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�����������ʱ�䣺2017-07-04��Դ��CONTRACTUS�IJ���
ժҪ�� �������и��˴����ͬ ����Ӣ�ģ� CHINA CITIC BANK Personal Loan Contract Code No: ����ˣ����¼�Ƽ׷�����Borrower (hereinafter called Party A): ���֤�����Ƽ����룺ID name and code No: ID card Number ס����Address of living place: ��ϵ�绰
�������и��˴����ͬ  ����Ӣ�ģ�
         CHINA CITIC BANK Personal Loan Contract
Code No:
 
����ˣ����¼�Ƽ׷�����Borrower (hereinafter called Party A):
���֤�����Ƽ����룺ID name and code No: ID card Number
ס����Address of living place:
��ϵ�绰��Post code:     �ʱࣺContact number:
 
�����ˣ����¼���ҷ�����Lender (hereinafter called Party B):
 
ס����Address of living place:
��ϵ�绰��Post code:     �ʱࣺContact number:
 
��Ѻ�ˣ�Mortgager:
���֤�����Ƽ����룺ID name and code No: ID card Number
ס����Address of living place:
��ϵ�绰��Post code:     �ʱࣺContact number:
 
�����ˣ�Pledger:
���֤�����Ƽ����룺ID name and code No: ID card Number
ס����Address of living place:
��ϵ�绰��Post code:     �ʱࣺContact number:
 
��֤�ˣ�Guarantor:
���֤�����Ƽ����룺ID name and code No: ID card Number
ס����Address of living place:
��ϵ�绰��Post code:     �ʱࣺContact number:
 
�����л����񹲺͹���ͬ���͵���������ع涨���׷����ҷ��͵���������Э�̣����ҷ���׷��������˴�����º�ͬ���
 
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.
 
 
������һ�� �����Article 1 Amount of Loan
�������ͬ��ʮ������һ�
 
1.1 The amount of loan is referred to Article 14.1 under this contract.
 
 
�����ڶ��� �����;Article 2 Purpose of Loan
�������ͬ��ʮ�����ڶ��
2.1 Purpose of loan for this contract is referred to Article 15.2.
 
 
���������� �������Article 3 Interest of Loan
һ����������������ͬ��ʮ���������
 
3.1 Interest of loan is referred to Article 14.3. The interest is calculated from the day releasing loan.
��������ͬ�����ڼ䣬���й��������д������ʵ�����������ʰ��йع涨������ִ�У��ҷ�����Ӫҵ�����Դ������ʵ���������й��棬������������֪ͨ�׷���
 
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.
 
 
������ ������޼�����������
Article 4 Life of Loan and Total Loan Repayment Terms
һ��              ��������������ͬ��ʮ�������Ŀ
 
4.1 Life of loan and total loan repayment terms are referred to Article 14.4.
 
������ʵ�ʽ������뱾��ͬԼ�������ڲ�һ��ʱ����ʵ�ʽ�����Ϊ׼���������ޡ�
 
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.
 
���������ס���˫��Լ���׷����ڻ��ȷ���������������������ͬ��ʮ�������Ŀ
 
 
 
���������� ����Article 5 Release of Funds under the Loan
һ���ҷ����Ž���ǰ���Ǽ׷��ṩ�˷����ҷ�Ҫ���֤�����ϣ��������ҷ�Ҫ���������͵���������ǩ�������������跨���ļ������ҷ����ͬ�⡣
 
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.
 
���������׷���Ȩ�ҷ������ͬ��󣬽����ֱ�ӻ���׷�ָ�������ҷ��Ͽɵ��˻����˻����ơ��˺������ʮ������������Ϊ�ҷ���Լ��������׷��ṩ��������
 
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).
 
������������ͬ���µĽ��ź󣬼׷���������Ʒ����������κξ��ף������ҷ��޹أ�����ͬӦ�������С�
 
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.
 
