- 目錄
第1篇 中信銀行貸款業(yè)務居間服務合同
2023中信銀行貸款業(yè)務居間服務甲方：___________________
乙方：___________________
雙方代表經(jīng)磋商后，一致同意訂立本合同書。
一、 甲方委托乙方向銀行聯(lián)系和安排約借款(具體借貸金額由銀行評估審批后確定)，用于個人消費或裝修，乙方接受委托。
二、 甲方職責：
1、 提供借貸所需的真實性資料。
2、 積極配合辦理相關(guān)手續(xù)。
3、 維護乙方權(quán)益。
三、 乙方職責：
1、 充分發(fā)揮資源優(yōu)勢，認真負責加速辦理所有借款手續(xù)，在金融機構(gòu)審批后，借款全額匯入甲乙雙方共管賬號即視為成功。
2、 全面協(xié)調(diào)甲方與金融機構(gòu)的關(guān)系。
3、 維護甲方權(quán)益。
四、 甲方需承擔的費用：
1、 利息(詳見甲方與貸款銀行間簽訂的相關(guān)合同、協(xié)議約定);
2、 公證費、共管賬戶開戶費用(詳見甲方與公證處、銀行間簽訂的相關(guān)合同、協(xié)議約定);
3、居間服務費：稅后元，甲方須在銀行貸款審批成功，在房管局辦理他項權(quán)利證后一次性將貸款總額的居間服務費從共管賬戶中提取。
五、 違約責任：
1、 本合同生效后如任何一方擅自撤銷委托則視作違約。違約方即須支付人民幣
2、銀行貸款審批完畢在房管局辦理他項權(quán)利證后，甲方保證配合乙方從共管賬戶中提取全部居間服務費，每延誤一天甲方按申請貸款總額千分之五向乙方支付滯納金。
3、如因國家政策調(diào)整及甲方未能達到擔?；蜚y行貸款條件造成銀行無法放貸的，乙方對此不承擔違約責任。
六、 其它：
1、 本合同甲乙雙方簽字蓋章，貸款項目銀行受理審批后即生效，在履約完畢后自行終止;
2、 本合同一式二份，甲乙雙方各執(zhí)一份，具有同等法律效力;
3、 本合同未盡事宜甲乙雙方可協(xié)商解決;
4、本合同內(nèi)容雙方均有義務保守機密，不得擅自對外泄露;
5、每筆貸款因不可抗力因素未能辦成收取元勞務費，其余費用全部退還。
甲方(簽字)： ___________________乙方(簽字)：___________________
______年____月____日 ______年____月____日
第2篇 中信銀行個人購房借款合同
2023中信銀行個人購房借款編號
借款人(即抵押人，以下簡稱甲方)：
身份證件名稱及號碼：居民身份證：住所：聯(lián)系電話：郵政編碼：
共同借款人：
身份證件名稱及號碼：居民身份證：住所：聯(lián)系電話：郵政編碼：
貸款人(即抵押權(quán)人，以下簡稱乙方)：
住所：聯(lián)系電話：郵政編碼：法定代表人負責人：
保證人(以下簡稱丙方)：法定代表人：住所：聯(lián)系電話：郵政編碼：
甲方、乙方和丙方
依據(jù)《中華人民共和國民法典》等有關(guān)法律、法規(guī)，經(jīng)平等協(xié)商一致，訂立本合同。
第一條借款金額
貸款金額詳見本合同第條
第二條貸款用途及支付對象
本合同項下貸款用于購買本合同第條約定的房屋。
在貸款期間，甲方承諾本合同項下貸款不以任何形式流入證券市場、期貨市場和用于股本權(quán)益性投資，不用于借貸牟取非法收入，不用于其它國家法律法規(guī)規(guī)定不得經(jīng)營的項目，否則，甲方應承擔由此給乙方造成的任何損失。
本合同項下支付對象為本合同丙方。
第三條貸款利率
甲方可在浮動利率或階段性固定利率方式中選擇一種，詳見本合同第條。
在貸款期限內(nèi)，甲方如欲將浮動利率變更不階段性固定利率，或?qū)㈦A段性固定利率變更為階段性固定利率，或?qū)㈦A段性固定利率變更為浮動利率，需提前向乙方提出書面申請，經(jīng)乙方同意后執(zhí)行。
執(zhí)行階段性固定利率未滿一年的，不得將固定利率變更為浮動利率，執(zhí)行固定利率滿一年后，甲方申請將階段性固定利率變更為援利率的，應按本合同第208條的約定向乙方支付違約金。
第四條貸款期限
貸款期限詳見本合同第條
第五條貸款的發(fā)放和支付
除非乙方豁免如下一項或幾項條件，乙方發(fā)放本合同項下貸款的前提是以下條件得到全部滿足。
甲方已向乙方提供購房合同正本及有關(guān)資料和文件，并已足額支付首款;
