中信银行个人贷款合同格式完整版.docx

1、中信银行个人贷款合同格式完整版合同编号：YT-FS-9019-71中信银行个人贷款合同格式(完整版)Clarify Each Clause Under The Cooperation Framework, And Formulate It According To The Agreement Reached By The Parties Through Consensus, Which Is Legally Binding On The Parties.互惠互利 共同繁荣Mutual Benefit And Common Prosperity 合同书编号：YT-FS-9019-71编订：*批准

2、：*中信银行个人贷款合同格式(完整版)备注：该合同书文本主要阐明合作框架下每个条款，并根据当事人一致协商达成协议，同时也明确各方的权利和义务，对当事人具有法律约束力而制定。文档可根据实际情况进行修改和使用。Code No:借款人（以下简称甲方）：Borrower (hereinafter called Party A):身份证件名称及号码：ID name and code No: ID card Number住所：Address of living place:联系电话：Post code: 邮编：Contact number:贷款人（以下简称乙方）：Lender (hereinafter c

3、alled Party B):住所：Address of living place:联系电话：Post code: 邮编：Contact number:抵押人：Mortgager:身份证件名称及号码：ID name and code No: ID card Number住所：Address of living place:联系电话：Post code: 邮编：Contact number:出质人：Pledger:身份证件名称及号码：ID name and code No: ID card Number住所：Address of living place:联系电话：Post code: 邮编：C

4、ontact number:保证人：Guarantor:身份证件名称及号码：ID name and code No: ID card Number住所：Address of living place:联系电话：Post code: 邮编：Contact number:根据中华人民共和国合同法和担保法的相关规定，甲方、乙方和担保方经过协商，就乙方向甲方贷款事宜达成如下合同条款。According to the relevant laws and regulations of the Contract Laws andGuarantee Law of the Peoples Republic of

5、 China, Party A, Party B and therelevant Guarantor, after reaching agreement through negotiations on the loan to Party B by Party A, hereby enter into this contract.第一条 借款金额Article 1 Amount of Loan详见本合同第十四条第一款。1.1 The amount of loan is referred to Article 14.1 under this contract.第二条 借款用途Article 2 P

6、urpose of Loan详见本合同第十四条第二款。2.1 Purpose of loan for this contract is referred to Article 15.2.第三条 借款利率Article 3 Interest of Loan一、借款利率详见本合同第十四条第三款。3.1 Interest of loan is referred to Article 14.3. The interest is calculated from the day releasing loan.二、本合同履行期间，遇中国人民银行贷款利率调整，借款利率按有关规定调整与执行，乙方将在营业场所对贷

7、款利率调整情况进行公告，不再另行书面通知甲方。3.2 During the term of this loan contract, interest may be changed as prescribed by the Peoples Bank of China, Party B is entitled to adjust and implement the interest rate without further notice to Party A.第四条 借款期限及还款总期数Article 4 Life of Loan and Total Loan Repayment Terms一、

8、借款期限详见本合同第十四条第四款。4.1 Life of loan and total loan repayment terms are referred to Article 14.4.二、实际借款发放日与本合同约定的日期不一致时，以实际借款发放日为准计算借款期限。4.2 In the event that the actual funds release date is in disagreement with thedate stipulated under this contract, the life of loan shall be calculated based onthe a

9、ctual day of funds releasing.三、甲、乙双方约定甲方按期还款，确定还款总期数，详见本合同第十四条第四款。第五条 借款发放Article 5 Release of Funds under the Loan一、乙方发放借款的前提是甲方提供了符合乙方要求的证明材料，履行了乙方要求的申请借款和担保手续，签署了申请借款所需法律文件并经乙方审查同意。5.1 Party B will release the funds under condition that Party A has providedevidences complying with requirements of

10、 Party B, and has completed the loan applying and guaranteeing procedures, and has signed the legal documents with check and approval of Party B.二、甲方授权乙方在审查同意后，将借款直接划入甲方指定并经乙方认可的账户（账户名称、账号详见第十四条第五款），即为乙方依约履行了向甲方提供借款的义务。5.2 After funds release is approved, Party A will grant Party B to transfer thelo

