浦发银行个人抵押贷款合同--英文

No.:SPDBankPersonalGuaranteeLoanContractContractversionNo.:SPDB201203SPDBankPersonalGuaranteeLoanContractPersonalGuaranteeLoanContractSpecialNotes:ThemainbodyofthepresentcontractismadeupofContractTermsandConditionsaswellasSummarySheetofElementsoftheContractTermsandConditions.TheContractTermsandConditionsneedsnottobefilledin,andallofitsitemstobefilledinareindicatedwithspecificcodes;theSummarySheetofElementsoftheContractTermsandConditionsisattachedtothePart2ofthiscontractbycentralizedprintingorfillinginalltheinformationwhichneedstobefilledin.TheborrowerandtheLoanerhaveconfirmedthatallthecontentsoftheSummarySheetofElementsoftheContractTermsandConditionsarecorrect,andalsoacknowledgedthatthecontractelementswhichneedtobefilledintheContractTermsandConditionsaresubjecttothecontentsoftheSummarySheetofElementsoftheContractTermsandConditions.AllthecontentsoftheSummarySheetofElementsoftheContractTermsandConditionscorrespondone-to-onewiththespecificcodesoftheitemstobefilledoutintheContractTermsandConditions,andconstitutesanintegralpartwiththeContractTermsandConditions.Theborrower:IDcertificatetypeandNo.:Thelender(theMortgagee/thepledgee):ShanghaiPudongDevelopmentBankCo.,Ltd.BranchThemortgager(name/designationofnaturalpersonorlegalperson):IDcertificatetypeandNo.:Thepledger(name/designationofnaturalpersonorlegalperson):IDcertificatetypeandNo.:Theguarantor(name/designationofnaturalpersonorlegalperson):IDcertificatetypeandNo.:Whereas:TheborrowerappliestothelenderforRMBpersonalloan,inaccordancewiththerelevantlaws,rulesandregulationsofthePeople'sRepublicofChina,uponconsensusthroughconsultationamongtheparties,thepresentcontractisherebyenteredintoformutualobservance.Meanwhile,theborrower,theguarantorandthelenderherebyconfirmthat(checkwitha√markanduncheckwitha×markaccordingtotheconditions):□ThepresentcontractservesasanancillarybusinessdocumentofthePersonalComprehensiveCreditGrantingContractunderthenumberofsignedbytheborrowerandthelender.□Thepresentcontractisanindependentbusinessdocumentsignedbytheborrower,theguarantorandthelender.Part1ContractTermsandConditionsArticle1LoanAmountandPurpose1.1TheloantypeofthepresentcontractisS1.1A(personalcarloan/personalconsumptionloan/personalbusinessloan/personalcreditloan/others:S1.1A),theloanamountisRMBS1.1BYuan(inwords:RMBS1.1CYuan),anditisusedforS1.1Donlyandshallnotbeappropriated.Thelenderhastherighttomonitortheuseofloans.Article2LoanTerm,InterestRateandMethodforInterestCalculation2.1Theloanterm(andthedebtperformanceperiod)underthepresentcontractisS2.1A(“year(s)andmonth(s)”),anditsstartdateisexpectedfromthedateS2.1B(fromMMDDYYtoMMDDYY).Theactualloanstartdateissubjecttothedaterecordedontheloanreceipt.2.2Thevaluedateoftheloanunderthepresentcontractisthedateofloanrelease.Themethodforinterestcalculationisasfollows:theloaninterestwillbecalculatedonadaily,monthlyandyearlybasis.Thecalculationmethodsoffull-year,full-monthandfull-dayshallbeadoptedforloaninterest.Iffull-year,full-monthandfull-daycannotbereached,thelastdayattheendofendisthefull-day.Iftheloanperiodcomestothecompletionofyear,theinterestshallbecalculatedasperannualinterestrate;iftheloanperiodcomestothecompletionofmonth,theinterestshallbecalculatedaspermonthlyinterestrate;iftheloanperiodcoversfullyear(month)andremnantdays,theinterestofthepartoffullyear(month)shallbecalculatedasperyearly(monthly)interestrate,andtheinterestoftheremnantdaysshallbecalculatedaccordingtotheactualnumberofdays.Theformulaofcomputationisasfollows:Forthefullyearandfullmonth:Interest=principal×period(thenumberofyear(s)ormonth(s))×yearlyormonthlyinterestrate;Forthefullyear(month)andremnantday(s):Interest=principal×[period(thenumberofyear(s)ormonth(s))×yearlyormonthlyinterestrate+thenumberofremnantday(s)×dailyinterestrate]2.3Exceptotherwisespecifiedbythebothparties,thedateofsettlementoftheloaninterestunderthepresentcontractistherepaymentdateforeachperiodagreedinthepresentcontract.2.4Theloaninterestrateunderthepresentcontractcanadoptthefloatinginterestrate,fixedinterestrateorquasi-fixedinterestrate,andactuallyadoptsthemethod:S2.4A;□FloatinginterestrateItshallbeexecutedaccordingtothebenchmarkloaninterestrateandfloatingrangepublishedbythePeople'sBankofChinainthecorrespondingperiod.TheloaninterestrateunderthepresentcontractisS2.4A–1–1(“□above□below%”)onthebasisofthebenchmarkloaninterestratepublishedbythePeople'sBankofChinainthecorrespondingperiod.IfthePeople'sBankofChinaadjuststhebenchmarkloaninterestratewithintheloanperiod,then,sincethetimethatthecontractloaninterestagreedinthepresentcontractisadjusted,thenewcontractloaninterestratewillbeexecutedafterthefloatingaccordingtotheabovesaidfloatingproportiononthebasisofthenewloanbenchmarkinterestrate.ThebenchmarkloaninterestrateofthePeople'sBankofChinainthecorrespondingperiodwhilesigningthepresentcontractis:S2.4A–1–2(“%(annualinterestrate)”).TheexecutedinterestrateisdeterminedaccordingtothebenchmarkloaninterestrateontheactualdateofloanreleaseregulatedbythePeople'sBankofChinainthecorrespondingperiodaswellasthefloatingproportionu