 
���������� ����Article 6 Repayment of the Loan
һ�� �׷�Ӧ�����ҷ���ش���취�涨�����������ֻ��ʽ��ѡ��һ�ַ�ʽ�黹��Ϣ���׷�ѡ��Ļ��ʽ�������ͬ��ʮ���������
 
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.
���������׷�Ӧ�����ҷ��涨��ÿ�ڻ����գ������ʮ���������ǰ��������Ӧ�����Ľ�Ϣ�����ڵķ�Ϣ�����������������ҷ������Ļ����˻����˻����Ƽ��˺ż���ʮ����������������ɳ�������Ȩ�ҷ��ڵ��ڻ�����ֱ�ӴӸ��˻�����Ӧ�տ��
 
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.
 
���������ס���˫��ͬ����ѭ�Ȼ�Ϣ�󻹱���ԭ���ҷ�����“��ǰ���ڱ�Ϣ����Ϣ�͸���—������Ϣ—����”��˳��ۻ��׷��������׷�Υ������ͬԼ�������ڻ�δ��Լ���Ľ��黹��Ϣ���ҷ���Ȩ�����������еĹ涨�����ڽ����շ�Ϣ���׷����ڻ�δ��Լ���Ľ��������Ϣʱ���ҷ���Ȩ���������еĹ涨�Լ׷�δ֧������Ϣ���ո�����
 
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 People??s 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.
 
 
���������� ��ǰ����Article 7 Repayment in Advance
�׷�������ǰ���Ӧ������ǰ������ǰ��ʮ�ս���ǰ���������鼰����ƻ���������ʽ�ύ�ҷ������ҷ����ͬ���Ϊ���ɳ������׷����ҷ����ȷ�ϼ׷�δ����Ƿ��Ϣ���ѻ��嵱�ڱ�Ϣ�󷽿���ǰ�����ǰ������ǰ�Ѽ��յ���Ϣ����������
������ǰ����ҷ���Ȩ����ǰ������� %������ʧ������
 
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.
 
 
�����ڰ��� ����Article 8 Guarantee of Loan
����ͬ���µĵ��������Ч�������ڱ���ͬ���׷��Խ���ṩ�ĵ�����ѡ�����·�ʽ���������ͬ��ʮ�����ڰ˿
 
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.
 
����һ����Ѻ����Mortgage Guarantee
��һ����Ѻ����Ը������ͬ����һ“��Ѻ���嵥”�������IJƲ������¼�Ƶ�Ѻ���Ѻ���ҷ�����Ϊ�׷���������ͬ���½��ĵ�����
 
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.
 
������������ͬ��Ѻ��Ĺ���Ȩ��ͬ�⽫����ͬ���µĵ�Ѻ������Ѻ����ͬ���ܱ���ͬԼ��
 
8.4.2 The co-owner of the mortgaged property under this contract agrees to
mortgage the property and be restricted by this contract.
 
 
��������Ѻ������Χ��Scope of Guarantee
1������ͬ���µĽ�����Ϣ��������������Ϣ��
8.3.1 The principal of loan, interest (including compound interest), penalty interest under this contract;
 
����2��ΥԼ���⳥�𡢲�����8.3.2 Penalty, compensation, reimbursement;
 
����3��Ϊʵ��ծȨ�͵�ѺȨ��֧���ķ��ã���������������ΥԼ����������ʦ�ѡ���Ѻ�ﴦ�÷ѣ���
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.).
 
�������ģ���Ѻ�˱������շ��ɹ涨�����Ѻ��ĵǼ���������Ѻ�����ҷ��ṩ�õ�Ѻ�������Ȩ֤���ļ����й����ϣ���Ѻ�Ǽ�֤���ļ��������ҷ����ܡ�
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.
 
