中信银行个人借款合同英文翻译文档格式.docx
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中信银行个人借款合同英文翻译文档格式.docx
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__________________________
Mortgager:
___________________________________________________
IDdocumentandNo.:
_______________________________
Accordingtotherelevantlawsandregulationsofthe<
ContractLawofthePeople’sRepublicofChina>
<
GuaranteeLawofthePeople’sRepublicofChina>
(<
GuaranteeLaw>
),and<
PropertyLawofthePeople’sRepublicofChina>
PropertyLaw>
),PartyA,PartyBandtherelevantguarantorsignthiscontractuponequalconsultation.
Article1AmountofLoan
TheamountofloanisreferredtoArticle15.1underthiscontract.
Article2PurposeofLoanandPayee(scope)
2.1PurposeofloanforthiscontractisreferredtoArticle15.2.Duringthetermofloan,PartyApromisestheloanunderthiscontractshallnotflowintostockmarket,futuresmarket,bespentonequityinvestmentorprojectsthatareforbiddenbylawsandregulationsofothercountriestooperate,orPartyAshalltakeonanylossbroughttoPartyB.
2.2Thepayeeforthiscontract(scope)isreferredtoArticle15.3.
Article3InterestofLoan
3.1InterestofloanisreferredtoArticle15.4.
3.2Duringthetermofthisloancontract,interestmaybechangedasprescribedbythePeople’sBankofChina,theadjustmethodofloaninterestrateisreferredtoArticle15.4.
Article4TermofLoan
4.1ThetermofloanisreferredtoArticle15.5.
Article5ReleaseandPaymentoftheLoan
5.1ExceptoneormoreofthefollowingconditionsareexemptedbyPartyB,otherwise,thepreconditionsforPartyBtoissuetheloanisallthefollowingconditionsaremet:
5.1.1PartyAprovidestheLoanApplicationandCertificatesrequiredbyPartyB;
5.1.2PartyAfulfillstheapplicationproceduresofloanandguaranteerequiredbyPartyB;
5.1.3PartyAsignsrequiredlegaldocumentsofloanapplication,withcheckandapprovalofPartyB;
5.1.4PartyAfulfillsandsignstheotherproceduresandrelevantdocumentsrequiredbyloanreleasingofPartyB,withcheckandapprovalofPartyB.
5.2PartyBshallreleasethefundstotheaccountdesignatedbyPartyA(theaccountdesignatedbyPartyAisthepayee’saccountrecordedinPersonalLoanCertificate(duebill)underthiscontract).ThereleasingofloanfromtheaccountofPartyBisregardedasthecompletionoftheloanobligationofPartyB.Thedateofloanreleasingistheactualloandisbursementdate,PartyBshallcalculatetheinterestratefromthedate.
LoanfundshouldbepaidinstrictaccordancewiththeappointmentstipulatedinArticle5.3underthiscontract.PartyAisnotallowedtochangethemodeandarrangementofpayment.
5.3TheloanfundshouldbepaidbythemethodofentrustedpaymentofPartyB.IfPartyAappliesforself-paymentinparticularcases,itshallneedtheverificationandapprovalofPartyB.Thespecificappointmentofthepaymentmethodisasfollows:
5.3.1EntrustedPaymentofPartyB
PartyAshouldapplyforpaymentwhileusingtheloan,filltheappendixthree:
PaymentAuthorization/Application(Suitablefortheconditionofbankentrustedpayment).
PartyBverifieswhethertherelevanttransactiondocumentsandcertificatesprovidedbyPartyAareinconformitywiththecontractbeforethepaymentofloanfund.WiththeverificationandapprovalofPartyB,accordingtothepaymententrustmentofPartyA,PartyBshalldelivertheloanfundthatPartyAappliestopaytotheaccountofPartyA’stradingobjectlistedbyPartyAinPaymentauthorization/application(Suitablefortheconditionofbankentrustedpayment).
5.3.2Self-PaymentMethodbyPartyA
UponapplicationbyPartyA,PartyBshallagreetoadoptself-paymentmethodisinvolvedinoneofthefollowingsituations:
(1)PartyAcannotconfirmdetailedtransactionobjectinadvanceandtheamountislessthanRMBthreehundredthousandyuan;
(2)ThetransactionobjectofPartyBcannotvalidusenon-cashmethodforsettlement;
(3)LoanfundusedforproductionandoperationandamountislessthanRMBfivehundredthousandyuan;
(4)Othersituationregulatedbylawandregulation.
