1、浦发银行房屋抵押担保合同竭诚为您提供优质文档/双击可除浦发银行房屋抵押担保合同篇一：个人购房担保借款合同编号：浦发银行spDbAnK个人购房担保借款合同特别风险提示为维护您的利益，在您签署本合同前，请仔细阅读本提示，如有疑义可向业务人员咨询。一、请仔细阅读您将要签署的合同文本，特别注意核对一下您的贷款金额、贷款期限、贷款利率（包括利率执行方式和浮动比率）、抵押物状况、以及您所选定的还款方式是否正确。二、您授权银行在本合同签订后，将贷款款项以借贷给您的购房款名义划付给合同约定的收款人。三、贷款的实际起始日期以贷款的实际发放日为准，贷款字发放日起计算利息，贷款执行利率按照贷款发放日银行公布利率及本
2、合同约定的浮动比率执行。具体计算方式参见本合同相应具体条款。四、根据您对利率执行方式的选择，如在按照浮动利率计息期间，若遇中国人民银行调整贷款利率，则自本合同约定的利率调整时间起，在新的贷款利率基础上，按照本合同约定的浮动比例浮动后执行。如在按照固定利率计息期间，若遇中国人民银行调整贷款利率或上海浦东发展银行调整住房贷款固定利率，本合同执行利率不作调整。因此，中国人民银行调整贷款利率或上海浦东发展银行调整住房贷款固定利率，由于您所选择的计息方式，您的贷款利率可能并不能想对您有利的方向变化或者保持对您有利的状况。您已经对不同利率执行方式在利率波动情况下可能产生的不利风险有充分了解。五、您已经确保
3、您提交给银行的有关证件和资料是真是、合法、有效的。您已经确认自己有权在本合同上签字，签字是真实有效的，是您真实意愿的表示，具有法律约束力。六、如果您需要提前归还贷款，请提前三十（30）日向贷款银行提出书面申请，贷款银行同意后办理提前还款手续，本根据本合同约定收取违约金。详情参见本合同相应条款。七、您本着诚实、信用的原则，自愿签订并履行本合同。您已仔细阅读本特别风险提示，对其内容和表述已完全准确理解。如果您对本合同还有不理解之处，请暂缓签署本合同，您可以向上海浦东发展银行有关业务人员咨询。个人购房担保借款合同借款人：身份证件类型及编号：贷款人（抵押权人）：上海浦东发展银行股份有限公司抵押人（自然
4、人或法人姓名/名称）：身份证件类型及编号：保证人（自然人或法人姓名/名称）：身份证件类型及编号：鉴于：借款人向贷款人申请个人购房人民币贷款，现根据中华人民共和国有关法律、法规，经当事人各方协商一致，特订立本合同，以资遵守。第一部分合同条款第一条贷款金额、用途1.1本合同项下的贷款金额为人民币s1.1A元（大写：s1.1b元），用途限于购买座落于：s1.1c的房产，不得挪用。贷款人有权监督贷款的使用。第二条贷款期限、利率及计息方式2.1本合同项下的贷款期限（暨债务履行期）为s2.1A（“年个月”），预计自s2.1b（“年月日起至年月日”），实际贷款起始日期以贷款借据记载的日期为准。2.2本合同项
5、下的贷款起息日为贷款发放日，计息方式为：贷款利息采取对年、对月、对日的计算方法，如果不能对年、对月、对日，以月末最后一日为对日。贷款期限满年的按年利率计算，满月的按月利率计算，有整年（月）又有零头天数的，整年（月）部分按年（月）利率计算，仅零头天数按实际天数计算，其计算公式为:全是整年整月的:利息=本金时期（年或月数）年或月利率；有整年（月）又有零头天数的：利息=本金时期（年或月数）年或月利率+零头天数日利率2.3本合同项下贷款的结息日，除双方另有约定外，为本合同约定的每期还款日。2.4本合同项下的贷款利率，可采用浮动利率、固定利率或准固定利率，实际采用之方式为：s2.4A:浮动利率贷款利率在
6、中国人民银行公布的同档期的贷款基准利率的基础上s2.4A-1-1(“上浮下浮%”）。如在贷款期限内遇中国人民银行调整贷款基准利率，则自本合同约定的合同贷款利率调整时间起，在新的贷款基准利率基础上按上述利率浮动比例浮动后执行新的合同贷款利率。签订本合同时的中国人民银行同档期的基准利率为：s2.4A-1-2(“%(年利率）”），执行利率按贷款实际发放日中国人民银行规定的同档期基准利率及合同规定的浮动比例确定。月利率=年利率/12，日利率=年利率/360,期利率=年利率每期月数/12。若贷款期限内遇中国人民银行规定的贷款基准利率调整，本合同利率应按s2.4A-1-3方式相应调整：按年调整，分段计息。
7、即从利率调整的次公历年的首个公历日起，按当期中国人民银行规定的同档期贷款基准利率及合同规定的浮动比例执行新的利率。利率不作调整，不分段计息。其他：s2.4A-1-3固定利率按上海浦东发展银行公布的同档期购房贷款固定利率及浮动区间规定执行。本合同项下的贷款执行利率在上海浦东发展银行公布的同档期购房贷款固定利率的基础上s2.4A-2-1（“上浮下浮sRepublicofchina,uponconsensusthroughconsultationamongtheparties,thepresentcontractisherebyenteredintoformutualobservance.meanw
8、hile,theborrower,theguarantorandthelenderherebyconfirmthat(checkwithamarkanduncheckwithamarkaccordingtotheconditions):Thepresentcontractservesasanancillarybusinessdocumentofthepersonalcomprehensivecreditgrantingcontractunderthenumberofsignedbytheborrowerandthelender.Thepresentcontractisanindependent
9、businessdocumentsignedbytheborrower,theguarantorandthelender.part1contractTermsandconditionsArticle1LoanAmountandpurposepersonalbusinessloan/personalcreditloan/others:theloanamountisRmbThelenderhastherighttomonitortheuseofloans.Article2LoanTerm,InterestRateandmethodforInterestcalculation2.1Theloante
10、rm(andthedebtperformanceperiod)underthepresentcontractis(“year(s)andmonth(s)”),anditsstartdateisexpectedfromthedate(fromreceipt.2.2Thevaluedateoftheloanunderthepresentcontractisthedateofloanrelease.Themethodforinterestcalculationisasfollows:theloaninterestwillbecalculatedonadaily,monthlyandyearlybas
11、is.Thecalculationmethodsoffull-year,full-monthandfull-dayshallbeadoptedforloaninterest.Iffull-year,full-monthandfull-daycannotbereached,thelastdayattheendofendisthefull-day.Iftheloanperiodcomestothecompletionofyear,theinterestshallbecalculatedasperannualinterestrate;iftheloanperiodcomestothecompleti
