中英文翻译模板-个人购房借款合同(工行)Word文件下载.doc
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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