浦发银行个人抵押贷款合同英文Word文件下载.docx
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SPDB201203
SPDBankPersonalGuaranteeLoanContract
SpecialNotes:
ThemainbodyofthepresentcontractismadeupofContractTermsandConditionsaswellasSummarySheetofElementsoftheContractTermsandConditions.TheContractTermsandConditionsneedsnottobefilledin,andallofitsitemstobefilledinareindicatedwithspecificcodes;
theSummarySheetofElementsoftheContractTermsandConditionsisattachedtothePart2ofthiscontractbycentralizedprintingorfillinginalltheinformationwhichneedstobefilledin.TheborrowerandtheLoanerhaveconfirmedthatallthecontentsoftheSummarySheetofElementsoftheContractTermsandConditionsarecorrect,andalsoacknowledgedthatthecontractelementswhichneedtobefilledintheContractTermsandConditionsaresubjecttothecontentsoftheSummarySheetofElementsoftheContractTermsandConditions.AllthecontentsoftheSummarySheetofElementsoftheContractTermsandConditionscorrespondone-to-onewiththespecificcodesoftheitemstobefilledoutintheContractTermsandConditions,andconstitutesanintegralpartwiththeContractTermsandConditions.
Theborrower:
IDcertificatetypeandNo.:
Thelender(theMortgagee/thepledgee):
ShanghaiPudongDevelopmentBankCo.,Ltd.Branch
Themortgager(name/designationofnaturalpersonorlegalperson):
Thepledger(name/designationofnaturalpersonorlegalperson):
Theguarantor(name/designationofnaturalpersonorlegalperson):
Whereas:
TheborrowerappliestothelenderforRMBpersonalloan,inaccordancewiththerelevantlaws,rulesandregulationsofthePeople'
sRepublicofChina,uponconsensusthroughconsultationamongtheparties,thepresentcontractisherebyenteredintoformutualobservance.
Meanwhile,theborrower,theguarantorandthelenderherebyconfirmthat(checkwitha√markanduncheckwitha×
markaccordingtotheconditions):
□ThepresentcontractservesasanancillarybusinessdocumentofthePersonalComprehensiveCreditGrantingContractunderthenumberofsignedbytheborrowerandthelender.
□Thepresentcontractisanindependentbusinessdocumentsignedbytheborrower,theguarantorandthelender.
Part1ContractTermsandConditions
Article1LoanAmountandPurpose
1.1TheloantypeofthepresentcontractisS1.1A(personalcarloan/personalconsumptionloan/personalbusinessloan/personalcreditloan/others:
S1.1A),theloanamountisRMBS1.1BYuan(inwords:
RMBS1.1CYuan),anditisusedforS1.1Donlyandshallnotbeappropriated.Thelenderhastherighttomonitortheuseofloans.
Article2LoanTerm,InterestRateandMethodforInterestCalculation
2.1Theloanterm(andthedebtperformanceperiod)underthepresentcontractisS2.1A(“year(s)andmonth(s)”),anditsstartdateisexpectedfromthedateS2.1B(fromMMDDYYtoMMDDYY).Theactualloanstartdateissubjecttothedaterecordedontheloanreceipt.
2.2Thevaluedateoftheloanunderthepresentcontractisthedateofloanrelease.Themethodforinterestcalculationisasfollows:
theloaninterestwillbecalculatedonadaily,monthlyandyearlybasis.Thecalculationmethodsoffull-year,full-monthandfull-dayshallbeadoptedforloaninterest.Iffull-year,full-monthandfull-daycannotbereached,thelastdayattheendofendisthefull-day.Iftheloanperiodcomestothecompletionofyear,theinterestshallbecalculatedasperannualinterestrate;
iftheloanperiodcomestothecompletionofmonth,theinterestshallbecalculatedaspermonthlyinterestrate;
iftheloanperiodcoversfullyear(month)andremnantdays,theinterestofthepartoffullyear(month)shallbecalculatedasperyearly(monthly)interestrate,andtheinterestoftheremnantdaysshallbecalculatedaccordingtotheactualnumberofdays.Theformulaofcomputationisasfollows:
Forthefullyearandfullmonth:
Interest=principal×
period(thenumberofyear(s)ormonth(s))×
yearlyormonthlyinterestrate;
Forthefullyear(month)andremnantday(s):
[period(thenumberofyear(s)ormonth(s))×
yearlyormonthlyinterestrate+thenumberofremnantday(s)×
dailyinterestrate]
2.3Exceptotherwisespecifiedbythebothparties,thedateofsettlementoftheloaninterestunderthepresentcontractistherepaymentdateforeachperiodagreedinthepresentcontract.
