上海浦发银行个人担保借款合同英文翻译版.docx

1、上海浦发银行个人担保借款合同英文翻译版No.: SPD BankPersonal Guarantee Loan ContractContract version No.:SPDB201203SPD Bank Personal Guarantee Loan ContractPersonal Guarantee Loan ContractSpecial Notes: The main body of the present contract is made up of Contract Terms and Conditions as well as Summary Sheet of Element

2、s of the Contract Terms and Conditions. The Contract Terms and Conditions needs not to be filled in, and all of its items to be filled in are indicated with specific codes; the Summary Sheet of Elements of the Contract Terms and Conditionsis attached to the Part 2 of this contract by centralized pri

3、nting or filling in all the information which needs to be filled in. The borrower and the Loaner have confirmed that all the contents of the Summary Sheet of Elements of the Contract Terms and Conditions are correct, and also acknowledged that the contract elements which need to be filled in the Con

4、tract Terms and Conditionsare subject to the contents of the Summary Sheet of Elements of the Contract Terms and Conditions. All the contents of the Summary Sheet of Elements of the Contract Terms and Conditions correspond one-to-one with the specific codes of the items to be filled out in the Contr

5、act Terms and Conditions, and constitutes an integral part with the Contract Terms and Conditions.The borrower: ID certificate type and No.: The lender (the Mortgagee / the pledgee): Shanghai Pudong Development Bank Co., Ltd. BranchThe mortgager (name / designation of natural person or legal person)

6、: ID certificate type and No.: The pledger (name / designation of natural person or legal person): ID certificate type and No.: The guarantor (name / designation of natural person or legal person): ID certificate type and No.: Whereas:The borrowerapplies to the lender for RMB personal loan, in accor

7、dance withthe relevant laws, rules and regulations of the Peoples Republic of China, upon consensus through consultation among the parties, the present contract is hereby entered into for mutual observance.Meanwhile, the borrower, the guarantor and the lender hereby confirm that (check with amark an

8、d uncheck with a mark according to the conditions):The present contract serves as an ancillary business document of the Personal Comprehensive Credit Granting Contract under the number of signed by the borrower and the lender.The present contract is an independent business document signed by the bor

9、rower, the guarantor and the lender.Part 1 Contract Terms and ConditionsArticle 1 Loan Amount andPurpose1.1 The loan type of the present contract is S1.1A (personal car loan / personal consumption loan / personal business loan / personal credit loan / others: S1.1A), the loan amount is RMBS1.1B Yuan

10、 (in words: RMB S1.1CYuan), and it is used for S1.1Donly and shall not be appropriated.The lender has the right to monitor the use of loans.Article 2Loan Term, Interest Rate and Method for Interest Calculation2.1 The loan term (and the debt performance period) under the present contractis S2.1A (“ y

11、ear(s) and month(s)”), and its start date is expected from the date S2.1B(from MM DD YY to MM DD YY). The actual loan start date is subject to the date recorded on the loan receipt.2.2 The value date of the loan under the present contract is the date of loan release. The method for interest calculat

12、ion is as follows: the loan interest will be calculated on a daily, monthly and yearly basis. The calculation methods of full-year, full-month and full-day shall be adopted for loan interest. If full-year, full-month and full-day cannot be reached, the last day at the end of end is the full-day. If

13、the loan period comes to the completion of year, the interest shall be calculated as per annual interest rate; if the loan period comes to the completion of month, the interest shall be calculated as per monthly interest rate; if the loan period covers full year (month) and remnant days, the interes

14、t of the part of full year (month) shall be calculated as per yearly (monthly) interest rate, and the interest of the remnant days shall be calculated according to the actual number of days. The formula of computation is as follows:For the full year and full month: Interest = principal period (the n

15、umber of year(s) or month(s) yearly or monthly interest rate;For the full year (month) and remnant day(s): Interest = principal period (the number of year(s) or month(s) yearly or monthly interest rate + the number of remnant day(s) daily interest rate2.3 Except otherwise specified by the both parti

16、es, the date of settlement of the loan interest under the present contract is the repayment date for each period agreed in the present contract.2.4 The loan interest rate under the present contract can adopt the floating interest rate, fixed interest rate or quasi-fixed interest rate, and actually a

