中国工商银行个人借款合同中英文.docx
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中国工商银行个人借款合同中英文
中国工商银行个人借款合同(中英文)
Industrial&CommercialBankofChina(ICBC)InnerMongoliaBranchContractNo.:
2604,PersonalMortgagingLoan,2006,SouthXilinRoadBranchPersonalLoanContractofICBCBorrower:
Authenticator:
MoneyLender:
SouthXilinRoadBranch,IndustrialandCommerceBankofChina,InnerMongolia.UndertheSupervisionofInnerMongoliaBranch,ICBCThiscontractissigned,basedontherelevantlawsandregulations,andtheprincipleofequalityandhonestywithfreewill,betweenthetwopartiesforperformingandguaranteeingthecontractwiththeirownobligations.LoanArticlesArticle1LoanType.Aspertheborrower’sapplication,themoneylenderisreadytoextendamortgaged/pledgedloantotheborrower.1).PersonalAutoConsumerLoan2).IndividualDurableConsumerGoodsLoanlargeinSum3).IndividualComprehensiveConsumerLoan4).IndividualShort-TermCreditLoanSmallinSum5).PersonalMortgaging/pledgingLoan(√)6).CentralDiscountLoanforAidingStudents7).LocalDiscountLoanforAidingStudents8).GeneralBusinessLoanforAidingStudents9).__________________________________10).__________________________________Article2LoanPurpose.Theloanunderthecontractisusedforstudyingabroad.Notforsubscribingfor,buyingandsellingsharesorotherkindsofinvestmentsinvolvingrightsandinterests,andanyregisteredcapitalofaneconomicentityeither.Article3Thetermofloanunderthecontractis12months,fromSep.14,2006toSep.14,2007.Theactualdayofreleasingloanandmaturitydayshallbesubjecttotheloanreceipt.AndtheReceiptisanintegralpartofthiscontract,whichhasthesamelaweffectasthecontract.Article4AmountofLoan.TheamountofloanisRMB70,000.Article5LoanInterests.Basedontherelatedregulationsabouttheinterestrateinourcountry,theloaninterestshallbe5.61‰permonth,ofwhichtheinterestiscalculatedfromthedayreleasingloan.Incasetheinterestrateisinneedofadjustment,thosetheloantermislessthanoneyear(includingoneyear)shallbeattheinterestratestipulatedinthecontract,nocalculationbysections;thosetheloantermismorethanoneyear,theinterestrateshallbegintoberegulatedcorrespondinglyandcarriedoutatnewinterestratebasedonthefloatingproportionstipulatedinthecontractfromJan.1nextyearafteradjustedlegally.Article6GuaranteeMode.Inthecontract,itisonthebasisofmortgage/pledgemode,asdetailedintherelevanttermsconcerningguaranteeinthecontract.Article7Uponthecontractcomingintoeffect,themoneylendershalltransfertheloanintoChenWen(borrower)’saccount,accountNo.0602005201000369161,andtheopeningbankisSouthXilinRoadBranch,ICBC.Themoneylenderhastherighttosupervisetheuseofthemoney.Astotheloans,suchaspersonalautoconsumerloan,individualdurableconsumergoodsloanlargeinsumandtheindividualloan(tuitionloan)foraidingstudents,theborrowershallauthorizethemoneylendertotransferthemoneyintotheaccountsofanautodealer’saccounts,firmorschooldirectlydesignatedbyhim,accountNo.:
____________________,Depositor:
_____________________,OpeningBank:
_________________.Article8RepaymentWays.Theborroweriswillingtorepaytheprincipalandinterestsinthefirstway.Repaymentoninstallmentshallbedividedinto_________termsintotalbasedon______(month,season),ofwhichthefirsttermofrepaymentshallbeon___.____,_______,whilefromthesecondtermeachrepaymentshallbepaidoffbeforethedaydue;andthelasttermofrepaymentshallbepaidoffbeforeitsmaturity.Detailsaboutthesumofrepaymentshallbedecidedontherepaymentschedulebythemoneylender.1)Payofftheprincipalandinterestsinfullwhenitexpires2)Thewayofpayingoffmoneyonequivalentprincipal3)Thewayofpayingoffmoneyonequivalentprincipalandinterests4)Thewayofpayingoffmoneyonincrease(decrease)bydegrees5)OtherwaysArticle9Theborrowerauthorizesthemoneylendertotakeawaytheloanprincipalandinterestsfromthefollowingaccountbymeansofwithdrawingmoneywithnobankbookonthedayregulatedinthecontract.Depositor:
ChenWenPeonyCardNo./CurrentBankbookNo.:
0602005201000369161Iftheaccountmentionedislost,frozen,settled,orthePeonyCardbecomesinvalid,ortheborrowerneedstochangetheaccount,theborrowershallcometotheplacewherethemoneylenderlivestosettletheformalitiesofchange.Beforethechangeformalitiesbecomeeffective,iftheoriginalaccountfordeductingmoneyhasnoenoughmoney,theborrowershallcometothesite-InnerMongoliaSouthXilinRoadBranch,ICBCdesignedbythemoneylendertopayoffthemoney.Article10RightsofOffset.Shouldtheborrowerhavenotpaidofftheprincipalandinterestsinarowfortwotermsorthreemonthsintheaggregate,themoneylenderwillhavetherighttodeducttherelevantmoney,includingprincipalandinterests,penaltyinterestsaswellasotherexpensesforreachingthecredit’srightsfromtheaccounts(includingtheFixedAccount)openedbytheborrowerattheplacewherethemoneylenderlives.Whilethemoneylenderisexertingtheoffsetrightstotheborrower’sFixedAccount,itshallbehandledinthewayofcalculatinginterestuponwithdrawingmoneyinadvanceorpartmoneywithdrawnaheadoftime,accordingtotheregulationsofArticle24of“SavingsManagementRules”.Theremainingpartaftercompensatingtheprincipalandinterestforthepartmoneywithdrawnaheadofscheduleshallbeallowedtoopenanewbankbookorpaytheborrowerupontheoriginaldepositingperiod,theoriginalinterestrateandtheoriginaldayforopeningaccount.Anylossesininterestscausedbyoffsetshallbeshoulderedbytheborrower.Article11PenaltyInterests.Theborrowershallrepaytheprincipalandinterestsinduecourse,ifnotrepaythemasscheduledtime,themoneylenderwilladdapenaltyinterestswhichis0.221‰perdayoftheoverdueloan.Article12RepaymentinAdvance.Iftheborrowerisabletopayoffthemoneyaheadoftime,heshouldinformthemoneylenderinadvance,andtheinterestsofthatpartshallbecalculatedondaysactuallytaken,subjecttothewaysasdetailedinArticle5underthecontract.Butforthepartrepaymentaheadoftime,theremainingoftheunpaidshouldberescheduledforaplantopayoffthemoneybybothsidesagain,andthendoaswhathasrescheduled.Iftheborrowerisabletopayoffalltheprincipaloftheloaninadvance,alltheinterestsshouldbesettledup.Anyformalitiesconcerningtherepaymentinadvanceshallbehandledatthecounterofthebranchofthemoneylender.Article13Borrower’sCommitments:
(1)Repaytheprincipalandinterestsontime.
(2)Incasethereareanydangerstotheloansafety,theborrowershallinformthemoneylenderinwrittenformwithin5daysaftertheincidentshappened,andguaranteetopayofftheprincipalandinterests;(3)Toprovidedata(includingmoneyowed,andloannewlyborrowedlargeinsumetc.)aswhatthemoneylenderasks,andcooperatewiththemoneylendertoinvestigate,censorandcheckanyaspectsofpersonaleconomicincomeandexpensesrelatedtotheloan;(4)Shouldanychangesoccurinaddress,communication,telephone,wageincome(forexample,themonthlyincomeisbelow10%oftheloanapplied)andothers,theborrowershallinformthemoneylenderinwrittenformwithin5daysafterthechanges;(5)Theborrowershallsecurethefulfillmentofpayingofftheloanwithoutanyexcusesordisputesrelatedtothethirdparty.Article14MoneyLender’sCommitments
(1)Toreleasethefullloanonschedule;
(2)Tokeepasecretfortheborrowerinsuchareasasoccupation,economicincomeandexpensesetc.Article15TakebacktheloaninadvanceandthedisposingguarantyWithinthevalidtimeofthecontract,shouldthefollowingitemsorfactorsaffecttheloansafetystipulatedintheguaranteetermsoccur,themoneylendershallhavetherighttotakebacktheloanordisposetheguarantyinadvanceincaseofsuchfollowingsituationsoccurred,aswellasinformtheborrowerandguarantorofreturningthemoneyearly,askingtheborrowertopayoffpartoralltheprincipalandinterestswithinthetimespecified(includingtheoverdueinterests),andnotresponsibleforanylossescausedbyexercisingtheabove-mentionedrightslegitimately:
I.Incasetheborrowerbreachesanycommitmentsintheloantermsofthecontract;II.Iftheborrowersubscribesfororbuysstocksorotherrightsinvestment;III.Iftheborrowerhaslosthisabilityofcivilbehavior,disappearanceordeathornoheirsortheobligationsundertakenbythepersonbequeathed;IV.Iftheheirsorthepersonbequeathedorthepropertyadministeronbehalfoftheborrowerrefusestopayofftheprincipalandinterestfortheborrower;V.Accordingtothestipulationsintheloanterms,incaseoftheguarantor(guaranty)changed,whichleadstotheobligationsperformedbytheguarantoraheadofscheduleorthedisposalofguarantybythemoneylenderinadvance;oranyactionstheborrowermaytakewhichinfluencereturningtheprincipalandintereststothemoneylender;VI.Forthemortgageloanguaranteed,incasetheborrowerisnotabletopaybacktheprincipalandinterestspunctuallyfortheperiodoftwosessionsinaroworthreemonthsintheaggregate;VII.Forthemortgageloanguaranteed,incasetheborrowerisnotabletopaybacktheloanpunctuallyandthusgetstheloanoverduelessthanonemonth;Article16Allchargesinevaluation,registry,insuranceandnotarizationetcformakingandcarryingoutthecontractshallbepaidbytheborrower.GuaranteeClausesArticle17The