甲方?jīng)]有發(fā)生本合同所約定的任一違約事項;
甲方履行了乙方要求的申請貸款和擔保手續(xù);
乙方認為必要的其他條件。
本合同項下貸款采用受托支付方式，乙方在經(jīng)審查同意發(fā)放貸款后，甲方委托和授權(quán)乙方將貸款劃入丙方賬戶(賬戶名稱、賬號見第條)。
貸款從乙方賬戶劃出即視為乙方的貸款義務履行完畢，貸款劃出日即為實際貸款發(fā)放日，乙方自此日起開始計收利息。
第六條貸款償還
甲方慶根據(jù)乙方有關(guān)貸款規(guī)定，在下述還款方式中選擇一種方式償還貸款本息，甲方選擇的還款方式詳見本合同第條。
到期一次性還本付息法，即貸款到期日一次性償還貸款本金并支付所有利息。
按月等額本息還款法，即貸款期限內(nèi)每月以相等的額度還貸款本息，計算公式為：貸款本金____月利率____(1+月利率)
還款月數(shù)還款月數(shù)每月還款額————————————————————(1+月利率)-1
按月等額本金還款法，即貸款期限內(nèi)每月以相等的額度償還貸款本金，貸款利息隨本金逐月結(jié)清，計算公式為：
貸款本金
每月還款額——————+(本金-累計已還本金額)____月利率
還款月數(shù)
按單周或雙周等額本息還款法
按單周或雙周等額本金還款法
等比遞增還款法
等比遞減還款法
等額比遞增還款法
等額遞減還款法
寬限期等額本息還款法
寬限期等額本金還款法
甲方應當于本合同規(guī)定的每期還款日(詳見條)前，將當期應償還的貸款本息及其他款項足額存入在乙方開立的還款賬戶(賬戶名稱及賬號詳見第條)，并不可撤銷地授權(quán)乙方于當期還數(shù)日直接從該賬戶劃收應收款項。
還款賬戶被有權(quán)機關(guān)凍結(jié)時，甲方應及時提供其他賬戶作為新的還款賬戶或到乙方規(guī)定的營業(yè)柜臺辦理還款手續(xù)。
甲方違反本合同約定，逾期或未按約定的金額足額歸還貸款，乙方有權(quán)按照中國人民銀行的規(guī)定對逾期貸款加收罰息(逾期貸款罰息利率詳見第條)。
甲方未按合同約定用途使用貸款，乙方有權(quán)按中國人民銀行的規(guī)定對甲方加收罰息(挪用貸款罰息利率見第條)。
對逾期或未按合同約定用途使用貸款的貸款，從逾期或未按合同約定用途使用貸款之日起，按罰息利率計收利息，直至清償本息為止。
對不能按時支付的利息(包括罰息)，按罰息利率計收復利。
甲、乙雙方同意遵循先還息后還本的原則，乙方按照“逾期利息(含罰息、復利)—逾期本金—當期利息—當期本金”的的順序扣劃甲方還入款項。
如果甲方還款賬戶中的款項不足以支付本合同項下的到期應付款項，乙方有權(quán)決定費用、利息(包括罰息、復利)、本金的清償順序，同時乙方有權(quán)承時從還賬戶中劃收到期應付款項。
第七條提前還款
甲方如欲提前還款，應按乙方要求提前將不可撤銷的還款申請書及還款計劃提交乙方。
乙方經(jīng)審核確認甲方未有拖欠貸款率息及已還清當期本息后，同意甲方申請的，甲方方可提前還款。
提前還款日前已計收的利息不作調(diào)整。
甲方提前還款，乙方有權(quán)向甲方收取違約金，具體約定利率合同第條。
經(jīng)乙方同意，甲方設(shè)定自動提前還款的(階段性固定利率房屋貸款以及約定收取提前還款違約金的除外)，按自動提前還款約定執(zhí)行，其體約定見本合同第條。
第八條貸款擔保
本合同項下的貸款提保為抵押加階段性保證。
抵押加階段性保證指甲方同意將以本合同項下貸款資金所購房屋抵押給乙方，以作為甲方償還本合同項下貸款的擔保。
對甲方取得該房屋的所有權(quán)并辦妥乙方為抵押權(quán)入的抵押登記之前所產(chǎn)生的所有甲方應付款項，丙方提供階段性連帶責任保證。
擔保范圍
本合同項下的貸款本金、利息(含復利)、罰息;
違約金、賠償金、補償金。
為實現(xiàn)債權(quán)和擔保權(quán)而發(fā)生的費用(包括但不限于律師費、評估費、拍賣費、訴訟費、保全費、差旅費等)。
第九條抵押
抵押特
本合同中的抵押特是指甲方向乙方貸款所購買的房屋，具體內(nèi)容見本合同第條。
抵押物共有人
本合同特的共有人同意將本合同項下的抵押物作抵押，并同意受本合同約束。
甲方取得所有購房屋的所有權(quán)證之日起，甲乙雙方必須在本合同第條約定的時限內(nèi)依照法律規(guī)定辦理抵押物的登記手續(xù)。