17、dopts the method: S2.4A; Floating interest rateIt shall be executed according to the benchmark loan interest rate and floating range published by the Peoples Bank of China in the corresponding period. The loan interest rate under the present contract is S2.4A 1 1(“ above below%”) on the basis of the

18、 benchmark loan interest rate published by the Peoples Bank of China in the corresponding period. If the Peoples Bank of China adjusts the benchmark loan interest rate within the loan period, then, since the time that the contract loan interest agreed in the present contract is adjusted, the new con

19、tract loan interest rate will be executed after the floating according to the above said floating proportion on the basis of the new loan benchmark interest rate.The benchmark loan interest rate of the Peoples Bank of China in the corresponding period while signing the present contract is: S2.4A 1 2

20、 (“% (annual interest rate)”).Theexecuted interest rate is determined according to the benchmark loan interest rate on the actual date of loan release regulated by the Peoples Bank of China in the corresponding period as well as the floating proportion under the present contract. Monthly interest ra

21、te = annual interest rate/12, daily interest rate = annual interest rate/360, and the interest rate per period = annual interest rate the number of the month(s) of each period /12.If the benchmark loan interest rate regulated by the Peoples Bank of China is adjusted within the loan period, then the

22、contract interest rate shall be adjusted accordingly as per the S2.4A 1 3 method:Adjustment by year, and interest accrual by stage. That is, the new interest rate will be executed according to the benchmark loan interest rate regulated by the Peoples Bank of China as well as the floating proportion

23、stipulated under the present contract as of the first calendar day of the next calendar year after the interest rate adjustment. No interest rate adjustment, and no interest accrual by stage.Others: S2. 4A 1 3 Fixed interest rateIt shall be executed according to the fixed loan interest rate and floa

24、ting range stipulated byShanghai Pudong Development Bank in the corresponding period. The loan interest rate under the present contract is S2.4A 2 1 (“ above below%”) on the basis of the fixed loan interest rate published by Shanghai Pudong Development Bank in the corresponding period. If the People

25、s Bank of China adjusts the benchmark loan interest rate or Shanghai Pudong Development Bank adjusts the fixed interest rate applicable to this business within the loan period, then the interest rate executed in the present contract will not be adjusted. The fixed interest rate of the corresponding

26、period while signing the present contract is: S2.4A 2 2 (“% (annual interest rate)”). The executed interest rate is determined according to the fixed loan interest rate on the actual date of loan releasepublished by the Peoples Bank of China in the corresponding period as well as the floating propor

27、tion under the present contract. Monthly interest rate = annual interest rate / 12, daily interest rate = annual interest rate / 360, and the interest rate per period = annual interest rate the number of the month(s) of each period / 12. Quasi-fixed interest rateFixed interest rate will be executed

28、for S2.4A 3 1 (“ month(s), estimated till MM DD YY) from the date of loan release. That is, it will be executed according to the fixed loan interest rate and floating range stipulated by Shanghai Pudong Development Bank in the corresponding period (the loan period is from the date of loan release ti

29、ll the date of expiry of the contract).The loan interest rate under the present contract is S2.4A 3 2 (“ above below%”) on the basis of the fixed loan interest rate published by Shanghai Pudong Development Bank in the corresponding period. If the Peoples Bank of China adjusts the benchmark loan inte

30、rest rate or Shanghai Pudong Development Bank adjusts the fixed interest rate applicable to this business within the loan period, then the interest rate executed in the present contract will not be adjusted. The fixed interest rate of the corresponding period while signing the present contract is: S

31、2.4A 3 3 (“% (annual interest rate)”). The executed interest rate is determined according to the fixed loan interest rate on the actual date of loan release published by the Peoples Bank of China in the corresponding period as well as the floating proportion under the present contract. Monthly inter

32、est rate = annual interest rate / 12, daily interest rate = annual interest rate / 360, and the interest rate per period = annual interest rate the number of the month(s) of each period / 12.After the expiry of the fixed interest rate, i.e., S2.4A 3 4 (from MM DD YY to MM DD YY), a floating interest rate will be executed. That is, it shall be executed according to the benchmark loan interest rate and floating range stipulated by the Peoples Bank of China in the corresponding period (the loan pe