�������壩������������֮һ���ҷ�������ʹ��ѺȨ��
8.4 Party B can exercise the mortgage right in case one of following situations happens:
 
����1���׷�ծ���������޽������ҷ�δ���峥��δ����ȫ�峥�ģ�
(1) Party A fails to repay the due loan payable and/or other items payable
based on this contract;
 
����2���׷�Υ������ͬ��Լ�����ҷ�������ǰ�ջؽ��ҷ�δ���峥��δ����ȫ�峥�ģ�
(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����Ѻ��Υ������ͬ��Լ�������Դ��ֵ�Ѻ���ʵʩ����ʹ��Ѻ���ֵ���ٵ���Ϊ���ҷ�Ҫ���Ѻ�˻ָ�ԭ״�����ṩ������ܾ����ҷ�������ǰ��ʹ��ѺȨ��
(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.
 
�����������ҷ���ѡ�����з�ʽ֮һʵ�ֵ�ѺȨ��
Party B can select any one of the following ways to realize the mortgage right:
 
����1�����Ѻ��Э���Ե�Ѻ���ۼ��ܳ���
(1) Discount of mortgage in agreement with mortgager;
 
����2�������ܳ���(2) Auction of guaranty;
 
����3�������ܳ���(3) Sale of mortgage;
 
����4�����������������ʽ��(4) Other ways allowed by law.
 
�������ߣ���Ѻ��Ӧ���ҷ��ṩ��Ѻ���Ȩ��֤�鼰������Ч֤���ļ�����Ӧ���ϣ����ҷ�ȷ�Ϻ����ҷ����ܡ�
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.
 
�������ˣ��׷�����ȫ�����Ϣ������Ӧ������������˱���ͬ��ȫ��������Ѻ��ϵ��ֹ��
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.
 
�������ţ���ѺȨ�����ڼ䣬��Ѻ��Ӧ������֪����Ӧ��֪���ĶԵ�ѺȨ��������ܲ�������Ӱ��������ʱ����֪ͨ�ҷ���
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
 
������ʮ����ѺȨ�����ڼ䣬��Ѻ�˶Ե�Ѻ��Ӧ�����Ʊ��ܣ�����ά�ޡ����������ֵ�Ѻ�����������������ʱ�����ҷ��ļල���顣
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.
 
������ʮһ����ѺȨ�����ڼ䣬��Ѻ�˵���Ϊ����ʹ��Ѻ���ֵ����ʱ���ҷ���ȨҪ���Ѻ��ֹͣ����Ϊ����Ҫ���Ѻ����ʮ���ڻָ���Ѻ��ļ�ֵ�����ṩ����ټ�ֵ�൱�ĵ�����
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.
 
������ʮ������ѺȨ�����ڼ䣬��Ѻ�˿��Խ���Ѻ����衢���ڵ�Ѻ��Ϊ�����󣩳��⣻��Ѻ���ڴ���������Ϊǰ�����輰ʱ֪ͨ�����ˣ���������ΪӰ��ծȨ��ȫ����������ȨҪ���Ѻ�˽�ֹʵʩ������Ϊ��δ���ҷ�����ͬ�⣬�׷�����ת�á�����������Ѻ�
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).
 
������ʮ������ѺȨ�����ڼ䣬���ҷ�ͬ��ĵ�Ѻ��ת�����üۿӦ��ǰ�峥����ͬ���µ�ծ���תΪ���ڴ����Ѻ��
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.
 
������ʮ�ģ���Ѻ��Ӧ�������ҷ���Ҫ�����Ѻ�Ʋ��ȱ��ղ����ҷ�Ϊ�����ܳ��ˣ��Ҳ���Լ���κ������ҷ�Ȩ��������������Ӧ���ڽ�����ޣ��籾��ͬ���չ�ڣ���Ѻ��ͬ����������Ѻ���ӳ�Ͷ�������������յ����������������ҷ����ܡ����Ѻ�˾ܾ����������������ҷ����Դ����Ѻ��ֱ�Ӱ����������������������ɵ�Ѻ�˳е���
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.
 
