中国工商银行个人借款合同中英文.docx

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