11、an into the account designated by Party A and approved by Party B (accountname and account No. are given under Article 14.5).三、本合同项下的借款发放后，甲方就所购商品或服务发生的任何纠纷，均与乙方无关，本合同应正常履行。5.3 After releasing of the loan, any disputes under the use of funds under thisloan by Party A has no relationship with Party B

12、, and the contract will still befulfilled.第六条 借款偿还Article 6 Repayment of the Loan一、 甲方应根据乙方相关贷款办法规定，在下述四种还款方式中选择一种方式归还借款本息，甲方选择的还款方式详见本合同第十四条第六款：6.1 Party A, based on relevant regulations of Party B, shall select ways of interest calculation, interest settlement and loan principal repayment under Ar

13、ticle 14.6.二、甲方应当于乙方规定的每期还款日（详见第十四条第六款）前，将当期应偿还的借款本息及逾期的罚息、复利等足额存入在乙方开立的还款账户（账户名称及账号见第十四条第六款），并不可撤销地授权乙方于当期还款日直接从该账户划收应收款项。6.2 The Party A shall pay off the principal, interest and other items in full priorto the stipulated due repayment day under this contract (details under Article15.6), by deposi

14、ting one of any repayment account opened by Party B (account name and account No. are given in Article 14.6), and irrevocably authorizes Party B to draw the funds receivable directly from the account above on the due repayment day.三、甲、乙双方同意遵循先还息后还本的原则，乙方按照“期前逾期本息、罚息和复利当期利息本金”的顺序扣划甲方还入款项。甲方违反本合同约定，逾期

15、或未按约定的金额归还借款本息，乙方有权按照人民银行的规定对逾期借款加收罚息。甲方逾期或未按约定的金额偿还借款利息时，乙方有权按人民银行的规定对甲方未支付的利息计收复利。6.3 In case Party A breaches the contract, failing to repay the funds on duedate or failing to pay funds in full, Party B has the right to charge higher interestrate on overdue loans as prescribed by the Peoples Bank

16、 of China(penalty interest rate on overdue loan is stipulated under Article 15.6). In case that Party A fails to use the funds for the agreed purposed under this contract, Party B has the right to charge penalty interest rate on overdue loans as prescribed by the Peoples Bank of China (penalty inter

17、est rate on misappropriation of loan is stipulated under Article 15.6). For overdue loan or loan of misappropriate use, Party B shall calculate the interest rate based on penalty interest rate from the day of overdue loan or misappropriate use of loan till the principal and interest are paid off. If

18、 Party A fails to pay off the interest on due date, Party B shall calculate compound interest based on penalty interest rate.第七条 提前还款Article 7 Repayment in Advance甲方如欲提前还款，应于拟提前还款日前三十日将提前还款申请书及还款计划以书面形式提交乙方，经乙方审核同意后即为不可撤销。甲方经乙方审核确认甲方未有拖欠借款本息及已还清当期本息后方可提前还款。提前还款日前已计收的利息不作调整。提前还款，乙方有权按提前还款金额的 %计收损失补偿金

19、。7.1 If Party A is able to pay off the loan ahead of time, it shall submit to Party B the irrevocable loan repayment application and repayment plan. After checkingand confirming that Party A has no delay of loan principal and interest and haspaid off the current interest, Party B will approval the r

20、epayment ahead application, then Party A can repay the loan in advance.The interest repayable before repayment-in-advance day shall not be adjusted.第八条 借款担保Article 8 Guarantee of Loan本合同项下的担保条款的效力独立于本合同。甲方对借款提供的担保可选择如下方式，详见本合同第十四条第八款。8.1 The effectiveness of guarantee terms under this contract is in

21、dependent ofthis contract. The guarantee type for the loan is specified in Article 15.8.一、抵押担保Mortgage Guarantee（一）抵押人自愿将本合同附件一“抵押物清单”所列明的财产（以下简称抵押物）抵押给乙方，作为甲方偿还本合同项下借款的担保。8.4.1 The mortgager voluntarily mortgages the property in Guaranty List-theAttachment A of this contract, and agrees to be restr