������ʮ�壩��ѺȨ�����ڼ䣬��Ѻ�˲����жϻ��߳����������ա�
Within the period of mortgage, the mortgager shall not discontinue or
cancel the abovementioned insurance.
 
������ʮ������ѺȨ�����ڼ䣬��Ѻ�﷢�������¹ʣ������⳥��Ӧ��������ǰ�峥����ͬ���µ�ծ��
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.
 
������ʮ�ߣ��ҷ���׷��������ͬ�������������ڽ������ޡ����ʡ���Ϣ��ʽ�����ʽ������������ÿ�ڻ�����ֻҪ�����ص�Ѻ�˵����Σ��������õ�Ѻ��ͬ�⣬��Ѻ���Գе��������Ρ�
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.
 
����������Ѻ����Pledge Guarantee
������һ����������Ը������ͬ������“��Ѻ���嵥”�������Ķ���/Ȩ�������¼�������Ѻ���ҷ�����Ϊ�׷���������ͬ���½��ĵ�����
The pledger voluntarily pledges the movable assets/rights in Pledges List-Attachment B of this contract, and agrees to be restricted by this contract.
 
��������������ͬ����Ĺ���Ȩ��ͬ�⽫����ͬ���µ���������Ѻ����ͬ���ܱ���ͬԼ����
The co-owner of the pledges under this contract agrees on pledging and be restricted by this contract.
���ģ�������������֮һ���ҷ�������ʹ��Ȩ��
Party can exercise the pledge right in case one of following situations
happens:
 
����1���׷�ծ���������޽������ҷ�δ���峥��δ����ȫ�峥�ģ�
Party A fails to repay the due loan payable and/or other items payable based on this contract;
 
����2���ҷ����ݱ���ͬ��Լ������ǰ�ջؽ��ҷ�δ���峥��δ����ȫ�峥�ģ�
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�������ֵ���٣�������δ�����ҷ�Ҫ���ṩ�����ģ��ҷ�������ǰ��ʹ��Ȩ��
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.
 
�������壩�ҷ���ѡ�����з�ʽ֮һʵ����Ȩ��
Party B can select any one of the following ways to realize the pledge right:
 
����1���������Э���������ۼ��ܳ���Discount of pledges in agreement with pledger; 
����2�������ܳ���Auction of pledges; 
����3�������ܳ���Sale of pledges;
4�����������������ʽ��Other ways allowed by laws.
�����������׷����ҷ��������ͬ�������������ڽ������ޡ����ʡ���Ϣ��ʽ�����ʽ������������ÿ�ڻ�����ֻҪ�����س����˵����Σ��������ó�����ͬ�⣬�������ԶԱ���ͬ���µ�ծ��е��������Ρ�
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.
 
�������ߣ�������Ӧ���������ѺȨ��ƾ֤���ҷ����ܡ��׷���������ͬ���µ�ȫ��������Ϣ�����û�����˴��׷��峥��������ծȨ���ҷ�Ӧ�����P�����֤���ļ����������ˡ�
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.
 
����������֤���� Guarantee
��һ������ͬ�ı�֤��ʽΪ�������α�֤��
The guarantee form under this contract is joint liability assurance.
 
������������֤�˱�֤�����ķ�Χ��
����1������ͬ���µĽ�����Ϣ��������������Ϣ��
����2��ΥԼ���⳥�𡢲�����
����3��Ϊʵ��ծȨ����Ȩ��֧���ķ��ã���������������ΥԼ����������ʦ�ѣ���
������������֤�˱�֤���εı�֤�ڼ��Ա���ͬ��Ч֮����������ͬ����ծ���������޽���֮�������ꡣ
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.
 
���ģ��ڽ�����ڣ���֤�˷����������Ʋ�����������������ɢ���ʲ���ծ��ɥʧ�����ʸ�������ı��ʱ����֤��Ӧ��ʱ֪ͨ�ҷ����׷�Ӧ�ṩ�µĵ�����
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.
 