抵押權(quán)的行使
出現(xiàn)下列情形之一，乙方可以行使抵押權(quán)，并有權(quán)以處分抵押物所得價款清償或提前清償本合同項下的債務;
甲方不按照本合同規(guī)定償還到期應付貸款和或其他應付款項;
甲方違反本合同的約定同，乙方宣布提前收回貸款，乙方未受清償或未受完全清償?shù)摹?/p>
乙方可選擇下列方式之一實現(xiàn)抵押權(quán)
與甲方協(xié)議以抵押物折價受償;
拍賣受償;
變賣受償;
法律允許的其他方式
甲方應向乙方提供抵押物的權(quán)利證書及其他有效證明文件和相應資料，經(jīng)甲方和乙方確認后，由乙方保管。
、抵押關(guān)系終止
甲方還清全部貸款本息及其它應付款項，并履行了本合同的全部義務，則抵押關(guān)系終止。
第十條保證
保證方式
兩方對息本合同生效之日起至甲方就本合同項下所購房屋取得房屋所有權(quán)證，辦妥抵押登記和其他相關(guān)手續(xù)，并將《房屋他項權(quán)證》及其他有關(guān)資料交乙方持有之日止(“擔保階段”)甲方的所有應付款項承擔連帶保證責任，如甲方在擔保階段內(nèi)未能依照本合同的約定按時償還貸款本息和或相關(guān)費用的，在保證期間內(nèi)，乙方有權(quán)直接要求兩方承擔保證責任，并有權(quán)從丙方在中信銀行任何營業(yè)機構(gòu)開立的賬戶中直接扣劃。
保證期間
保證期間為擔保階段內(nèi)甲方每期應付款項逾期之日起至擔保階段屆滿后兩年。
本合同一式二份，甲方乙雙方各執(zhí)一份。
甲方(蓋章)乙方(簽名或者蓋章)
年月日年月日
第3篇 中信銀行個人貸款合同
code no:
借款人（以下簡稱甲方）：borrower (hereinafter called party a):
身份證件名稱及號碼：id name and code no: id card number
住所：address of living place:
聯(lián)系電話：post code: 郵編：contact number:
貸款人（以下簡稱乙方）：lender (hereinafter called party b):
住所：address of living place:
聯(lián)系電話：post code: 郵編：contact number:
抵押人：mortgager:
身份證件名稱及號碼：id name and code no: id card number
住所：address of living place:
聯(lián)系電話：post code: 郵編：contact number:
出質(zhì)人：pledger:
身份證件名稱及號碼：id name and code no: id card number
住所：address of living place:
聯(lián)系電話：post code: 郵編：contact number:
保證人：guarantor:
身份證件名稱及號碼：id name and code no: id card number
住所：address of living place:
聯(lián)系電話：post code: 郵編：contact number:
根據(jù)中華人民共和國合同法和擔保法的相關(guān)規(guī)定，甲方、乙方和擔保方經(jīng)過協(xié)商，就乙方向甲方貸款事宜達成如下合同條款。
according to the relevant laws and regulations of the contract laws and
guarantee law of the people’s republic of china, party a, party b and the
relevant guarantor, after reaching agreement through negotiations on the loan to party b by party a, hereby enter into this contract.
第一條 借款金額article 1 amount of loan
詳見本合同第十四條第一款。
1.1 the amount of loan is referred to article 14.1 under this contract.