Ifself-paymentmethodisadopted,PartyAshallfillappendixfour:
<
Self-paymentApplication>
withdetailedapplicationreason.UponcheckedandapprovedbyPartyB,PartyAcanuseself-paymentmethodtopayforloanfund.
Article
6
Repayment
of
the
Loan
6.1
Party
A,
based
on
relevant
regulations
B,
shall
select
ways
loan
repayment
under
15.6.
6.2
The
A
pay
off
principal,
interest
and
other
items
in
full
prior
to
stipulated
due
day
this
contract
(details
15.6),
by
depositing
one
any
account
opened
B
(account
name
No.
are
given
15.7),
irrevocably
authorizes
draw
funds
receivable
directly
from
above
day.
6.3
In
case
breaches
contract,
failing
repay
date
or
full,
has
right
charge
higher
rate
overdue
loans
as
prescribed
People’s
Bank
China(penalty
is
15.8).
that
fails
use
for
agreed
purposed
penalty
China
(penalty
misappropriation
For
misappropriate
use,
calculate
till
principal
paid
off.
If
date,
compound
rate.
6.4
agree
follow
principle
“repaying
before
principal”,
deduct
repaid
a
sequence
“overdue
interest(including
interest)-overdue
principal–current
-
current
principal”.
fund
not
enough
payable
party
have
decide
order
expense,
(including
interest)
principle,
also
at
time.
Article7RepaymentinAdvance
7.1IfPartyAisabletopayofftheloanaheadoftime,itshallsubmittoPartyBtheirrevocableloanrepaymentapplicationandrepaymentplan.AftercheckingandconfirmingthatPartyAhasnodelayofloanprincipalandinterestandhaspaidoffthecurrentinterest,PartyBwillapprovetherepaymentaheadapplication,thenPartyAcanrepaytheloaninadvance.Theinterestrepayablebeforerepayment-in-advancedayshallnotbeadjusted.
7.2Forrepaymentinadvance,PartyBcanchargepenaltytoPartyAunderRefertoTerm15.9ofthiscontractfordetails.
7.3WithPartyB’sagreement,PartyAexecutesaccordingtotheconventionofrepaymentinadvanceifPartyAautomaticallyrepayinadvance.RefertoTerm15.9ofthiscontractfordetails.
Article8GuaranteeofLoan
8.1TheguaranteetypefortheloanisspecifiedinArticle15.10.
8.2ScopeofGuarantee
8.2.1Theprincipalofloan,interest(includingcompoundinterest),penaltyinterestunderthiscontract;
8.2.2Penalty,compensation,reimbursement;
8.2.3Expensesarisingfromrealizationofliabilityandguaranteeright(including,butnotlimitedtoattorneys'
fees,assessmentfee,auctionfee,lawsuitfee,all-riskfee,travelexpenseetc.).
8.3MortgageGuarantee
8.3.1Themortgagervoluntarilymortgagestheproperty(Guarantyforshortintheafterwardcontents)inGuarantyList-theAttachmentAofthiscontract,andagreestoberestrictedbythiscontract.
8.3.2Theco-ownerofthemortgagedpropertyunderthiscontractagreestomortgagethepropertyandberestrictedbythiscontract.
8.3.3Themortgagershallcompletetheregistrationofmortgagedpropertybasedonlawsandregulations.Themortgagershalltakeonthefeesforthemortgagedproperty.ThemortgagershallprovidetothePartyBtheevidencedocumentsandrelevantmaterialsofownershipoftheguaranty,andtheoriginalofMortgageRegistrationCertificateshallbekeptbyPartyB.
8.3.4PartyBcanexercisethemortgagerightincaseoneoffollowingsituationshappens:
(1)PartyAfailstorepaythedueloanpayableand/orotheritemspayablebasedonthiscontract;
(2)Partybreachesthecontract,partyBclaimstotakebacktheloaninadvance,andPartyBfailstobepaidoffornotfullypaidoff;
(3)Themortgagerbreachesthecontractbydisposingtheguaranty,orimplementsactionenoughtodecreasethevalueofguaranty,andPartyBisrefusedofrestoringtheguarantytooriginalvalueorprovidingguarantee,PartyBcanexercisethemortgagerightinadvance.
8.3.5Party
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