22、icted by this contract.（二）本合同抵押物的共有权人同意将本合同项下的抵押物作抵押，并同意受本合同约束8.4.2 The co-owner of the mortgaged property under this contract agrees tomortgage the property and be restricted by this contract.（三）抵押担保范围：Scope of Guarantee1本合同项下的借款本金、利息（含复利）、罚息；8.3.1 The principal of loan, interest (including compoun

23、d interest), penalty interest under this contract;2违约金、赔偿金、补偿金；8.3.2 Penalty, compensation, reimbursement;3为实现债权和抵押权而支付的费用（包括但不限于因违约方产生的律师费、抵押物处置费）。8.3.3 Expenses arising from realization of liability and guarantee right(including,but not limited to attorneys fees, assessment fee, auction fee, law s

24、uit fee,all-risk fee, travel expense etc.).（四）抵押人必须依照法律规定办理抵押物的登记手续。抵押人向乙方提供该抵押物的所有权证明文件及有关资料，抵押登记证明文件正本交乙方保管。8.4 The mortgager shall complete the registration of mortgaged property based on laws and regulations. The mortgager shall take on the fees for the mortgaged property. The mortgager shall pr

25、ovide to the Party B the evidence documents and relevant materials of ownership of the guaranty, and the original of Mortgage Registration Certificate shall be kept by Party B.（五）出现下列情形之一，乙方可以行使抵押权：8.4 Party B can exercise the mortgage right in case one of following situations happens:1甲方债务履行期限届满，乙方

26、未受清偿或未受完全清偿的；(1) Party A fails to repay the due loan payable and/or other items payablebased on this contract;2甲方违反本合同的约定，乙方宣布提前收回借款，乙方未受清偿或未受完全清偿的；(2) Party breaches the contract, party B claims to take back the loan in advance, and Party B fails to be paid off or not fully paid off;3抵押人违反本合同的约定，擅自

27、处分抵押物，或实施足以使抵押物价值减少的行为，乙方要求抵押人恢复原状或者提供担保遭拒绝，乙方可以提前行使抵押权。(3) The mortgager breaches the contract by disposing the guaranty, or implements action enough to decrease the value of guaranty, and Party B is refused of restoring the guaranty to original value or providing guarantee, Party B can exercise th

28、e mortgage right in advance.（六）乙方可选择下列方式之一实现抵押权：Party B can select any one of the following ways to realize the mortgage right:1与抵押人协议以抵押物折价受偿；(1) Discount of mortgage in agreement with mortgager;2拍卖受偿；(2) Auction of guaranty;3变卖受偿；(3) Sale of mortgage;4法律允许的其他方式。(4) Other ways allowed by law.（七）抵押人

29、应向乙方提供抵押物的权利证书及其他有效证明文件和相应资料，经乙方确认后，由乙方保管。The mortgager shall provide to Party B the Ownership certificate and other valid certification documents and relevant materials, after confirmation of Party B, all documentation aforementioned shall be kept by Party B.（八）甲方还清全部贷款本息及其它应付款项，并履行了本合同的全部条款，则抵押关系终

30、止。Under condition that Party A pays off the total loan principal and interest,and in fulfillment of all items under this contract, the mortgage relationshipshall terminate.（九）抵押权存续期间，抵押人应将其所知道或应当知道的对抵押权产生或可能产生不利影响的情况及时书面通知乙方。Within the period of mortgage, the mortgager shall inform the Party B in aw

31、ritten way all situations he knows or should know that have produced or mayproduce adverse impact on the guaranty（十）抵押权存续期间，抵押人对抵押物应当妥善保管；负有维修、保养、保持抵押物完整无损的义务并随时接受乙方的监督与检查。Within the period of mortgage, the entire guaranty shall be taken goodcare of by the mortgager, who as well responsible for repair and maintenanceto make sure that the guaranty is all preserved well, and subject himself to thesupervision and inspection from Party