[中文]中国银行股份有限公司
个人贷款合同
编号:
借款人:
身份证件号码:
住址:
电话:
贷款人:中国银行股份有限公司
负责人:
住所地:
电话:
借款人、贷款人根据有关法律、法规,在平等,自愿,诚信的基础上,经协商一致达成如下协议:
第一条 贷款金额及期限
1.本合同项下贷款金额为:人民币(大写)(小写)
2.本合同项下贷款期限为:24个月,自贷款人实际放款日起算;若为分期放款,则自第一个实际放款日起算。
第二条 贷款用途
本合同项下的贷款用途为:出国留学
未经贷款人书面同意,借款人不得改变借款用途。借款人不得将贷款用于无指定用途的个人支出,不得用于任何法律法规,监管规定,国家政策禁止银行贷款投入的项目、用途,如股票,证券投资,房地产开发投资等。
第二条 贷款利率与计结息
1. 本合同项下贷款利率为:
固定利率,贷款利率为实际放款日(若为分笔放款,则从第一个实际放款日)中国人民银行公布的相应档次的贷款基准利率,贷寺期限内合同利率不变。
浮动利率,浮动周期为12个月,限从贷款人实际放款日(若为分笔放云消雾散,则从第一个实际放款日)起每12个月重新定价一次,重新定价日为实际放款日在重新定价当月对应日,当月没有对应日的,则当月最后一日为利率重新定价日。
第一个浮动周期内,按实际放款日适用的中国人民银行公布的相应档次的贷款基准利率上浮30%执行。
每满一个浮动周期后,以重新定价日适用的中国人民银行公布的相应档次的贷款基准利率上浮30%作为下一个浮动周期的适用利率。
2. 计息
按贷款人适用的计息方式计算利息。
3. 结息和付息
按月结息和付息,以实际放款日的对应日为结息日和付息日,当月没有对应日的,则当用最后一日为结息日和付息日。
按月结息和付息,每月的1日为结息日和付息日。
若贷款的最后一期到期日不在结息日和付息日,则该贷款的最后一期到期日为结息日和付息日。
4. 罚息
(1) 若借款人未按约定期限还款,就逾期部分,从逾期之日起按照逾期贷款罚息利率按日计收利息,直至清偿本息为止。
逾期贷款罚息利率为本合同约定的贷款利率水平上加收50%
(2) 若借款人未按约定用途使用贷款,就挪用部分,从挪用之日起按照挪用贷款罚息利率按日计收利息,直至清偿本息为止。
挪用贷款罚息利率为本合同约定的贷款利率水平上加收100%。
(3) 同一笔贷款即逾期又挪用的,按照挪用贷款罚息利率计收利息。
(4) 按罚息利率计收利息的,计息公式为:利息=(本金+应付未付利息)*实际天数*日罚息利率。
第三条 贷款发放的条件
贷款人向借款人发放贷款以满足下列条件为前提:
1. 本合同已生效。
2. 相应的担保合同已生效,担保已有效设定;
3. 借款人已向贷款人提供贷款人认可的借款用途证明文件,以及贷款人要求的其他凭证,证明和资料等。
4. 借款人已经按贷款人要求开立履行本合同所必需的账户。
5. 截至贷款发放日,本合同项下贷款仍符合法律,法规,监管规定及相关政策规定的借款人资格,首付款比例及其他贷款发放条件
6. 如申请提款日期超过审批日期三个月,借款人须提供最新的身份证明和收入证明
7. 采用受托支付方式的,借款人应提供拟将贷款转入交易对手账户信息的《贷款资金账授权书》。
8. 如借款人需要贷款人分期向交易对手划转款项的,借款人还应提交付款进度表
9. 贷款人要求提供其他条件:
上述条件未满足,贷款人有权拒绝向借款人发放贷款,但贷款人同意放款的除外。
第四条 贷款的发放
贷款人在同意借款人提款申请后,按以下方式发放贷款
贷款人受托支付:借款人同意并授权贷款人将贷款划入借款人指定的交易对手账户:
开户行:
户名:
账号:
借款人自主支付:贷款人将贷款划入借款人下述个人银行结算账户,由借款人自主支付给符合本合同约定用途的借款人交易对手
开户行:
户名:
账号:
借款人应定期向贷款人报告或告知贷款资金支付情况,具体报告时间为
第六条 还款
1. 本合同项下贷款按以下方式偿还(备注说明:作选择性填写,不适用条款需删除)
按月等额本息还款
按月等额本金还款
按月/季还息,到期一次还本。
其他:
2. 按月/季偿还贷款的,借款人应自发放贷款后第二个月开始按月/季还款,还款期共计 期。按季还款的,每季度 月的 日为还款日;按季还款的,每月的1日为还款日,如提款日与还款日不对应,首期,末期还款金额按实际天数计算。
3. 为及时偿还贷款本息,借款人应在贷款人处开立账户,户名:账号: 作为本合同项下贷款的指定还款账户。若借款人指定还款账户发生变更,应在最近一个约定还款日之前7日书面通知贷款人。由于借寺款人未及时告知贷款人造成的后果,由借款人承担。
借款人保证在每期还款日前一日存入当期足额还本付付息的款项,并在此授权贷款人于还款日从该账户中直接扣收应还贷款本息。本账户币种与还款币种不同,按扣收时贷款人适用的结售汇牌价汇率折算。
第七条 提前还款
1. 借款人符合以下条件的,可以申请提前还款
借款人已正常还款满6期
每次提前还款金额不少于 元
其它
2. 借款人应提前30个工作日向贷款人提出书面申请,经双方协商同意后予以办理。对于提前还款部分,除计收正常利息外,贷款人有权按还款日相应同档次贷款利率1个月利息标准计收补偿金。
3. 提前还款申请一经贷款人确认即不可撤销。借款人提前还款须到贷款人指定的营业网点办理提前还款手续。如提前还款计收补偿金,借款人应在提前还款时一并向贷款人支付。
第八条 担保
本合同项下的全部债务采用以下担保方式担保。
由 提供全程质押担保,并签署相应的质押合同。
若借款人或担保人发生贷款人认为可能影响其履约能力的事件,或担保合同变为无效,被撤销或解除,或借款人,担保人经济状况恶化或涉入重大诉讼或仲裁案件,或因其他原因而可能影响其履约能力,或担保人在担保合同或与贷款人之间的其他合同项下发生违约,或担保物贬值、毁损、灭失,被查款,致使担保价值减弱或丧失时,贷款人有权要示,且借款人有义务提供新的担保,更换保证人等,以担保本合同项下债务。
第九条 公证(备注说明:作选择性填写,不适用条款需删除)
本合同是否需要办理公证:否
