菲律宾首都银行消费性无担保贷款契约中英文.docx
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菲律宾首都银行消费性无担保贷款契约中英文
CONTRACTFORUNSECUREDCONSUMERLOAN OFMETROPOLITANBANKANDTRUSTCOMPANY
目 录 CONTENTS
第一条(契约类型)Article1(TypeofContract)
第二条(借款金额或额度)Article2(LoanAmountorLimit)
第三条(借款之交付)Article3(LoanDisbursement)
第四条(借款期间)Article4(TermofLoan)
第五条(借款利息计付方式)Article5(CalculationandPaymentofLoanInterest)
第六条(利率调整之通知)Article6(NoticeofInterestRateChange)
第七条(本息摊还方式与还款方式)
Article7(AmortizationofPrincipalandInterestandRepaymentMethod)
第八条(迟延利息及违约金)Article8(DelayInterestandPenalty)
第九条(费用之收取)Article9(Fees)
第十条(加速条款)Article10(AccelerationClause)
第十一条(抵销权之行使)Article11(ExerciseofOffsetRight)
第十二条(住所变更之告知)Article12(NoticeofAddressChange)
第十三条(消费者信息之利用)Article13(UseofConsumerInformation)
第十四条(委外催收之告知)Article14(NoticeofOutsourcingofCollectionOperation)
第十五条(委外业务之处理)Article15(OutsourcingofBusinessOperations)
第十六条(服务专线)Article16(ServiceHotline)
第十七条 (文字)Article17(GoverningLanguage)
第十八条(管辖法院)Article18(Courtofjurisdiction)
第十九条(契约之交付)Article19(DeliveryofContract)
借款人____及保证人____声明于民国__年__月__日携回本契约详细审阅(契约审阅期间至少五日),并充分了解及确认,双方约定确实遵守所列各条款。
Borrower____andGuarantor____herebystatethattheyhavetakenthisContractbackhomeon___(year)____(month)_____(day)forreview(atleastfivedaysshouldbeallowedforcontractreview),andtheyunderstandfullyandacceptthetermsandconditionsasagreedbytheparties.
借款人__(以下简称「甲方」)兹向菲律宾首都银行(以下简称「乙方」)办理借款,双方约定确实遵守下列各条款:
Borrower_________(“PartyA”)herebyappliesforaloanfromMetropolitanBank&TrustCompany(“PartyB”),andthepartiesheretoagreetothetermsandconditionsbelow:
第一条(契约类型)Article1(TypeofContract)
本借款契约其借款金额拨付方式系指乙方核给甲方一借款金额,而乙方将该借款金额一次拨付予甲方之借款类型。
TheContractreferstoPartyBgrantsPartyAaloanamountanddisbursestheloanproceedstoPartyAinonelumpsum.
第二条(借款金额或额度)Article2(LoanAmountorLimit)
甲方借款金额为新台币____元整。
TheloanamountgrantedtoPartyAisNT$____.
第三条(借款之交付)Article3(LoanDisbursement)
(一)一次拨付型
(1)Lump-sumdisbursement:
于乙方拨入甲方指定在_____银行之______存款第_____号账户内,即视为乙方贷与款项之交付。
PartyB’sloantoPartyAisdeemeddisbursedwhenPartyBdepositstheloanproceedsintoPartyA’s____depositaccountNo.____________at________BankasinstructedbyPartyA.
(二)循环动用型
(2)Revolvingloanfacility:
于本借款额度及借款期限内,甲方凭存折及取款凭条、电话语音转帐或网络转帐,在甲方于乙方开设之_____存款第_____号账户(以下简称「循环动用借款账户」)内由甲方循环动用,并于甲方提领时视为乙方贷与款项之交付。
PartyB’sloantoPartyAisdeemeddisbursedwhenloanproceedsareavailableina_____deposit
accountNo.____openedbyPartyAatPartyB(referredtoasthe“revolvingloandrawdown
account”hereunder)fordrawdownbyPartyAandPartyAmakeswithdrawalfromtheaccountwithapassbookandawithdrawalslipormakestransferfromtheaccountviaphonebankingoronlinebankingduringthetermofloan.
第四条(借款期间)Article4(TermofLoan)
(一)一次拨付型
(1)Lump-sumdisbursement
本借款期间____年____月,自民国____年____月____日起至民国____年____月____日止。
Thisloanhasatermof____(years)___(months),startingon____(year)___(month)__(day)andendingon____(year)____(month)__(day).