12、onofmonth,theinterestshallbecalculatedaspermonthlyinterestrate;iftheloanperiodcoversfullyear(month)andremnantdays,theinterestofthepartoffullyear(month)shallbecalculatedasperyearly(monthly)interestrate,andtheinterestoftheremnantdaysshallbecalculatedaccordingtotheactualnumberofdays.Theformulaofcomputa
13、tionisasfollows:Forthefullyearandfullmonth:Interest=principalperiod(thenumberofyear(s)ormonth(s)yearlyormonthlyinterestrate;Forthefullyear(month)andremnantday(s):Interest=principalperiod(thenumberofyear(s)ormonth(s)yearlyormonthlyinterestrate+thenumberofremnantday(s)dailyinterestrate2.3exceptotherwi
14、sespecifiedbythebothparties,thedateofsettlementoftheloaninterestunderthepresentcontractistherepaymentdateforeachperiodagreedinthepresentcontract.2.4Theloaninterestrateunderthepresentcontractcanadoptthefloatinginterestrate,fixedFloatinginterestrateItshallbeexecutedaccordingtothebenchmarkloaninterestr
15、ateandfloatingrangepublishedbythepeoplesbankofchinainthecorrespondingperiod.Theloaninterestrateunderthepresent(“abovebelow%”)onthebasisofthebenchmarkloaninterestratepublishedbythepeoplesbankofchinainthecorrespondingperiod.Ifthepeoplesbankofchinaadjuststhebenchmarkloaninterestratewithintheloanperiod,
16、then,sincethetimethatthecontractloaninterestagreedinthepresentcontractisadjusted,thenewcontractloaninterestratewillbeexecutedafterthefloatingaccordingtotheabovesaidfloatingproportiononthebasisofthenewloanbenchmarkinterestrate.Thebenchmarkloaninterestrateofthepeoplesbankofchinainthecorrespondingperio
17、dwhilesigningthepresentcontractis:(“(annualinterestrate)”).Theexecutedinterestrateisdeterminedaccordingtothebenchmarkloaninterestrateontheactualdateofloanreleaseregulatedbythepeoplesbankofchinainthecorrespondingperiodaswellasthefloatingproportionunderthepresentcontract.monthlyinterestrate=annualinte
18、restrate/12,dailyinterestrate=annualinterestrate/360,andtheinterestrateperperiod=annualinterestratethenumberofthemonth(s)ofeachperiod/12.Ifthebenchmarkloaninterestrateregulatedbythepeoplesbankofchinaisadjustedwithinthemethod:Adjustmentbyyear,andinterestaccrualbystage.Thatis,thenewinterestratewillbee
19、xecutedaccordingtothebenchmarkloaninterestrateregulatedbythepeoplesbankofchinaaswellasthefloatingproportionstipulatedunderthepresentcontractasofthefirstcalendardayofthenextcalendaryearaftertheinterestrateadjustment.nointerestrateadjustment,andnointerestaccrualbystage.FixedinterestrateItshallbeexecut
20、edaccordingtothefixedloaninterestrateandfloatingrangestipulatedbyshanghaipudongDevelopmentbankinthecorrespondingperiod.Theloaninterestrateunderthe(“abovebelow%”)onthebasisofthefixedloaninterestratepublishedbyshanghaipudongDevelopmentbankinthecorrespondingperiod.Ifthepeoplesbankofchinaadjuststhebench
21、markloaninterestrateorshanghaipudongDevelopmentbankadjuststhefixedinterestrateapplicabletothisbusinesswithintheloanperiod,thentheinterestrateexecutedinthepresentcontractwillnotbeadjusted.Thefixedinterestrateofthe(“rate)”).Theexecutedinterestrateisdeterminedaccordingtothefixedloaninterestrateontheact