第二條 借款用途article 2 purpose of loan
詳見本合同第十四條第二款。
2.1 purpose of loan for this contract is referred to article 15.2.
第三條 借款利率article 3 interest of loan
一、借款利率詳見本合同第十四條第三款。
3.1 interest of loan is referred to article 14.3. the interest is calculated from the day releasing loan.
二、本合同履行期間，遇中國人民銀行貸款利率調(diào)整，借款利率按有關(guān)規(guī)定調(diào)整與執(zhí)行，乙方將在營業(yè)場所對貸款利率調(diào)整情況進行公告，不再另行書面通知甲方。
3.2 during the term of this loan contract, interest may be changed as prescribed by the people’s bank of china, party b is entitled to adjust and implement the interest rate without further notice to party a.
第四條 借款期限及還款總期數(shù)
article 4 life of loan and total loan repayment terms
一、 借款期限詳見本合同第十四條第四款。
4.1 life of loan and total loan repayment terms are referred to article 14.4.
二、實際借款發(fā)放日與本合同約定的日期不一致時，以實際借款發(fā)放日為準計算借款期限。
4.2 in the event that the actual funds release date is in disagreement with the
date stipulated under this contract, the life of loan shall be calculated based on
the actual day of funds releasing.
三、甲、乙雙方約定甲方按期還款，確定還款總期數(shù)，詳見本合同第十四條第四款。
第五條 借款發(fā)放article 5 release of funds under the loan
一、乙方發(fā)放借款的前提是甲方提供了符合乙方要求的證明材料，履行了乙方要求的申請借款和擔保手續(xù)，簽署了申請借款所需法律文件并經(jīng)乙方審查同意。
5.1 party b will release the funds under condition that party a has provided
evidences complying with requirements of 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、甲方授權(quán)乙方在審查同意后，將借款直接劃入甲方指定并經(jīng)乙方認可的賬戶（賬戶名稱、賬號詳見第十四條第五款），即為乙方依約履行了向甲方提供借款的義務。
5.2 after funds release is approved, party a will grant party b to transfer the
loan into the account designated by party a and approved by party b (account
name and account no. are given under article 14.5).
三、本合同項下的借款發(fā)放后，甲方就所購商品或服務發(fā)生的任何糾紛，均與乙方無關(guān)，本合同應正常履行。
5.3 after releasing of the loan, any disputes under the use of funds under this
loan by party a has no relationship with party b, and the contract will still be
fulfilled.
第六條 借款償還article 6 repayment of the loan
一、 甲方應根據(jù)乙方相關(guān)貸款辦法規(guī)定，在下述四種還款方式中選擇一種方式歸還借款本息，甲方選擇的還款方式詳見本合同第十四條第六款：
6.1 party a, based on relevant regulations of party b, shall select ways of interest calculation, interest settlement and loan principal repayment under article 14.6.
二、甲方應當于乙方規(guī)定的每期還款日（詳見第十四條第六款）前，將當期應償還的借款本息及逾期的罰息、復利等足額存入在乙方開立的還款賬戶（賬戶名稱及賬號見第十四條第六款），并不可撤銷地授權(quán)乙方于當期還款日直接從該賬戶劃收應收款項。
6.2 the party a shall pay off the principal, interest and other items in full prior
to the stipulated due repayment day under this contract (details under article
15.6), by depositing 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、乙雙方同意遵循先還息后還本的原則，乙方按照“期前逾期本息、罰息和復利—當期利息—本金”的順序扣劃甲方還入款項。甲方違反本合同約定，逾期或未按約定的金額歸還借款本息，乙方有權(quán)按照人民銀行的規(guī)定對逾期借款加收罰息。甲方逾期或未按約定的金額償還借款利息時，乙方有權(quán)按人民銀行的規(guī)定對甲方未支付的利息計收復利。
6.3 in case party a breaches the contract, failing to repay the funds on due
date or failing to pay funds in full, party b has the right to charge higher interest
rate on overdue loans as prescribed by the peoples bank 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 people’s bank of china (penalty interest 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 party a fails to pay off the interest on due date, party b shall calculate compound interest based on penalty interest rate.
第七條 提前還款article 7 repayment in advance
甲方如欲提前還款，應于擬提前還款日前三十日將提前還款申請書及還款計劃以書面形式提交乙方，經(jīng)乙方審核同意后即為不可撤銷。甲方經(jīng)乙方審核確認甲方未有拖欠借款本息及已還清當期本息后方可提前還款。提前還款日前已計收的利息不作調(diào)整。
提前還款，乙方有權(quán)按提前還款金額的 %計收損失補償金。
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 checking
and confirming that party a has no delay of loan principal and interest and has
paid off the current interest, party b will approval the repayment ahead application, then party a can repay the loan in advance.
the interest repayable before repayment-in-advance day shall not be adjusted.
