中英文翻译模板-个人购房借款合同(工行).doc

1、Industrial and Commercial Bank of ChinaSeries No: A ZhuZi BJFHang Dongcheng Branch 2004Year 0573 Individual Mortgage Loan Contract For Purchasing Commercial HousingBorrower: YUE Jiangyan Lender: Industrial and Commercial Bank of China Guarantor: Beijing Yiyang Xingcheng Real Estate Development Co.,

2、Ltd.Supervised by Industrial and Commercial Bank of China In accordance with relevant state laws and rules, the contract is made after negotiations between the both parties. Loan itemsArticle 1. The lender provides loan to the borrower to purchase the residential house. The contracted loaning amount

3、 : RMB one million Four Hundred and Forty Thousand (￥1,440,000) Article 2. Loan purpose: to purchase the housing locate in Room 201, Unit 4, Building C, Junjingyuan Lu, Dongcheng District, Beijing with a construction area of 164.22 square meters.Article 3. Loan interests: (annual) interest 4.2 and b

4、alance the interest by month.Article 4. The loan term is Twenty years, from Aug. 20, 2004, to Aug. 20, 2024Article 5. Lender shall deposit the amount of loan in clause one by one-time to the Account opened by Beijing Yiyang Xingcheng Real Estate Development Co., Ltd Article 6. Borrower pay the princ

5、ipal and interest of the load under this contract in 240 installments, every one month being one installment. The amount of principal and interest to be paid for one installment is RMB 9,535.21. The way of payment is in equal account of principal and interest.Article 7. Borrower opens saving account

6、 in Toutiao Saving Agent Established Name is YUE Jiangyan, Account Number is 0200210901024019426, and promises to transfer the principal and interest of the load into it on time.Article 8. Where Borrower does not repay as per the said regulations, Lender may deduct 2.1 /ten thousand every day paymen

7、t as damage.Article 9. Where Borrower does not repay the interest of loan as per the said regulations, Lender may have right to charge double interests.Article 10. Before distributing the loan, if Borrower has great conflict with house seller over problems such houses quality and property, Borrower

8、is authorized to cancel this contract, and shall decide whether continue the contract within half one year.Article 11 After the delivery of the loan, if dispute occurs between borrower and Party C, the contract is still effective.Article 12. If Borrower needs to refund in advance, it shall note Lend

9、er one month before refund day and the notice is irrevocable upon delivery.Article 13 If one or more items as follows occur, Lender has right to expire the contract in advance, and deliver “information of repayment in advance” to Borrower and Securities.(1) Violation of contract by Borrower(2) The l

10、ost or death or non-heir of Borrower (3) The heir of Borrower refuses to repay the loan (4) Borrower does not repay the loan in series three installments, or cumulative six installments.(5) The alteration of securities leads to the advanced obligations of Party C(6) othersArticle 14.Either party wan

11、ts to alter part of the articles of contract should inform the other party in written form and friendly negotiate. Another advanced agreement is excluded. Article 15. Borrower is responsible for the cost. Another advanced agreement is excluded. Mortgage itemsArticle 16.Borrower mortgages the real es

12、tate and all the poverties the attached list of mortgages to Lender, and promises to bear legal responsibilities.Article 17.The scope of mortgage includes principal and interest of loan (including the article 9), punished interest and the cost of real claims.Article 18.After the sign of this contrac

13、t, mortgage registration certification and other right certifications should be handed over to mortgagee.Article 19.Mortgagee should protect the mortgages carefully, be responsible for the maintenance of the mortgages, and be supervised by Lender.Article 20.The value is changed because of mortgagers

14、 faults or others, mortgagee is not responsible.Article 21.Without the consent of mortgager, the mortgagee has no right to dispose the mortgages.Article 22.If Lender thinks it is necessary to reevaluate the mortgages, mortgagee should cooperate.Article 23. The set of mortgages should register in adm

15、inistration for real estate, so the cooperation is required. Article 24.If the situation of article 13 occurs, Lender has right to dispose the mortgages in advance.Article 25.Borrower should go for insurance according to the requirement of Borrower.Article 26.All or part of the items in loan has not

16、hing to do with the effect of mortgage items.Material mortgage itemsArticle 27. Borrower mortgages all the poverties the attached list of Material mortgages to Lender, and promises to bear legal responsibilities.Article 28. The scope of mortgage is principal and interest of loan (including the article 9), punished interest