(二)循环动用型
(2)Revolvingloanfacility
自民国____年____月____日起至民国____年____月____日止,共一年。
契约期限届满前乙方如不同意续约,
应至迟于契约期限届满之三十日前(不含契约期限届满当日),以书面通知甲方;乙方如未依前述规定办理,甲方得主张依同一契约内容续约一年,不另换约。
Thisloanhasatermofoneyear,startingon_______(year)_________(month)_____(day)andendingon____(year)____(month)_____(day).IfPartyBdecidesnottorenewtheContractpriortoitsexpiration,PartyBshall,nolaterthan30daysbeforetheexpirationdate(excludingthedayonwhichtheContractexpires),notifyPartyAinwriting.ShouldPartyBfailstoactaccordingtotheprecedingprovision,PartyAmayclaimthattheloanhasbeenrenewedforanotheryearunderthesametermsandconditionswithoutsigninganothercontract.
第五条(借款利息计付方式)Article5(CalculationandPaymentofLoanInterest)
本借款之利息以下列方式计付:
按乙方基准利率(或其它指标利率)__%加年利率__%计算(合计年利率__%);嗣后随乙方基准利率(或其它指标利率)变动而调整,并自调整日起,按调整后之年利率计算。
前项所称之基准利率(或其它指标利率)以台银、合库、华银、一银及台湾土地银行等五家银行当期公告之「基准利率」之平均利率加年息 _____%订定之。
利息计算方式,如下:
按月计息,本金乘以年利率,再除以十二即得每月之利息额。
不足一个月之畸零天数部分,则按日计息,即:
一年(含闰年)以三百六十五日为计息基础,以本金乘以年利率、天数,再除以三百六十五即得畸零天数部分之利息额。
Interestonthisloantobecalculatedandpaidaccordingtothefollowingmethods:
CalculatedbyPartyB’sprimerate(orotherbenchmarkrates)at____%plusanannualrateof____%(totaling___%perannum);theinterestratewillbeadjustedsubsequentlyasPartyB’sprimerate(orotherbenchmarkrates)changes,andinterestwillbecalculatedattheadjustedannualratestartingfromthedateofadjustment.Theprimerate(orotherbenchmarkrates)referredtoinParagraph1shallbebasedontheaverageofannounced “baserate”of5banks,i.e.theBankofTaiwan,TaiwanCooperativeBank,HuaNanComm’lBank,FirstComm’l
BankandLandBankofTaiwanplus_____%perannum..
Interestiscalculatedmonthly,monthlyinterestistheprincipalmultipliedbyannualinterestandthendividedby12,andinterestontheportionlessthanamonthwillbecalculateddaily,thatis,interestwillbeaccruedonthebasisof365daysayear(includingleapyears)whereprincipalismultipliedbyannualinterestrateandthenumberofdayselapsedinthepartialmonthandthendividedby365.
第六条(利率调整之通知)Article6(NoticeofInterestRateChange)
乙方应于基准利率(或其它指标利率)调整时5日内将调整后之基准利率(或其它指标利率)告知甲方。
未如期告知者,其为利率调升时,仍按原约定利率计算利息、迟延利息;其为利率调降时,则按调降之利率计算利息、迟延利息。
前项告知方式,乙方除应于营业场所及网站公告外,双方另约定应以书面通知之方式告知
乙方调整基准利率(或其它指标利率)时,甲方得请求乙方提供该笔借款按调整后利率计算之本息摊还方式及本息摊还表。
依第五条第一项第五款个别约定利息计付方式者,其利率调整时,准用前三项之约定。
WhenPartyBadjustsitsprimerate(orotherbenchmarkrates),PartyBshallnotifyPartyAoftheadjustedprimerate(orotherbenchmarkrates)within5days.IfPartyBfailstomakesuchnotificationinatimelymanner,theinterestanddelayinterestwillbecalculatedattheoriginallyagreedratewheninterestrateisadjustedhigher,andcalculatedatlowerratewheninterestrateisadjusteddown.
PartyBshallposttheannouncementofinterestratechangementionedintheprecedingparagraphatitsbusinessplacesandonitswebsite,andinaddition,notifyPartyAviaawrittennoticeasmutuallyagreedbythepartiesWhenPartyBadjuststheprimerate(orotherbenchmarkrates),PartyAmayaskPartyBtoprovidetheprincipalandinterestrepaymentmethodandrepaymentschedulecalculatedbasedontheadjustedinterestrate.WhereinterestiscalculatedandpaidasagreedaccordingtoSubparagraph(5),Paragraph Paragraph1ofArticle5,theprovisionsofprecedingthreeparagraphsshallapplywheninterestrateisadjusted.
