中英文翻译模板-个人购房借款合同(工行)Word下载.doc

中英文翻译模板-个人购房借款合同(工行)Word下载.doc

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BeijingYiyangXingchengRealEstateDevelopmentCo.,Ltd.

SupervisedbyIndustrialandCommercialBankofChina

Inaccordancewithrelevantstatelawsandrules,thecontractismadeafternegotiationsbetweenthebothparties.

Loanitems

Article1.Thelenderprovidesloantotheborrowertopurchasetheresidentialhouse.Thecontractedloaningamount:

RMBonemillionFourHundredandFortyThousand（￥1,440,000）

Article2.Loanpurpose:

topurchasethehousinglocateinRoom201,Unit4,BuildingC,JunjingyuanLu,DongchengDistrict,Beijingwithaconstructionareaof164.22squaremeters.

Article3.Loaninterests:

（annual）interest4.2‰andbalancetheinterestbymonth.

Article4.TheloantermisTwentyyears,fromAug.20,2004,toAug.20,2024

Article5.Lendershalldeposittheamountofloaninclauseonebyone-timetotheAccountopenedbyBeijingYiyangXingchengRealEstateDevelopmentCo.,Ltd

Article6.Borrowerpaytheprincipalandinterestoftheloadunderthiscontractin240installments,everyonemonthbeingoneinstallment.TheamountofprincipalandinteresttobepaidforoneinstallmentisRMB9,535.21.Thewayofpaymentisinequalaccountofprincipalandinterest.

Article7.BorroweropenssavingaccountinToutiaoSavingAgentEstablishedNameisYUEJiangyan,AccountNumberis0200210901024019426,andpromisestotransfertheprincipalandinterestoftheloadintoitontime.

Article8.WhereBorrowerdoesnotrepayasperthesaidregulations,Lendermaydeduct2.1/tenthousandeverydaypaymentasdamage.

Article9.WhereBorrowerdoesnotrepaytheinterestofloanasperthesaidregulations,Lendermayhaverighttochargedoubleinterests.

Article10.Beforedistributingtheloan,ifBorrowerhasgreatconflictwithhouseselleroverproblemssuchhouse’squalityandproperty,Borrowerisauthorizedtocancelthiscontract,andshalldecidewhethercontinuethecontractwithinhalfoneyear.

Article11Afterthedeliveryoftheloan,ifdisputeoccursbetweenborrowerandPartyC,thecontractisstilleffective.

Article12.IfBorrowerneedstorefundinadvance,itshallnoteLenderonemonthbeforerefunddayandthenoticeisirrevocableupondelivery.

Article13Ifoneormoreitemsasfollowsoccur,Lenderhasrighttoexpirethecontractinadvance,anddeliver“informationofrepaymentinadvance”toBorrowerandSecurities.

（1）ViolationofcontractbyBorrower

（2）Thelostordeathornon-heirofBorrower

（3）TheheirofBorrowerrefusestorepaytheloan

（4）Borrowerdoesnotrepaytheloaninseriesthreeinstallments,orcumulativesixinstallments.

（5）ThealterationofsecuritiesleadstotheadvancedobligationsofPartyC

（6）others

Article14.Eitherpartywantstoalterpartofthearticlesofcontractshouldinformtheotherpartyinwrittenformandfriendlynegotiate.Anotheradvancedagreementisexcluded.

Article15.Borrowerisresponsibleforthecost.Anotheradvancedagreementisexcluded.

Mortgageitems

Article16.BorrowermortgagestherealestateandallthepovertiestheattachedlistofmortgagestoLender,andpromisestobearlegalresponsibilities.

Article17.Thescopeofmortgageincludesprincipalandinterestofloan（includingthearticle9）,punishedinterestandthecostofrealclaims.

Article18.Afterthesignofthiscontract,mortgageregistrationcertificationandotherrightcertificationsshouldbehandedovertomortgagee.

Article19.Mortgageeshouldprotectthemortgagescarefully,beresponsibleforthemaintenanceofthemortgages,andbesupervisedbyLender.

Article20.Thevalueischangedbecauseofmortgager’sfaultsorothers,mortgageeisnotresponsible.

Article21.Withouttheconsentofmortgager,themortgageehasnorighttodisposethemortgages.

Article22.IfLenderthinksitisnecessarytoreevaluatethemortgages,mortgageeshouldcooperate.

Article23.Thesetofmortgagesshouldregisterinadministrationforrealestate,sothecooperationisrequired.