22、ualdateofloanreleasepublishedbythepeoplesbankofchinainthecorrespondingperiodaswellasthefloatingproportionunderthepresentcontract.monthlyinterestrate=annualinterestrate/12,dailyinterestrate=annualinterestrate/360,andtheinterestrateperperiod=annualinterestratethenumberofthemonth(s)ofeachperiod/12.Quas
23、i-fixedinterestrate(“fromthedateofloanrelease.Thatis,itwillbeexecutedaccordingtothefixedloaninterestrateandfloatingrangestipulatedbyshanghaipudongDevelopmentbankinthecorrespondingperiod(theloanperiodisfromthedateofloanreleasetillthedateofexpiryofthecontract).Theloan(“abovebelow%”)onthebasisofthefixe
24、dloaninterestratepublishedbyshanghaipudongDevelopmentbankinthecorrespondingperiod.IfthepeoplesbankofchinaadjuststhebenchmarkloaninterestrateorshanghaipudongDevelopmentbankadjuststhefixedinterestrateapplicabletothisbusinesswithintheloanperiod,thentheinterestrateexecutedinthepresentcontractwillnotbead
25、justed.(“%(annualinterestrate)”).Theexecutedinterestrateisdeterminedaccordingtothefixedloaninterestrateontheactualdateofloanreleasepublishedbythepeoplesbankofchinainthecorrespondingperiodaswellasthefloatingproportionunderthepresentcontract.monthlyinterestrate=annualinterestrate/12,dailyinterestrate=
26、annualinterestrate/360,andtheinterestrateperperiod=annualinterestratethenumberofthemonth(s)ofeachperiod/12.afloatinginterestratewillbeexecuted.Thatis,itshallbeexecutedaccordingtothebenchmarkloaninterestrateandfloatingrangestipulatedbythepeoplesbankofchinainthecorrespondingperiod(theloanperiodiscalcu
27、latedfromthedateoftheloanrelease).Theloaninterestrateunder(“abovebelow%”)onthebasisofthebenchmarkloaninterestratepublishedbythepeoplesbankofchinainthecorrespondingperiod.Ifthepeoplesbankofchinaadjuststhebenchmarkloaninterestrateduringtheperiod,then,sincethetimethatthecontractloaninterestagreedinthep
28、resentcontractisadjusted,thenewcontractloaninterestratewillbeexecutedafterthefloatingaccordingtotheabovesaidfloatingproportiononthebasisofthenewloanbenchmarkinterestrate.Therein,monthlyinterestrate=annualinterestrate/12,dailyinterestrate=annualinterestrate/360,andtheinterestrateperperiod=annualinter
29、estratethenumberofthemonth(s)ofeachperiod/12.Iftheborrowerneedstocontinueadoptingthefixedinterestratetocalculatetheinterest,thentheborrowershallproposeaseparateapplicationtothebank.Ifthebenchmarkloaninterestrateregulatedbythepeoplesbankofchinaisadjustedduringtheperiodofexecutingthefloatinginterestra
30、te,thenthecontractinterestrateshallbeadjustedAdjustmentbyyear,andinterestaccrualbystage.Thatis,thenewinterestratewillbeexecutedaccordingtothebenchmarkloaninterestrateregulatedbythepeoplesbankofchinaaswellasthefloatingproportionstipulatedunderthepresentcontractasofthefirstcalendardayofthenextcalendar
31、yearaftertheinterestrateadjustment.nointerestrateadjustment,andnointerestaccrualbystage.2.5Iftheborrowerfailstorepaytheloanprincipalandinterestofthecurrentperiodinfullonscheduleasrequired,itwillberegardedasoverdue,andthelenderwillhavetherighttochargepenaltyinterestinaccordancewiththerelevantprovisionsofthepeoplesbankofchina(seealsotherelevantcontentsofArticle12ofthepresentcontract).Article3conditionsontheborrowersmoneywithdrawal3.1unlessagreedbythelender,thelenderwillhavenoobligationtoreleas
