贷款合同英文版

中信银行个人贷款合同（中英文）CHINACITICBANKPersonalLoanContractCodeNo:借款人（以下简称甲方）：Borrower(hereinaftercalledPartyA):身份证件名称及号码：IDnameandcodeNo:IDcardNumber住所：Addressoflivingplace:联系电话：Postcode:邮编：Contactnumber:贷款人（以下简称乙方）：Lender(hereinaftercalledPartyB):住所：Addressoflivingplace:联系电话：Postcode:邮编：Contactnumber:抵押人：Mortgager:身份证件名称及号码：IDnameandcodeNo:IDcardNumber住所：Addressoflivingplace:联系电话：Postcode:邮编：Contactnumber:出质人：Pledger:身份证件名称及号码：IDnameandcodeNo:IDcardNumber住所：Addressoflivingplace:联系电话：Postcode:邮编：Contactnumber:保证人：Guarantor:身份证件名称及号码：IDnameandcodeNo:IDcardNumber住所：Addressoflivingplace:联系电话：Postcode:邮编：Contactnumber: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。AccordingtotherelevantlawsandregulationsoftheContractLawsandGuaranteeLawofthePeople’sRepublicofChina,PartyA,PartyBandtherelevantGuarantor,afterreachingagreementthroughnegotiationsontheloantoPartyBbyPartyA,herebyenterintothiscontract.第一条借款金额Article1AmountofLoan详见本合同第十四条第一款。1.1TheamountofloanisreferredtoArticle14.1underthiscontract.第二条借款用途Article2PurposeofLoan详见本合同第十四条第二款。2.1PurposeofloanforthiscontractisreferredtoArticle15.2.第三条借款利率Article3InterestofLoan一、借款利率详见本合同第十四条第三款。3.1InterestofloanisreferredtoArticle14.3.Theinterestiscalculatedfromthedayreleasingloan.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款利率调整情况进行公告，不再另行书面通知甲方。3.2Duringthetermofthisloancontract,interestmaybechangedasprescribedbythePeople’sBankofChina,PartyBisentitledtoadjustandimplementtheinterestratewithoutfurthernoticetoPartyA.第四条借款期限及还款总期数Article4LifeofLoanandTotalLoanRepaymentTerms一、借款期限详见本合同第十四条第四款。4.1LifeofloanandtotalloanrepaymenttermsarereferredtoArticle14.4.二、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。4.2Intheeventthattheactualfundsreleasedateisindisagreementwiththedatestipulatedunderthiscontract,thelifeofloanshallbecalculatedbasedontheactualdayoffundsreleasing.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Article5ReleaseofFundsundertheLoan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。5.1PartyBwillreleasethefundsunderconditionthatPartyAhasprovidedevidencescomplyingwithrequirementsofPartyB,andhascompletedtheloanapplyingandguaranteeingprocedures,andhassignedthelegaldocumentswithcheckandapprovalofPartyB.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。5.2Afterfundsreleaseisapproved,PartyAwillgrantPartyBtotransfertheloanintotheaccountdesignatedbyPartyAandapprovedbyPartyB(accountnameandaccountNo.aregivenunderArticle14.5).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。5.3Afterreleasingoftheloan,anydisputesundertheuseoffundsunderthisloanbyPartyAhasnorelationshipwithPartyB,andthecontractwillstillbefulfilled.第六条借款偿还Article6RepaymentoftheLoan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：6.1PartyA,basedonrelevantregulationsofPartyB,shallselectwaysofinterestcalculation,interestsettlementandloanprincipalrepaymentunderArticle14.6.二、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。6.2ThePartyAshallpayofftheprincipal,interestandotheritemsinfullpriortothestipulatedduerepaymentdayunderthiscontract(detailsunderArticle15.6),bydepositingoneofanyrepaymentaccountopenedbyPartyB(accountnameandaccountNo.aregiveninArticle14.6),andirrevocablyauthorizesPartyBtodrawthefundsreceivabledirectlyfromtheaccountaboveontheduerepaymentday.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。6.3IncasePartyAbreachesthecontract,failingtorepaythefundsonduedateorfailingtopayfundsinfull,PartyBhastherighttochargehigherinterestrateonoverdueloansasprescribedbythePeople??sBankofChina(penaltyinterestrateonoverdueloanisstipulatedunderArticle15.6).IncasethatPartyAfailstousethefundsfortheagreedpurposedunderthiscontract,PartyBhastherighttochargepenaltyinterestrateonoverdueloansasprescribedbythePeople’sBankofChina(penaltyinterestrateonmisappropriationofloanisstipulatedunderArticle15.6).Foroverdueloanorloanofmisappropriateuse,PartyBshallcalculatetheinterestratebasedonpenaltyinterestratefromthedayofoverdueloanormisappropriateuseofloantilltheprincipalandinterestarepaidoff.IfPartyAfailstopayofftheinterestonduedate,PartyBshallcalculatecompoundinterestbasedonpenaltyinterestrate.第七条提前还款Article7RepaymentinAdvance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。7.1IfPartyAisabletopayofftheloanaheadoftime,itshallsubmittoPartyBtheirrevocableloanrepaymentapplicationandrepaymentplan.AftercheckingandconfirmingthatPartyAhasnodelayofloanprincipalandinterestandhaspaidoffthecurrentinterest,PartyBwillapprovaltherepaymentaheadapplication,thenPartyAcanrepaytheloaninadvance.Theinterestrepayablebeforerepayment-in-advancedayshallnotbeadjusted.第八条借款担保Article8GuaranteeofLoan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。8.1Theeffectivenessofguaranteetermsunderthiscontractisindependentofthiscontract.TheguaranteetypefortheloanisspecifiedinArticle15.