�����ھ�������Ȩ��������Article 9 Miscellaneous Rights and Obligations
����һ���׷���֤�ṩ���������ļ�����ʵ����Ч���Ϸ��ģ��������ҷ��ļල�ͼ�顣
 
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.
 
���������׷�Ӧ���ڻ���ʱӦ�ҷ�Ҫ�����ҷ��ṩ��ʵ��ӳ�׷�����״��������������ļ���֤����
 
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.
 
������������ͬ�����ڼ䣬�׷���λ��ס������ϵ��ʽ�ȷ����仯��Ӧ�ڱ仯������ʮ����֪ͨ�ҷ���
 
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.
 
�����ġ��׷�����Ų�ý��׷������ڹ�����˵�����ͬԼ������Ʒ�����Ӧ����ǰ�������ҷ����㣬������Ϊ�ı�����;Ų�����á�
 
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.
 
�����塢����ͬ�����ڼ䣬�����˷�������ܷ���Ӱ���䵣�������ı仯���׷�Ӧ���ڱ仯����������������֪ͨ�ҷ���Ӧ����ʮ�����ṩ�µġ������ҷ�Ҫ��ĵ������߲�ȡ�ҷ��ϿɵIJ��ȴ�ʩ��
 
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.
 
���������׷�Ӧ�������ҷ���Ҫ��Ͷ�����ղ����ҷ�Ϊ���յ������ܳ��ˡ�����ͬ�����ڼ䣬�׷������жϡ��������ա�
 
9.6 Party A shall be responsible for handling the attorney service, registry,
insurance, notarization, evaluation etc related to the contract and all expenses.
 
�����ߡ�����ͬ���µİ�����ʦ����ѡ����շѡ������ѡ���֤�ѵȷ��ð�����ع涨���ɼ���˫��Э�̳е���
 
 
 
������ʮ�� ΥԼ����Article 10 Default Liability
����һ�������������֮һ������ΥԼ��
 
10.1 Fault liability occurs in case any one of the following situations happens:
��һ���׷��ı�����;��Party A changes the purpose of the loan;
�����������׷�Υ������ͬԼ�������ڻ�δ��Լ���Ľ��黹��Ϣ��
 
Party A breaches the contract, failing to repay the funds on due date or failing to pay funds in full;
 
�����������׷��ṩ��֤�������ϵ��ļ�����١��Ƿ��������
 
The certificates and materials provided by Party A are fake or illegal;
 
�������ģ��׷�������������������������ʧ�١�ɥʧ������Ϊ�������޼̳��ˡ��������ˡ��Ʋ������ˡ��໤�˻�����̳��ˡ��������ˡ��Ʋ������ˡ��໤�˾ܾ����б���ͬ��
 
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;
 
�������壩��ͬ�����ڼ䣬��Ѻ�����Դ��ֵ�Ѻ����ߵ�Ѻ�˵���Ϊ����ʹ��Ѻ���ֵ���٣��ҷ�Ҫ��ָ�ԭ״���ṩ������ܾ���
 
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.
 
������������ͬ�����ڼ䣬�׷��жϡ������ҷ�Ҫ��Ͷ���ı��գ�
 
 
�������ߣ���֤���ṩ��ٲ��񱨸���߾ܾ��ҷ��������״�����мල����飻
 
The guarantor provides false financial report or refuses the check and supervision of Party B on his financial status.
 
�������ˣ���֤��Υ������ͬ��֤�����ɥʧ���������׷�δ���ṩ�����ҷ�Ҫ��ĵ�����
 
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.
 
�������ţ��׷��򵣱�����������Ӱ��黹�ҷ��������Ϊ��
 
Other actions from Party A or the guarantor that may influence repayment of loan to Party B.
 
