得款項優(yōu)先用于償還貸款本息及處置費用3.抵押物處置收益分配（1）拍賣所得款項扣除處置費用后，余額歸借款人所有（2）如余額不足以償還貸款本息，借款人繼續(xù)承擔(dān)償還責(zé)任4.抵押物處置責(zé)任（1）借款人應(yīng)配合貸款人進(jìn)行抵押物處置（2）借款人不得妨礙抵押物處置程序的進(jìn)行九、違約責(zé)任1.借款人違約責(zé)任（1）未按時償還貸款本金及利息，應(yīng)支付滯納金（2）違反合同約定，損害貸款人權(quán)益，應(yīng)承擔(dān)違約責(zé)任2.抵押權(quán)人違約責(zé)任（1）未妥善保管抵押物，造成抵押物損失的，應(yīng)承擔(dān)賠償責(zé)任（2）未經(jīng)借款人同意擅自處置抵押物，應(yīng)承擔(dān)違約責(zé)任3.違約責(zé)任承擔(dān)方式（1）違約金：按貸款本金每日萬分之五計算（2）損害賠償：根據(jù)實際情況確定4.違約責(zé)任爭議解決（1）雙方協(xié)商解決（2）協(xié)商不成，依法向人民法院提起訴訟十、合同解除1.合同解除條件（1）借款人未按時償還貸款本金及利息（2）借款人違反合同約定，損害貸款人權(quán)益（3）抵押物價值大幅降低，影響貸款安全2.合同解除程序（1）貸款人書面通知借款人解除合同（2）借款人應(yīng)在接到通知之日起____日內(nèi)履行合同解除后的義務(wù)3.合同解除責(zé)任（1）借款人應(yīng)承擔(dān)解除合同前的所有責(zé)任（2）貸款人有權(quán)要求借款人賠償因解除合同造成的損失4.合同解除爭議解決（1）雙方協(xié)商解決（2）協(xié)商不成，依法向人民法院提起訴訟十一、爭議解決1.爭議解決方式（1）雙方協(xié)商解決（2）依法向人民法院提起訴訟2.爭議解決機(jī)構(gòu)（1）所在地人民法院3.爭議解決程序（1）提交書面訴狀（2）依法進(jìn)行審理4.爭議解決費用（1）訴訟費用由敗訴方承擔(dān)（2）其他費用按實際情況確定十二、合同生效1.合同生效條件（1）合同雙方簽字蓋章（2）抵押物交付完畢2.合同生效時間：________________3.合同生效地點：________________4.合同生效證明：________________十三、合同附件1.抵押物清單2.財務(wù)報表3.其他相關(guān)文件十四、其他約定1.合同補充條款：________________2.合同變更程序：________________3.合同解除條件：________________4.合同爭議解決：________________[此處為合同結(jié)束]借款人（簽字/蓋章）：貸款人（簽字/蓋章）：簽訂日期：________________附件1：抵押物清單附件2：財務(wù)報表附件3：其他相關(guān)文件___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________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