第八條 借款擔保article 8 guarantee of loan
本合同項下的擔保條款的效力獨立于本合同。甲方對借款提供的擔?？蛇x擇如下方式，詳見本合同第十四條第八款。
8.1 the effectiveness of guarantee terms under this contract is independent of
this contract. the guarantee type for the loan is specified in article 15.8.
一、抵押擔保mortgage guarantee
（一）抵押人自愿將本合同附件一“抵押物清單”所列明的財產(chǎn)（以下簡稱抵押物）抵押給乙方，作為甲方償還本合同項下借款的擔保。
8.4.1 the mortgager voluntarily mortgages the property in guaranty list-the
attachment a of this contract, and agrees to be restricted by this contract.
（二）本合同抵押物的共有權(quán)人同意將本合同項下的抵押物作抵押，并同意受本合同約束
8.4.2 the co-owner of the mortgaged property under this contract agrees to
mortgage the property and be restricted by this contract.
（三）抵押擔保范圍：scope of guarantee
1．本合同項下的借款本金、利息（含復利）、罰息；
8.3.1 the principal of loan, interest (including compound interest), penalty interest under this contract;
2．違約金、賠償金、補償金；8.3.2 penalty, compensation, reimbursement;
3．為實現(xiàn)債權(quán)和抵押權(quán)而支付的費用（包括但不限于因違約方產(chǎn)生的律師費、抵押物處置費）。
8.3.3 expenses arising from realization of liability and guarantee right(including,
but not limited to attorneys' fees, assessment fee, auction fee, law suit fee,
all-risk fee, travel expense etc.).
（四）抵押人必須依照法律規(guī)定辦理抵押物的登記手續(xù)。抵押人向乙方提供該抵押物的所有權(quán)證明文件及有關(guān)資料，抵押登記證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 provide 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）出現(xiàn)下列情形之一，乙方可以行使抵押權(quán)：
8.4 party b can exercise the mortgage right in case one of following situations happens:
1．甲方債務履行期限屆滿，乙方未受清償或未受完全清償?shù)模?/p>
(1) party a fails to repay the due loan payable and/or other items payable
based on this contract;
2．甲方違反本合同的約定，乙方宣布提前收回借款，乙方未受清償或未受完全清償?shù)模?/p>
(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．抵押人違反本合同的約定，擅自處分抵押物，或?qū)嵤┳阋允沟盅何飪r值減少的行為，乙方要求抵押人恢復原狀或者提供擔保遭拒絕，乙方可以提前行使抵押權(quán)。
(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 the mortgage right in advance.
（六）乙方可選擇下列方式之一實現(xiàn)抵押權(quán)：
party b can select any one of the following ways to realize the mortgage right:
1．與抵押人協(xié)議以抵押物折價受償；
(1) discount of mortgage in agreement with mortgager;
2．拍賣受償；(2) auction of guaranty;
3．變賣受償；(3) sale of mortgage;
4．法律允許的其他方式。(4) other ways allowed by law.
（七）抵押人應向乙方提供抵押物的權(quán)利證書及其他有效證明文件和相應資料，經(jīng)乙方確認后，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）甲方還清全部貸款本息及其它應付款項，并履行了本合同的全部條款，則抵押關(guān)系終止。
under condition that party a pays off the total loan principal and interest,
and in fulfillment of all items under this contract, the mortgage relationship
shall terminate.
（九）抵押權(quán)存續(xù)期間，抵押人應將其所知道或應當知道的對抵押權(quán)產(chǎn)生或可能產(chǎn)生不利影響的情況及時書面通知乙方。
within the period of mortgage, the mortgager shall inform the party b in a
written way all situations he knows or should know that have produced or may
produce adverse impact on the guaranty
（十）抵押權(quán)存續(xù)期間，抵押人對抵押物應當妥善保管；負有維修、保養(yǎng)、保持抵押物完整無損的義務并隨時接受乙方的監(jiān)督與檢查。
within the period of mortgage, the entire guaranty shall be taken good
care of by the mortgager, who as well responsible for repair and maintenance
to make sure that the guaranty is all preserved well, and subject himself to the
supervision and inspection from party b at any time.