若依本合同的约定借款人为本合同办理公证的,本合同签度后/个工作日内,借款人应和贷款人到公证机关办理强制执行公证,借款人不履行或者不适当履行还款义务的,贷款人可以依法向有管辖权的人民法院申请强制执行,借款人愿意接受强制执行。
第十条 附件
下列附件及经双方共同确认的其它附件构成本合同不可分割的组成部分,具有与本同相同的法律效力。
附件一:个人贷款合同通用条款(双方确认:各方当事人在本合同上的签字或盖章即视为对本通用条款的确认,无需另行在本通用条款上签字或盖章)。
第十一条 争议解决
凡因履行本合同而产生的一切争议,纠纷,双方应通过协商解决,在协商不成时,双方同意采用以下方式解决。
依法向贷款人所在地人民法院起诉。
在争议解决期间,若该争议不影响本合同其他条款的履行,则该其他条款就继续履行
第十二条 其他
1. 借款人补充声明与承诺如下
借款期限:自年月日至年月日
2. 双方均需严格执行国家法律、法规、监管规定及相应政策要求,本合同签订后,如贷款人因国家法律,法规,监管规定及相关政策变化而无法按约定发放贷款或履行本合同其他内容的,不构成违约。如需借款人配合完成相关合同变更的,借款人应在贷款人指定的合理期限内予以配合。
3. 费用:
双方协商同意,除依法另行确定或双方另有约定处,因本合同订立,履行及争议解决发生的下述费用由借款承担,律师费用,催收短信费用,资产评估及处置费用,鉴定费用,公告费用等。
4. 其他约定
第十三条 合同生效
本合同自借款人签字,贷款人的负责人或其授权签字人签署并加盖公章之日起生效。
本合同一式叁份,双方及房管处告执壹份,具有同等法律效力。
借款人声明:本合同内容经与本人协商并经贷款人充分告知,说明。本人已理解并同意本合同的全部内容。
借款人:
贷款人:中国银行股份有限公司
有权签字人:
[/中文] [外文]BANK OF CHINA LIMITED
Personal Loan Contract
Code No:
Borrower:
ID card Number:
Residence: Postal Code:318000
Tel:
Lender:
Person-in-Charge:
Residence: Postal Code:318000
Tel:
The Borrower and the Lender come to the following agreements through negotiations on the basis of equality, voluntariness and integrity in accordance with the stipulations of relevant laws and regulations:
Article I Amount and Term of Loan
1.1 The amount of loan under the Contract: RMB Five hundred and forty thousand (in Words) Yuan . (540,000 YUAN in number)
2. The life of loan under the Contract is 24 months, commencing from the date to release the loan, If by installment, commencing from the date to release the loan in the first installment.
Article II Purpose of Loan
Purpose of Loan under the Contract is for studying abroad.
The Borrower shall not alter the purpose of the loan without the consent from the lender in writing. The Borrower shall not use the loan for Non-earmarked spending, or use it on projects or purposes on which the investment of bank loan is banned by relevant laws, regulations, rules and policies, including but not limited to capital stocks, security investment and real estate investment.
Article III Interest of Loan and Calculations
1. Interest of loan under this Contract is:
■Floating interest rate. The floating period shall be __12_ months: The interest rate shall be readjusted every __12__months from the date of actual releasing (in case of releasing by installments, from the date of first releasing). The readjustment date shall be corresponding date of actual releasing in the readjustment month. If there is no corresponding date in the readjustment month, the readjustment date shall be the last day of the readjustment month.
