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1、中英文翻译模板 Individual Mortgage Loan Contract for Purchasing Commercial Housing Agricultural Bank of China*GF Zi No.*XX 年*Guarantor:HUANG Wenya(sealed)In accordance with relevant state laws and rules,the contract is made after negotiations between the both parties.Loan items Article 1.Loan money:The deb
2、itor provides loan to the creditor to purchase the residential house.The contracted loaning amount:Article 2.Loan purpose:To purchase the housing locate The contract number of the debtor:Article 3.Loan period Article 4.Loan interests 1.by the Bank of China.In the event that the Bank of China adjusts
3、 the interest rate of the loan,from Jan.1 the next year,the debtor performs the interest payment according to the new loans confirmed by the floating scope between the adjusted standard interest and the lending rate agreed in the contract.It will not notify the debtor,the guarantor and the mortgager
4、 again.2.If the borrower doesn t refund the loan in accordance withthe contract,from the overdue time,the lender has the right to call for additional money as penalty until the corpus and interests are paid off.Following the measure will be complied with.day 3.The creditor has the right to call for
5、percent raising money as penalty at the basis of the annual interest rate stipulated in the contract.In the event that the Bank of China adjusts the interest rate of the loan,the loan rate under the contract shall comply with the relevant regulation from the day of adjusting rate.4.If the borrower d
6、oes not use the money according to the purpose stipulated in the contract,the lender has the right to call for percent raising money as penalty at the basis of the annual interest rate stipulated in the contract.In the event that the Bank of China adjusts the interest rate of the loan,the loan rate
7、under the contract shall comply with the relevant regulation from the day of adjusting rate.Article 5.Under the circumstances that the following conditions are not achieved,the lender has the right not to provide the loan stipulated in the contract.1.The borrower shall offer relevant documents,mater
8、ials and credence in accordance with the requirements of the lender.And the borrower shall handle the relevant procedures.2.The purchasing money of the first period and the money related to thecontract have been paid off.3.If the contract has a guarantor and the procedures of relevant registration a
9、nd/or insurance have been settled in accordance with the requirements of the borrower,this guarantee keeps effective.4.The borrower,the guarantor and the mortgager dont make any disadvantageous matters which will affect the safety of loan.Article 6.Transferring methods:The borrower opens an account
10、in the lender bsank.The account name is The opening bank is card number is measure.1.The debtor irrevocably accredits the lender to transfer the money to the above settle account,then transfer to the house seller),to pay the money agreed in the contract of purchasing house.2.The borrower irrevocably
11、 accredits the lender to transfer the money to)(Account number),Article 7 Loan payment 1.The borrower pays the principal and interest of the load under this of If there is not the day of borrowing,the payment day is the last day of every month.The borrower(1)Equal capital and interest payment.(2)Equ
12、al capital descending payment.(3)Other methods of payments2.If picking up the equal capital and interest payment,the borrower shall pay Article 8 Prepayment 1.If Borrower needs to refund in advance,it shall note Lender one month before refund day and the notice is irrevocable upon delivery.On the pr
13、econdition that the borrower promises to refund the money agreed in following item 2 due to breach of contract and the premises that the borrower abides by the prescription of prepayment,the lender may agree prepayment.2.If the borrower has prepayment days after the real day of loan lender in advanc
14、e.Article 9 Change of payment time If the borrower wants to change the payment time,he shall submit a written application to the lender 30days in advance.After the approval of the guarantor and the mortgager,the borrower can sign the agreement of the changing of the limit time and handle relevant in
15、surances and guarantee procedures.Article 10 Transfer of creditors rights and debt The borrower can transfer the rights and interests to the third party without the permission of the lender,guarantor and the mortgager.Article 11 Borrower sdeclaration and guarantee Article 12 Between the time of sign
16、ing and the time of distributing money,if the borrower and the house seller have disputes about the rights and quality of thehouse,or it occurs some matters that may cause the borrower incapable of paying money,the lender has the right to terminate the contract.Guaranty of the Loan Article 13 Premis
17、es Guarantee The scope of mortgage is principal and interest of loan punished interest and the cost of real claims.Article 14 Mortgage Guarantee 1.The mortgager voluntarily mortgager the following belongings The above guaranty is an integral part of the contract.moment.3.The scope of mortgage includ
18、e the capital,the interest,the fine,compound interest,the money of breach of the contract,the compensation for damage of loan and all the fees that realize the creditor rigshts.4.The declaration and guarantee of the mortgager 5.The efficacy of mortgage rights 6.The control and management of the guar
19、anty 7.The insurance of the mortgage 8.The registration of the mortgage 9.The realization of the mortgage rights The duties of breach of the contract Article 15 Duties of the debtor When the Mortgager fails to pay the principal,interest and relevant expenses in full amount on time or fails to wholly
20、 perform its states or warranties under the contract,it will constitute a breach of contract.The mortgager shall pay the money of breach of the contract according to thequantity and the delaying days.Article 16 Duties of the creditor,the guarantor and the mortgager When the Mortgager fails to pay or
21、 fails to use the loan,the lender has the right to call for fines and compound interest according to the contract.Article 17 If the borrower gets the creditor s rights through the lawsuit and arbitration caused by the lender s breach of the contract,the lender bears the lawsuit,lawyer and outgoing f
22、ees expended by the borrower.Other items Article 18.Where the dispute fails to reach agreement between the buyer and the seller,there is not any effect on the promise,guarantee,obligation and duties of the lender,guarantor,and the mortgager.Article 19.If the Contract is related to two borrowing memb
23、ers,they together bear the duties to discharge all the debt.Article 20.Fees charging Article 21.Dispute settlement When there is dispute during the time of the fulfillment of the contract,it can be measure.1.Lawsuit,accepted by the court where the borrower is.2.Arbitrary.Article 22 Other agreement A
24、rticle 23 Coming into effect estate administration,one is for the notarization department.Article 25 Clues The borrower has asked the creditor,guarantor and the mortgager to make a full and correct understanding of all the items in the contract.Debtor:HUANG Wenya(signature)Name of certificate:ID Car
25、d ID No.120XX 年*-*XX 年 2 Address:Room 402,Floor 2,Building 6,Yixinyuan Development Zone Code:*Telephone:*(signature)Legal representative:Name of certificate:ID No.Address:Code:Telephone:Legal representative:Name of certificate:ID card ID No.120XX 年*-*XX 年 2 Address:Room 402,Floor 2,Building 6,Yixiny
26、uan Development Zone Code:*Telephone:*(signature)The charger/the representative:Tianjin Jinbin Branch of Agriculture Bank of China(sealed)Telephone:(signature)Legal representative:Name of certificate:ID No.Address:Code:Telephone:(signature)Legal representative:Name of certificate:ID No.Address:Code:Telephone:Signing date:Jan.17,20XX 年 Signing site:Agricultural Bank of China,Tianjin Jinbin Branch List of Mortgages Mortgager:HUANG Wenya Mortgagee:Agricultural Bank of China,Tianjin Jinbin Branch