中英文翻译模板-个人购房借款合同(工行).doc

中英文翻译模板-个人购房借款合同(工行).doc

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IndustrialandCommercialBankofChina

SeriesNo:

A［Zhu］Zi［BJF］Hang［Dongcheng］Branch［2004］Year［0573］

IndividualMortgageLoanContractForPurchasingCommercialHousing

Borrower:

YUEJiangyan

Lender:

IndustrialandCommercialBankofChina

Guarantor:

BeijingYiyangXingchengRealEstateDevelopmentCo.,Ltd.

SupervisedbyIndustrialandCommercialBankofChina

Inaccordancewithrelevantstatelawsandrules,thecontractismadeafternegotiationsbetweenthebothparties.

Loanitems

Article1.Thelenderprovidesloantotheborrowertopurchasetheresidentialhouse.Thecontractedloaningamount:

RMBonemillionFourHundredandFortyThousand（￥1,440,000）

Article2.Loanpurpose:

topurchasethehousinglocateinRoom201,Unit4,BuildingC,JunjingyuanLu,DongchengDistrict,Beijingwithaconstructionareaof164.22squaremeters.

Article3.Loaninterests:

（annual）interest4.2‰andbalancetheinterestbymonth.

Article4.TheloantermisTwentyyears,fromAug.20,2004,toAug.20,2024

Article5.Lendershalldeposittheamountofloaninclauseonebyone-timetotheAccountopenedbyBeijingYiyangXingchengRealEstateDevelopmentCo.,Ltd

Article6.Borrowerpaytheprincipalandinterestoftheloadunderthiscontractin240installments,everyonemonthbeingoneinstallment.TheamountofprincipalandinteresttobepaidforoneinstallmentisRMB9,535.21.Thewayofpaymentisinequalaccountofprincipalandinterest.

Article7.BorroweropenssavingaccountinToutiaoSavingAgentEstablishedNameisYUEJiangyan,AccountNumberis0200210901024019426,andpromisestotransfertheprincipalandinterestoftheloadintoitontime.

Article8.WhereBorrowerdoesnotrepayasperthesaidregulations,Lendermaydeduct2.1/tenthousandeverydaypaymentasdamage.

Article9.WhereBorrowerdoesnotrepaytheinterestofloanasperthesaidregulations,Lendermayhaverighttochargedoubleinterests.

Article10.Beforedistributingtheloan,ifBorrowerhasgreatconflictwithhouseselleroverproblemssuchhouse’squalityandproperty,Borrowerisauthorizedtocancelthiscontract,andshalldecidewhethercontinuethecontractwithinhalfoneyear.

Article11Afterthedeliveryoftheloan,ifdisputeoccursbetweenborrowerandPartyC,thecontractisstilleffective.

Article12.IfBorrowerneedstorefundinadvance,itshallnoteLenderonemonthbeforerefunddayandthenoticeisirrevocableupondelivery.

Article13Ifoneormoreitemsasfollowsoccur,Lenderhasrighttoexpirethecontractinadvance,anddeliver“informationofrepaymentinadvance”toBorrowerandSecurities.

（1）ViolationofcontractbyBorrower

（2）Thelostordeathornon-heirofBorrower

（3）TheheirofBorrowerrefusestorepaytheloan

（4）Borrowerdoesnotrepaytheloaninseriesthreeinstallments,orcumulativesixinstallments.

（5）ThealterationofsecuritiesleadstotheadvancedobligationsofPartyC

（6）others

Article14.Eitherpartywantstoalterpartofthearticlesofcontractshouldinformtheotherpartyinwrittenformandfriendlynegotiate.Anotheradvancedagreementisexcluded.

Article15.Borrowerisresponsibleforthecost.Anotheradvancedagreementisexcluded.

Mortgageitems

Article16.BorrowermortgagestherealestateandallthepovertiestheattachedlistofmortgagestoLender,andpromisestobearlegalresponsibilities.

Article17.Thescopeofmortgageincludesprincipalandinterestofloan（includingthearticle9）,punishedinterestandthecostofrealclaims.

Article18.Afterthesignofthiscontract,mortgageregistrationcertificationandotherrightcertificationsshouldbehandedovertomortgagee.

Article19.Mortgageeshouldprotectthemortgagescarefully,beresponsibleforthemaintenanceofthemortgages,andbesupervisedbyLender.

Article20.Thevalueischangedbecauseofmortgager’sfaultsorothers,mortgageeisnotresponsible.

Article21.Withouttheconsentofmortgager,themortgageehasnorighttodisposethemortgages.

Article22.IfLenderthinksitisnecessarytoreevaluatethemortgages,mortgageeshouldcooperate.

Article23.Thesetofmortgagesshouldregisterinadministrationforrealestate,sothecooperationisrequired.

Article24.Ifthesituationofarticle13occurs,Lenderhasrighttodisposethemortgagesinadvance.

Article25.BorrowershouldgoforinsuranceaccordingtotherequirementofBorrower.

Article26.Allorpartoftheitemsinloanhasnothingtodowiththeeffectofmortgageitems.

Materialmortgageitems

Article27.BorrowermortgagesallthepovertiestheattachedlistofMaterialmortgagestoLender,andpromisestobearlegalresponsibilities.

Article28.Thescopeofmortgageisprincipalandinterestofloan（includingthearticle9）,punishedinterest