（十一）抵押權(quán)存續(xù)期間，抵押人的行為足以使抵押物價值減少時，乙方有權(quán)要求抵押人停止該行為，并要求抵押人在十日內(nèi)恢復抵押物的價值或者提供與減少價值相當?shù)膿！?/p>
within the period of mortgage, should any decreases happen owing to the action of mortgager, party b has the right to request the mortgager to stop the action and restore the value or provide guaranty worth the equal value of the decreases within ten(10) days.
（十二）抵押權(quán)存續(xù)期間，抵押人可以將抵押物出借、（在抵押行為成立后）出租；抵押人在從事上述行為前，均需及時通知貸款人，若上述行為影響債權(quán)安全，貸款人有權(quán)要求抵押人禁止實施上述行為。未經(jīng)乙方書面同意，甲方不得轉(zhuǎn)讓、變更、贈與抵押物。
within the period of mortgage, without any written approval from party b,
the mortgager shall have no right to dispose the guaranty (disposing way
includes, but not limited to, transferring, renting, selling, donating the
guaranty).
（十三）抵押權(quán)存續(xù)期間，經(jīng)乙方同意的抵押物轉(zhuǎn)讓所得價款，應提前清償本合同項下的債務或轉(zhuǎn)為定期存款質(zhì)押。
8.4.12 within the period of mortgage, any money got by transferring the guaranty based on the approval of party b shall be used for paying off the loan ahead of schedule or changed to fixed deposit for guarantee.
（十四）抵押人應當按照乙方的要求購買抵押財產(chǎn)等保險并以乙方為優(yōu)先受償人，且不得約定任何有損乙方權(quán)益的條款。保險期限應長于借款期限，如本合同借款展期，抵押人同意繼續(xù)辦理抵押物延長投保的手續(xù)。保險單和續(xù)保單正本由乙方保管。如抵押人拒絕辦理續(xù)保手續(xù)，乙方可以代替抵押人直接辦理續(xù)保手續(xù)，續(xù)保費用由抵押人承擔。
as per the requests of party b, the mortgager shall give an insurance
upon his guaranty, and party b should be the insured enjoying right of exclusive and being paid off with priority/ primary beneficiary, and no items against benefits of party b shall be specified. the insurance term shall be longer than loan term under this contract. if term of loan under this contract is extended, the mortgager shall agree on the renewal insurance for the guaranty. the originals of insurance policy and renewal order shall be kept by party b. if mortgager refuses extending the insurance term, party b has the right to deal with insurance term extending instead of mortgager, and the renewal insurance cost shall be taken on by the mortgager. should any losses caused by refusal of insurance or renewal insurance, or failing to pay for the insurance from mortgager, the mortgager shall take on them.
（十五）抵押權(quán)存續(xù)期間，抵押人不得中斷或者撤銷上述保險。
within the period of mortgage, the mortgager shall not discontinue or
cancel the abovementioned insurance.
（十六）抵押權(quán)存續(xù)期間，抵押物發(fā)生保險事故，保險賠償金應當用于提前清償本合同項下的債務。
within the period of mortgage, should any accident happens to the guaranty, insurance compensation should be used for paying off the loan under this contract ahead of schedule with priority.
（十七）乙方與甲方變更本合同（包括但不限于借款金額、期限、利率、結(jié)息方式、還款方式，還款期數(shù)、每期還款額），只要不加重抵押人的責任，無須征得抵押人同意，抵押人仍承擔擔保責任。
when party b and party a change the contract (including, but not limited to, amount of loan, term of loan, interest rate, type of interest settlement, type of repayment, period of repayment, repayment amount for each period), the mortgager is no need to be notified if responsibility of mortgager is not increased accordingly, and the mortgager is still bear the responsibility of guarantee.
二、質(zhì)押擔保pledge guarantee
（一）出質(zhì)人自愿將本合同附件二“質(zhì)押物清單”所列明的動產(chǎn)/權(quán)利（以下簡稱質(zhì)物）質(zhì)押給乙方，作為甲方償還本合同項下借款的擔保。
the pledger voluntarily pledges the movable assets/rights in pledges list-attachment b of this contract, and agrees to be restricted by this contract.
（二）本合同質(zhì)物的共有權(quán)人同意將本合同項下的質(zhì)物作質(zhì)押，并同意受本合同約束。
the co-owner of the pledges under this contract agrees on pledging and be restricted by this contract.