2.4Theloaninterestrateunderthepresentcontractcanadoptthefloatinginterestrate,fixedinterestrateorquasi-fixedinterestrate,andactuallyadoptsthemethod:
S2.4A;
□Floatinginterestrate
ItshallbeexecutedaccordingtothebenchmarkloaninterestrateandfloatingrangepublishedbythePeople'
sBankofChinainthecorrespondingperiod.TheloaninterestrateunderthepresentcontractisS2.4A–1–1(“□above□below%”)onthebasisofthebenchmarkloaninterestratepublishedbythePeople'
sBankofChinainthecorrespondingperiod.IfthePeople'
sBankofChinaadjuststhebenchmarkloaninterestratewithintheloanperiod,then,sincethetimethatthecontractloaninterestagreedinthepresentcontractisadjusted,thenewcontractloaninterestratewillbeexecutedafterthefloatingaccordingtotheabovesaidfloatingproportiononthebasisofthenewloanbenchmarkinterestrate.
ThebenchmarkloaninterestrateofthePeople'
sBankofChinainthecorrespondingperiodwhilesigningthepresentcontractis:
S2.4A–1–2(“%(annualinterestrate)”).TheexecutedinterestrateisdeterminedaccordingtothebenchmarkloaninterestrateontheactualdateofloanreleaseregulatedbythePeople'
sBankofChinainthecorrespondingperiodaswellasthefloatingproportionunderthepresentcontract.Monthlyinterestrate=annualinterestrate/12,dailyinterestrate=annualinterestrate/360,andtheinterestrateperperiod=annualinterestrate×
thenumberofthemonth(s)ofeachperiod/12.
IfthebenchmarkloaninterestrateregulatedbythePeople'
sBankofChinaisadjustedwithintheloanperiod,thenthecontractinterestrateshallbeadjustedaccordinglyaspertheS2.4A–1–3method:
□Adjustmentbyyear,andinterestaccrualbystage.Thatis,thenewinterestratewillbeexecutedaccordingtothebenchmarkloaninterestrateregulatedbythePeople'
sBankofChinaaswellasthefloatingproportionstipulatedunderthepresentcontractasofthefirstcalendardayofthenextcalendaryearaftertheinterestrateadjustment.
□Nointerestrateadjustment,andnointerestaccrualbystage.
□Others:
S2.4A–1–3
□Fixedinterestrate
ItshallbeexecutedaccordingtothefixedloaninterestrateandfloatingrangestipulatedbyShanghaiPudongDevelopmentBankinthecorrespondingperiod.TheloaninterestrateunderthepresentcontractisS2.4A–2–1(“□above□below%”)onthebasisofthefixedloaninterestratepublishedbyShanghaiPudongDevelopmentBankinthecorrespondingperiod.IfthePeople'
sBankofChinaadjuststhebenchmarkloaninterestrateorShanghaiPudongDevelopmentBankadjuststhefixedinterestrateapplicabletothisbusinesswithintheloanperiod,thentheinterestrateexecutedinthepresentcontractwillnotbeadjusted.Thefixedinterestrateofthecorrespondingperiodwhilesigningthepresentcontractis:
S2.4A–2–2(“%(annualinterestrate)”).TheexecutedinterestrateisdeterminedaccordingtothefixedloaninterestrateontheactualdateofloanreleasepublishedbythePeople'
□Quasi-fixedinterestrate
FixedinterestratewillbeexecutedforS2.4A–3–1(“month(s),estimatedtillMMDDYY)fromthedateofloanrelease.Thatis,itwillbeexecutedaccordingtothefixedloaninterestrateandfloatingrangestipulatedbyShanghaiPudongDevelopmentBankinthecorrespondingperiod(theloanperiodisfromthedateofloanreleasetillthedateofexpiryofthecontract).TheloaninterestrateunderthepresentcontractisS2.4A–3–2(“□above□below%”)onthebasisofthefixedloaninterestratepublishedbyShanghaiPudongDevelopmentBankinthecorrespondingperiod.IfthePeople'
S2.4A–3–3(“%(annualinterestrate)”).TheexecutedinterestrateisdeterminedaccordingtothefixedloaninterestrateontheactualdateofloanreleasepublishedbythePeople'
Aftertheexpiryofthefixedinterestrate,i.e.,S2.4A–3–4(fromMMDDYYtoMMDDYY),afloatinginterestratewillbeexecuted.Thatis,itshallbeexecutedaccordingtothebenchmarkloaninterestrateandfloatingrangestipulatedbythePe