������������ΥԼ���ʱ���ҷ���Ȩ��ȡ����һ�ֻ���ִ�ʩ��
 
10.2 In the event of default, Party B has the right to take any one or a few
measures below:
 
������һ�����й��������еĹ涨���շ�Ϣ�͸�����
 
Calculate the penalty interest rate and compound interest as regulations of the People’s Bank of China;
 
����������Ҫ��׷�������ǰ�������ֻ�ȫ�������ԺϷ����򴦷ֱ���ͬ���µĵ֡���Ѻ�����峥ȫ��������Ϣ����Ҫ��֤�����б�֤���Σ�
 
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;
 
����������������������Ĵ�ʩ��Other measures allowed by law.
 
��ʮһ�� ��֤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.
���κ�һ������Ա���ͬ���й�֤�����ɹ�֤���ؽ��й�֤����֤�����ɼ׷��е���
 
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 with jurisdiction,
applying for compulsory enforcement, and any charges due to that will be paid
by Party A. Party A shall agree on the compulsory execution by law unconditionally, and give up all and every right to defense.
���ծȨ��Ҫ�����ʹǿ��ִ��Ȩ�����й�֤���׷���ͬ���ҷ���֤��������Ը���Ϊ�Ĺ�֤������׷�δ�ܶԵ��ڵĽ�����Ϣ��������ط������Գ������ҷ��������й�ϽȨ������Ժ�ύ��֤�飬����ǿ��ִ�У���ط����ɼ׷��е����׷�Ӧ���շ������������ܸ�ǿ��ִ�в���������Ȩ����
��
 
������ʮ���� ���׵Ľ��Article 12 Dispute Settlement
����ͬ�����з������飬����Э�̽����Э�̲��ɣ�����ͬ���ȡ���µ�_________�ַ�ʽ�����
 
12.1 Should any disputes happen in the process of performing the contract, all
parties shall resolve them through consultations, if no settlement is reached; either of the parties may go to law in the local People‘s Court where Party B lives.
 
������ʮ���� ��ͬ��Ч����ֹArticle 13 Taking Effect and Termination of Contract
����ͬ�Լ׷�ǩ�֡��ҷ������˻���Ȩ������ǩ�ֲ��Ӹǹ���֮������Ч��������Ҫ�����ģ��������Ȩ��ƾ֤�����ҷ�ռ��֮������Ч����Ҫ�Ǽǵģ��԰��׵Ǽ�֮������Ч������ͬ���½�Ϣ����ط���ȫ���峥��Ϻ���ֹ��
 
13.1 The contract shall go into effect after signed by Party A and responsible
person or the authorized representative of Party B, and sealed with common seal and special seal for contract. And it will be terminated on the day that the whole loan principal from the Party B under the contract has been paid off, including the principal, interests and relevant expenses. In case the guaranty needs to be delivered, the guaranty shall become effective upon delivery of document of title; in case that guaranty needs to be registered, the guaranty shall become effective upon settlement of registration.
 
 
������ʮ���� ����Article 14 Supplementary Provisions
����һ���뱾��ͬ��ص��ļ��������������ڼ׷����ҷ��ύ���������ļ������ϡ�֤����ƾ֤�ȣ���Ϊ����ͬ����ɲ��֡�
 
14.1 Any documentation related to this contract, including but not limited to,
loan application documents, materials, certificates, etc. submitted to Party B
from Party A, shall be parts under this contract.
 
������������ͬ�������������ͬ��ʮ�����ھſ
 
 
 
������ʮ���� ����Լ��Article 15 Detailed Provisions
����һ������ͬ�����Ϊ�����_____________����д�� ��___________��Сд�� ��
 
15.1 The total amount of loan under this contract is: SAY ----RMB ONLY, that is to say, --RMB.
 
������������ͬ�������_____��15.2 The loan under this contact is used for study abroad.
��������ͬ���������Ϊ________‰��15.3 The monthly interest rate of loan under this contract is   ‰.
 
 
�����ġ�����ͬ�������________�£���_______��_______��_____������________��______��________��ֹ������������Ϊ_________�ڡ�
 
The term of loan under this contract is -----months, from---to ----. Total
repayment periods are ------times.
 