（四）出現(xiàn)下列情形之一，乙方可以行使質(zhì)權(quán)：
party can exercise the pledge right in case one of following situations
happens:
1．甲方債務履行期限屆滿，乙方未受清償或未受完全清償?shù)模?/p>
party a fails to repay the due loan payable and/or other items payable based on this contract;
2．乙方根據(jù)本合同的約定，提前收回借款，乙方未受清償或未受完全清償?shù)模?/p>
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．質(zhì)物價值減少，出質(zhì)人未按照乙方要求提供擔保的，乙方可以提前行使質(zhì)權(quán)。
should the value of pledges is decreased, and the pledger fails to provide guarantee required by party b, party b can exercise the pledge right in advance.
（五）乙方可選擇下列方式之一實現(xiàn)質(zhì)權(quán)：
party b can select any one of the following ways to realize the pledge right:
1．與出質(zhì)人協(xié)議以質(zhì)物折價受償；discount of pledges in agreement with pledger;
2．拍賣受償；auction of pledges;
3．變賣受償；sale of pledges;
4．法律允許的其他方式。other ways allowed by laws.
（六）甲方與乙方變更本合同（包括但不限于借款金額、期限、利率、結(jié)息方式、還款方式、還款期數(shù)、每期還款額），只要不加重出質(zhì)人的責任，無須征得出質(zhì)人同意，出質(zhì)人仍對本合同項下的債務承擔擔保責任。
when party b and party a change the contract(including, but not limited to, amount of loan, term of loan, interest rate, type of interest settlement, type of repayment, period of repayment, repayment amount for each period), there is no need to ask for approval of the pledger, and the pledger is still bear the responsibility of guarantee.
（七）出質(zhì)人應將質(zhì)物或質(zhì)押權(quán)利憑證交乙方保管。甲方償還本合同項下的全部借款本金、利息及費用或出質(zhì)人代甲方清償所擔保的債權(quán)，乙方應將質(zhì)物及其相關(guān)證明文件返還出質(zhì)人。
the pledger shall provide to party b the evidence certificates, after confirmation of party b, and all certificates shall be kept by party b. when party a pays off the principal, interest and expenses for the whole loan under this contract, or the pledger pays off the guaranteed security instead of party a, party b shall return the pledges and relevant certificates to the pledger.
三、保證擔保 guarantee
（一）本合同的保證方式為連帶責任保證。
the guarantee form under this contract is joint liability assurance.
（二）保證人保證擔保的范圍：
1．本合同項下的借款本金、利息（含復利）、罰息；
2．違約金、賠償金、補償金；
3．為實現(xiàn)債權(quán)和質(zhì)權(quán)而支付的費用（包括但不限于因違約方發(fā)生的律師費）。
（三）保證人保證責任的保證期間自本合同生效之日起，至本合同項下債務履行期限屆滿之日起兩年。
the guarantee period is two years, from the day when the contract becomes effective till the expiring day of liability fulfillment term under this contract.
（四）在借款期內(nèi)，保證人發(fā)生被宣告破產(chǎn)、被依法撤銷、解散、資不抵債等喪失擔保資格和能力的變故時，保證人應及時通知乙方，甲方應提供新的擔保。
within the term of loan, should the guarantor be declared bankrupt or be
dissolved, or under insolvency to lose qualification of guarantee and ability, the
guarantor should notify party b in time, and party should provide a new guarantee.
第九條其他權(quán)利與義務article 9 miscellaneous rights and obligations
一、甲方保證提供的申請借款文件是真實、有效、合法的，并接受乙方的監(jiān)督和檢查。
9.1 party a shall ensure the loan application data are complete, true, valid and
legal, and cooperate with party a to investigate, censor and check the data.
二、甲方應定期或隨時應乙方要求，向乙方提供真實反映甲方財務狀況或收入情況的文件或證明。
9.2 at regular time or any time requested by party b, party a should provide
the documents or certificates reflecting truly the financial status or income of
party a.
三、本合同履行期間，甲方單位、住所、聯(lián)系方式等發(fā)生變化，應在變化發(fā)生后十日內(nèi)通知乙方。
9.3 within period of this contract, should any changes occur in company, address, contact way of party a, he shall inform party b within ten (10) days after the changes.
四、甲方不得挪用借款。甲方借款不用于購買或退掉本合同約定的商品或服務，應按提前還款與乙方結(jié)算，否則，視為改變借款用途挪作他用。
9.4 party a shall not use the loan funds for other purpose than that prescribed
under this contract. if party a does not use the loan on the agreed purpose under this contract, he should clear the loan with party b ahead of schedule, otherwise, party a shall be treated as misappropriate use of loan.
