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1、中信银行个人贷款合同中英文版2015-01-06 09:14 来源：纠错 | 打印 | 收藏 | 大 | 中 | 小 分享到：借款人（以下简称甲方）Borrower （hereinafter called Party A）身份证件名称及号码：ID name and code No： ID card Number住所：Address of living place：联系电话：Post code： 邮编：Contact number：贷款人（以下简称乙方）Lender （hereinafter called Party B）住所：Address of living place：联系电话：Post
2、code： 邮编：Contact number：抵押人：Mortgager：身份证件名称及号码：ID name and code No： ID card Number住所：Address of living place：联系电话：Post code： 邮编：Contact number：出质人：Pledger：身份证件名称及号码：ID name and code No： ID card Number住所：Address of living place：联系电话：Post code： 邮编：Contact number：保证人：Guarantor：身份证件名称及号码：ID name and co
3、de No： ID card Number住所：Address of living place：联系电话：Post code： 邮编：Contact number：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。According to the relevant laws and regulations of the Contract Laws andGuarantee Law of the Peoples Republic of China， Party A， Party B and therelevant Guarantor，
4、after reaching agreement through negotiations on the loan to Party B by Party A， hereby enter into this contract.第一条 借款金额 Article 1 Amount of Loan详见本合同第十四条第一款。1.1 The amount of loan is referred to Article 14.1 under this contract.第二条 借款用途 Article 2 Purpose of Loan详见本合同第十四条第二款。2.1 Purpose of loan for
5、 this contract is referred to Article 15.2.第三条 借款利率 Article 3 Interest of Loan一、借款利率详见本合同第十四条第三款。3.1 Interest of loan is referred to Article 14.3. The interest is calculated from the day releasing loan.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。3.2 During the term of thi
6、s loan contract， interest may be changed as prescribed by the Peoples Bank of China， Party B is entitled to adjust and implement the interest rate without further notice to Party A.第四条 借款期限及还款总期数Article 4 Life of Loan and Total Loan Repayment Terms一、 借款期限详见本合同第十四条第四款。4.1 Life of loan and total loan
7、repayment terms are referred to Article 14.4.二、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。4.2 In the event that the actual funds release date is in disagreement with thedate stipulated under this contract， the life of loan shall be calculated based onthe actual day of funds releasing.三、甲、乙双方约定甲方按期还款，确定还款
8、总期数，详见本合同第十四条第四款。第五条 借款发放 Article 5 Release of Funds under the Loan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。5.1 Party B will release the funds under condition that Party A has providedevidences complying with requirements of Party B， and has completed the loan applying an
9、d guaranteeing procedures， and has signed the legal documents with check and approval of Party B.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。5.2 After funds release is approved， Party A will grant Party B to transfer the loan into the account designated by Party A and a
10、pproved by Party B （account name and account No. are given under Article 14.5）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。5.3 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.第六条
11、 借款偿还 Article 6 Repayment of the Loan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：6.1 Party A， based on relevant regulations of Party B， shall select ways of interest calculation， interest settlement and loan principal repayment under Article 14.6.二、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
12、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。6.2 The Party A shall pay off the principal， interest and other items in full priorto the stipulated due repayment day under this contract （details under Article15.6）， by depositing one of any repayment account opened by
13、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.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
14、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。6.3 In case Party A breaches the contract， failing to repay the funds on duedate or failing to pay funds in full， Party B has the right to charge higher interestrate on overdue loans as prescribed by the People？s Bank of China（penalty interest rate on overdue
15、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 Peoples Bank of China （penalty interest rate on misappropriation of loan is stip
16、ulated 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.第七条 提前还款 Article 7 Repayment in Advance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
