个人借款合同英文Word格式.doc
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(versionof2012)
chinaciticbankcorporation
chinaciticbankchengdubranch
borrower(hereinafterreferredtoas“partya”address:
_________________________________________________________________________
lender(hereinafterreferredtoas“partyb”
mortgageraddress:
accordingtotherelevantlawsandregulationsofthe&
lt;
contractlawofthepeople’srepublicofchina&
gt;
&
guaranteelawofthepeople’srepublicofchina&
(&
guaranteelaw&
),and&
propertylawofthepeople’srepublicofchina&
propertylaw&
),partya,partybandtherelevantguarantorsignthiscontractuponequalconsultation.
article1amountofloan
theamountofloanisreferredtoarticle15.1underthiscontract.
article2purposeofloanandpayee(scope)
2.1purposeofloanforthiscontractisreferredtoarticle15.2.duringthetermofloan,partyapromisestheloanunderthiscontractshallnotflowintostockmarket,futuresmarket,bespentonequityinvestmentorprojectsthatareforbiddenbylawsandregulationsofothercountriestooperate,orpartyashalltakeonanylossbroughttopartyb.
2.2thepayeeforthiscontract(scope)isreferredtoarticle15.3.
article3interestofloan
3.1interestofloanisreferredtoarticle15.4.
3.2duringthetermofthisloancontract,interestmaybechangedasprescribedbythepeople’sbankofchina,theadjustmethodofloaninterestrateisreferredtoarticle15.4.
article4termofloan
4.1thetermofloanisreferredtoarticle15.5.
article5releaseandpaymentoftheloan
5.1exceptoneormoreofthefollowingconditionsareexemptedbypartyb,otherwise,thepreconditionsforpartybtoissuetheloanisallthefollowingconditionsaremet:
5.1.1partyaprovidestheloanapplicationandcertificatesrequiredbypartyb;
5.1.2partyafulfillstheapplicationproceduresofloanandguaranteerequiredbypartyb;
5.1.3partyasignsrequiredlegaldocumentsofloanapplication,withcheckandapprovalofpartyb;
5.1.4partyafulfillsandsignstheotherproceduresandrelevantdocumentsrequiredbyloanreleasingofpartyb,withcheckandapprovalofpartyb.
loanfundshouldbepaidinstrictaccordancewiththeappointmentstipulatedinarticle5.3underthiscontract.partyaisnotallowedtochangethemodeandarrangementofpayment.
5.3theloanfundshouldbepaidbythemethodofentrustedpaymentofpartyb.ifpartyaappliesforself-paymentinparticularcases,itshallneedtheverificationandapprovalofpartyb.thespecificappointmentofthepaymentmethodisasfollows:
5.3.1entrustedpaymentofpartyb
partyashouldapplyforpaymentwhileusingtheloan,filltheappendixthree:
paymentauthorization/application(suitablefortheconditionofbankentrustedpayment).
partybverifieswhethertherelevanttransactiondocumentsandcertificatesprovidedbypartyaareinconformitywiththecontractbeforethepaymentofloanfund.withtheverificationandapprovalofpartyb,accordingtothepaymententrustmentofpartya,partybshalldelivertheloanfundthatparty
aappliestopaytotheaccountofpartya’stradingobjectlistedbypartyainpaymentauthorization/application(suitablefortheconditionofbankentrustedpayment).
5.3.2self-paymentmethodbypartya
uponapplicationbypartya,partybshallagreetoadoptself-paymentmethodisinvolvedinoneofthefollowingsituations:
(1)partyacannotconfirmdetailedtransactionobjectinadvanceandtheamountislessthanrmb
threehundredthousandyuan;
(2)thetransactionobjectofpartybcannotvalidusenon-cashmethodforsettlement;
(3)loanfundusedforproductionandoperationandamountislessthanrmbfivehundredthousand
yuan;
(4)othersituationregulatedbylawandregulation.
ifself-paymentmethodisadopted,partyashallfillappendixfour:
&
self-paymentapplication&
withdetailedapplicationreason.uponcheckedandapprovedbypartyb,partyacanuseself-paymentmethodtopayforloanfund.
article6repaymentoftheloan
6.1partya,basedonrelevantregulationsofpartyb,shallselectwaysofloanrepaymentunderarticle15.6.
6.2thepartyashallpayofftheprincipal,interestandotheritemsinfullpriortothestipulatedduerepaymentdayunderthiscontract(detailsunderarticle15.6),bydepositingoneofanyrepaymentaccountopenedbypartyb(accountnameandaccountno.aregiveninarticle15.7),andirrevocablyauthorizespartybtodrawthefundsreceivabledirectlyfromtheaccountaboveontheduerepaymentday.
article7repaymentinadvance
7.1ifpartyaisabletopayofftheloanaheadoftime,itshallsubmittopartybtheirrevocableloanrepaymentapplicationandrepayme