In the first floating period, The interest rate shall be _30% higher than the corresponding benchmark interest rate of loan issued by the People’s Bank of China applicable for the date of actual releasing
Upon expiration of each floating period, the interest rate for next floating period shall be _30% higher than the corresponding benchmark interest rate of loan issued by the People’s Bank of China applicable for the date of readjustment.
2. Calculation
To calculate the interest in the way applicable to this Lender.
3. Interest Settlement and Payment
The interest shall be settled and paid monthly. The first day of each month is the date of interest settlement and payment.
If the due date of the final installment of loan does not coincide with the date of interest settlement and payment, the due date shall be the date of interest settlement and payment
4. Penalty Interest
(1) If the Borrower fails to repay the loan within the agreed time limit, the interests on the overdue loan shall be charged daily at the penalty interest rate, from the overdue day until the overdue loan plus interests thereof are paid off.
The penalty interest rate for overdue loan shall be the loan interest rate as agreed in this Contract plus __50_% thereof.
(2) If the Borrower misappropriates the loan for any purpose other than that as agreed, the interests on the misappropriated loan shall be charged at the penalty interest rate for misappropriated loan, from the misappropriation date until the day when the misappropriated loan principal and its interests thereof are paid off.
The penalty interest rate for misappropriated loan shall be the loan interest rate as agreed in this Contract plus _100% thereof.
(3) For any loan that becomes overdue and is also misappropriated, the interests thereon shall be charged at the penalty interest rate for misappropriated loan.
(4) The interests on penalty rate shall be calculated in the following equation: Interest=(principal +overdue interest) × actual days × daily penalty rate
Article IV. Conditions for Releasing of Loan
The granting of loan to the borrower by the lender is subject to the following conditions:
1. This Contract and its Appendixes have come into force;
2. Relevant guaranty contract has come into force and the guaranty has been effectively set up.
3. The Borrower has submitted to the Lender the approved loan purpose certificates and other supporting documents, proofs and data as required by the lender.
4. The Borrower has opened an account for performance of this Contract as required by the Lender; <
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