第七条(本息摊还方式与还款方式)
Article7(AmortizationofPrincipalandInterestandRepaymentMethod)
本借款本息摊还方式得约定下列方式:
自实际拨款日起,依年金法,按月摊还本息。
乙方应提供甲方借款本息计算方式及摊还表,并应告知网络或其它查询方式。
乙方提供「无限制清偿期间」:
甲方并得随时偿还借款或结清账户,无须支付违约金。
Theprincipalandinterestoftheloanmayberepaidbythefollowingmethod:
Startingfromtheactualdateofdisbursement,PartyAwillmakemonthlyamortizedpaymentonprincipalandinterestcalculatedbyannuitymethod.
PartyBshouldprovidePartyAwiththemethodofcalculatingloanprincipalandinterestandrepaymentschedule,andinformPartyAofthemethodofinquiringloanpaymentonline.
PartyBofferstheoptionof“noprepaymentpenalty”:
PartyAmayrepaytheloanorclosetheaccountatanytimewithoutpayinganypenalty.
第八条(迟延利息及违约金)Article8(DelayInterestandPenalty)
甲方如迟延还本或付息时, 乙方按原借款利率计算迟延期间之迟延利息者,始得收取违约金。
上开违约金按下列方式计收:
逾期六个月以内者,按原借款利率之百分之十,逾期超过六个月部分,按原借款利率之百分之二十,按期计收违约金,每次违约状态最高连续收取期数为九期。
WherePartyAislateinrepayingtheprincipalorpayingtheinterest,PartyBmaychargepenaltyonlyifitcalculatesinterestduringthelatepaymentperiodattheoriginalloanrate.Theaforementionedpenaltywillbechargedbythefollowingmethods:
Ifpaymentislessthansixmonthslate,defaultpenaltywillbechargedbybillingperiodattherateof10%oftheoriginalloanrate;fortheportionofpaymentoversixmonthslate,thepenaltywillbechargedattherateof20%oftheoriginalloanrate.Foreachincidenceofdefault,penaltymaybechargedonlyupfornineconsecutivebillingperiods.
第九条(费用之收取)Article9(Fees)
本借款之费用得约定如下:
Loanfeesmaybeagreedonasfollows:
(一)开办费:
新台币___元整。
(二)账户管理费:
新台币___元整。
前项所列费用均以收取一次为限。
且除前项所列费用之项目与金额外,乙方不得另外收取其它费用。
(1)Up-frontcharge:
NT$_______.
(2)Accountmanagementfee:
NT$_________.
Thefeeslistedintheprecedingparagraphmaybechargedonceonly.Asidefromthefeeitemsandamountslistedintheprecedingparagraph,PartyBmaynotchargeotherfees.
第十条(加速条款)Article10(AccelerationClause)
甲方对乙方任一借款所负之支付一切本息及费用之债务,均应依约定期限如数清偿。
甲方如有下列情形之一,乙方得酌情缩短借款期限,或视为全部到期。
但乙方依下列第二款、第六款及第七款之任一事由为前揭主张时,应于合理期间以书面通知甲方后,始生缩短借款期限,或视为全部到期之效力:
(一)任何一宗债务不依约清偿本金者。
(二)任何一宗债务不依约支付利息、费用、其它应付款项者。
(三)依破产法或消费者债务清理条例声请和解、声请宣告破产、经票据交换所通知拒绝往来、停止营业,清理债务者。
(四)因债务人死亡而其继承人声明为抛弃继承者。
(五)因刑事而受没收主要财产之宣告者。
(六)甲方对乙方所负债务,其实际资金用途与乙方核定用途不符者。
(七)受强制执行或假扣押、假处分或其它保全处分,致乙方有不能受偿之虞者。
PartyAshallpayoffalldebtsinconnectionwithanyoftheloansgrantedbyPartyB,includingprincipal,interestandfees,accordingtotheagreedtermsandconditions.IncasePartyAhasanyofthefollowingsituations,PartyBhasthediscretiontoshortenthetermofloanorcalltheentireloandue.HoweverwhenPartyBmakesanyclaiminaccordancewithSubparagraph
(2),(6),and(7)hereof,itshouldnotifyPartyAinwritingandgivePartyAareasonableperiodoftimebeforetheshorteningofloantermorthecallingofloantakeseffect:
(1)PartyAfailstorepaytheprincipalofanydebtasagreed.
(2)PartyAfailstopayinterest,feesandotherpayablesonanydebtasagreed.
(3)PartyAfilesforsettlementorvoluntarilyfilesorisbeingfiledfordeclarationofbankruptcyundertheBankruptcyActortheConsumerDebtClearanceAct,or