���塢�˻����ƣ�    �˺ţ�    ������
 
15.5 Name of account A:       Account number:
Account opening bank: China CITIC Bank
 
���������׷�ѡ��Ļ��ʽΪ_____________��ÿ�ڻ�����Ϊ_____________���׷����ҷ����������˻����˻�һ���ƣ�_____________���˺ţ�_____________���˻������ƣ�_____________���˺ţ�______________��
15.6 The interest calculation type chosen by Party A is calculation by day.
Interest is settled by month, the loan principal and interest will be repaid by the
below way: interest will be paid off by month, principal will be repaid on due day,
monthly paid interest is -----RMB, the repayment day is-----of each month.
Party A shall open a repayment account at Party B, with name account A:----account
number:--------and name account B: __
__, account number:
___________________
The overdue penalty interest rate shall be overcharging 50% based on the interest rate stipulated in this contract, and penalty interest rate for misappropriate use shall be overcharging 100% based on the interest rate stipulated in this contract.
 
�����ߡ�ΥԼ��Ϊ_____��Penalty: this contract shall be free of penalty.
 
�����ˡ�����ͬ���ĵ�����ʽΪ__________��
The guarantee type for the loan of this contract shall be house property
mortgage.
 
�����š�����ͬһʽ_____�ݣ��ס��ҷ���________�ݡ�
This contract shall be made in quadruplicate, having the same legal effect,
each for Party A, Party B, Real Estate Bureau and Party B.
 
��ʮ���� ����Լ������Article 16 Other provisions
�������ͬ��Ӣ�İ汾�����ο��������Ӣ�İ汾�б�����壬������Ϊ����Ϊ׼��
��The English version of this loan contract is for reference only. If there is any
inconsistency between the Chinese and English versions of this contract, the
Chinese version shall prevail for all purposes.
 
 
�׷���ǩ�֣���Party A (signature):
 
�ҷ������£���Party B (common seal/ special contract seal):
�ҷ������ˣ�ǩ�֣���Responsible or authorized representative of Party B(signature):
 
��Ѻ�ˣ�ǩ�֣���Mortgager (signature):
 
�����ˣ�ǩ�֣���Pledger (signature):
 
��֤�ˣ����£���Guarantor (seal):
��֤�˷��������ˣ�ǩ�֣���
Responsible or authorized representative of Guarantor (seal):
 
______��______��_____��    Date:
 
 
������ͬ����һ��Attachment A
��Ѻ���嵥Guaranty List under Mortgage
 
������Ѻ���ݣ�Mortgaged house:
������Ѻ��_____���֤�����Ƽ�����Mortgager ID name and No.
�����绰_____��Ѻ���ַMobile No. Address of mortgaged house
�����������_____ԭֵ_____����ֵBuilding area Original value Assessed value
�������ݲ�Ȩ֤���Code No.of property ownership certificate
������λ�� __________ƽ����Unit: m2,
������Ѻ�ˣ�ǩ�֣���Mortgager (signature):
����Ȩ�ˣ�ǩ�֣���Co-owner (signature):
�����ҷ������£���Party B (common seal/special contract seal):
 
�ҷ������ˣ�ǩ�֣���
Responsible or authorized representative of Party B(signature):
����_______��________��_______��Date:
 
 
��ͬ��������Attachment B
�����嵥Guaranty List under Pledge
������λ�� ____________ԪUnit: RMB Yuan
����������Pledger  �绰Tel. No.
���֤������ID name   ����ID number
 
��������Name of pledge ������ֵValue of pledge
���������ˣ�ǩ�֣���Pledger (signature):
��������Ȩ�ˣ�ǩ�֣���Co-owner (signature):
 
�����ҷ������£���Party B (common seal/special contract seal):
�ҷ������˻���Ȩ�����ˣ�ǩ�֣���
Responsible or authorized representative of Party B (signature):
 
��_______��______��_______��  Date:


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