五、本合同履行期間，擔保人發(fā)生或可能發(fā)生影響其擔保能力的變化，甲方應當在變化發(fā)生的五日內(nèi)書面通知乙方并應當在十日內(nèi)提供新的、符合乙方要求的擔?；蛘卟扇∫曳秸J可的補救措施。
9.5 within period of this contract, should any changes happens or may happen
to the guarantor that influence his guaranteeing ability, party a should notify
party b in written way within five (5) days after the changes and provide a new
guarantee complying with requirement of party b or take any remedial measures approved by party b within ten (10) days.
六、甲方應當按照乙方的要求投保保險并以乙方為保險的優(yōu)先受償人。本合同履行期間，甲方不得中斷、撤銷保險。
9.6 party a shall be responsible for handling the attorney service, registry,
insurance, notarization, evaluation etc related to the contract and all expenses.
七、本合同項下的按揭律師服務費、保險費、評估費、公證費等費用按照相關(guān)規(guī)定或由甲乙雙方協(xié)商承擔。
第十條 違約責任article 10 default liability
一、發(fā)生下列情況之一即構(gòu)成違約：
10.1 fault liability occurs in case any one of the following situations happens:
（一）甲方改變借款用途；party a changes the purpose of the loan;
（二）甲方違反本合同約定，逾期或未按約定的金額歸還借款本息；
party a breaches the contract, failing to repay the funds on due date or failing to pay funds in full;
（三）甲方提供的證明、資料等文件有虛假、非法的情況；
the certificates and materials provided by party a are fake or illegal;
（四）甲方死亡、被宣告死亡、被宣告失蹤、喪失民事行為能力后無繼承人、受遺贈人、財產(chǎn)代管人、監(jiān)護人或者其繼承人、受遺贈人、財產(chǎn)代管人、監(jiān)護人拒絕履行本合同；
party a is deceased, declared disappearance or death, no heirs, donatee, property keeper, guardian after losing the capacity of civil conduct, or his heir, donatee, property keeper, guardian refuses to fulfill this contract;
（五）合同履行期間，抵押人擅自處分抵押物，或者抵押人的行為足以使抵押物價值減少，乙方要求恢復原狀、提供擔保遭拒絕；
within the period of the contract, in case that the mortgager disposes
the property without approval of party b, or action of the mortgager can decrease the value of guaranty, party b is refused of restoring the property or provision of new guarantee.
（六）合同履行期間，甲方中斷、撤銷乙方要求投保的保險；
（七）保證人提供虛假財務報告或者拒絕乙方對其財務狀況進行監(jiān)督、檢查；
the guarantor provides false financial report or refuses the check and supervision of party b on his financial status.
（八）保證人違反本合同保證條款或喪失擔保能力甲方未能提供符合乙方要求的擔保；
the guarantor breaches the terms of this contract or loses the ability of
guarantee, and party a fails to provide the guarantee required by party b.
（九）甲方或擔保人其他可能影響歸還乙方貸款的行為。
other actions from party a or the guarantor that may influence repayment of loan to party b.
二、發(fā)生違約情況時，乙方有權(quán)采取以下一種或多種措施：
10.2 in the event of default, party b has the right to take any one or a few
measures below:
（一）按中國人民銀行的規(guī)定計收罰息和復利；
calculate the penalty interest rate and compound interest as regulations of the people’s bank of china;
（二）要求甲方立即提前償還部分或全部借款，或以合法程序處分本合同項下的抵、質(zhì)押物以清償全部借款和利息，或要求保證人履行保證責任；
dispose the guaranty under mortgage and/or pledge by law, to pay off
the total loan and relevant interest; require the guarantor to fulfill the guarantee liability;
（三）其他法律允許的措施。other measures allowed by law.
第十一條 公證article 11 notarization
11.1 if any party under this contract makes request of notarization, this contract
shall be notarized by notary organ, and party a shall be responsible for the
expense.
如任何一方提出對本合同進行公證，則由公證機關(guān)進行公證，公證費用由甲方承擔。
11.2 if party b requests the notarial deed of documents for creditor‘s rights with
force of compulsory execution, party a will agree that party b could apply to
issue the notarial deed with compulsory force with the notary organ. if party a
fails to pay off all loan principal, interest and relevant expense on due date,
party b could take the notarial deed directly to people‘s court w