Article24.Ifthesituationofarticle13occurs,Lenderhasrighttodisposethemortgagesinadvance.

Article25.BorrowershouldgoforinsuranceaccordingtotherequirementofBorrower.

Article26.Allorpartoftheitemsinloanhasnothingtodowiththeeffectofmortgageitems.

Materialmortgageitems

Article27.BorrowermortgagesallthepovertiestheattachedlistofMaterialmortgagestoLender,andpromisestobearlegalresponsibilities.

Article28.Thescopeofmortgageisprincipalandinterestofloan（includingthearticle9）,punishedinterestandthecostofrealclaims.

Article29.BorrowershouldhandovertherightcertificationtoLender,andLendershouldprotectitcarefully.

Article30.Ifthetimeofcashingvaluedbondsisaheadofthetimeofrepayment,methodsofdisposalasfollows:

（1）Cashthebondstorepaytheloan.

（2）Changeintothefixeddepositasmaterialmortgage.

（3）Usetherecognizedequaldepositandbondstochangesavingdepositandbonds.

Article31.Borrowerhasnorighttoreportlossofanymaterials.

Article32.Ifthesituationofarticle13occurs,Lenderhasrighttodisposethematerialmortgages.

Article33AllorpartoftheitemsinloanhasnothingtodowiththeeffectofMaterialmortgageitems

Guaranteeitems

Article34.GuarantoriswillingtoofferguaranteetoBorrower.

Article35.Thescopeofguaranteeisprincipalandinterestofloan（includingthearticle9）,punishedinterestandthecostofrealclaims.

Article36.PeriodofguaranteeistwoyearsafterBorrowernotfulfillingdebts.

Article37.Ifguarantorcannotfulfilltheobligationofguarantee,Lenderhasrighttodeductrelevantcashpaymentinaccount.,

Article38.GuarantorshouldpromisetosuperviseBorrowerpayontime.

Article39.BorrowerhasrighttotransferdebtstoguarantorwithouttheagreementofLender.

Article40.Borrowerusesstate-adjustednewinterestrate,guarantee’sagreementisnotneeded.

Article41.Allorpartoftheitemsinloanhasnothingtodowiththeeffectofguaranteeitems

Otheritems

Article42.Wherethedisputefailstoreachagreementamongthethreeparties,anyofthepartiesmaysubmittothelocalPeople’sCourtorlocalarbitrationorganizationforconciliation.

Article43.TheContractcomesintoeffectsincesignedbythreeparties.

Article44.TheContractendsasBorrowerpayingthepaymentinfull.

Article45.BorrowerhasrighttotransferthebenefitsinthiscontracttootherswithouttheapprovalofLenderandguarantor

Article46.IfBorrowerandguarantordonotfulfilltheobligationsregulatedinthecontract,enforcementisaccepted.

Article47.IfBorrowercannotfulfillthepayment,Lenderhasrighttoclaimforcompensationinanymethod.

Article48.Thiscontractisintriplicate,everypartyholdsone.

Article49.Attacheditems.

IndustrialandCommercialBankofChina（sealed）

Authorizedrepresentative:

WANGJun（signature）

YUEJiangyan（signature）

BeijingYiyangXingchengRealEstateDevelopmentCo.,Ltd.（sealed）

Legalrepresentative:

（signature）

Dateofsign:

Aug.20,2004

Appendix1.

ListofMortgages

Mortgager

YUEJiangyan

Address

Room3-301,Zhusan,MingliuHuayuan,Beijing

Telephonenumber

13904645884

Addressofmortgage

C-4-201,JunjingYuan,Chaonei,DongchengDistrict

Floorarea

（m2）

Originalvalue

（RMB）

Assessmentvalue

Rateofdiscount（%）

Mortgagedvalue

Seriednomberofrealestatecertificaiton

164.22

1,800,015

Bythenegotiationbetweenbothparties,themortgagedpropertiesarekeptbyMortgagee.WithouttheapprovalofBorrower,sale,hire,mortgageandgrantofthemortgagesareprohibited.

Mortgager:

LVHongzhan（signature）

Date:

Note:

ListofmortgagesisoneappendixofChineseIndustry&

CommerceBankIndividualMortgageLoanContractforPurchasingCommercialHousing

（SeriesNo:

A［Zhu］Zi［Beijing］Hang［Dongcheng］Branch［2004］Year［909］）

Appendix2.