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1、借款人:Borrower:贷款人：Len der:抵押人：Mortgagor:保证人：Surety :出质人：Pledgeor:为明确各方权利和义务，根据合同法、贷款通则和其他有关法律、法规，订立本合同。This Con tract is made in line with the Con tract Law of the Peoples Republic of Chi na andThe Gen eral Provisi ons of Loa ns of the Peoples Bank of China to specify the rights andobligati ons of pa
2、rties in volved.借贷条款Loa n Borrow ing Clause第一条 借款金额。见36.1Article 1. Amou nt of loa n: Refer to 36.1第二条借款用途。见36.2Article 2. Purpose of loa n: Refer to 36.2第三条借款期限。Article 3. Life of loa n3 . 1 见 36 . 3。3.1 Refer to 36.33 . 2借据或贷款凭证是本合同不可分割的组成部分。借款的实际放款日和还款日以借款人、贷款人双方办理的借据或凭证上所记载的日期为准。除日期外，借据或凭证其他记载事项
3、如与本合同不一致的，以本合同为准。3.2 A certificate of in debted ness or a loa n voucher is an in tegral part of this Con tract. The date of adva nee and payme nt due date shall follow the date specified on the certificate of in debted ness or loa n voucher . Where there is any incon siste ncy betwee n the stipulati
4、 ons on the certificate of in debted ness or loa n voucher and the Terms and Con diti ons on this Con tract except date, the latter shall prevail.第四条 借款划付。在借款人办妥借款手续后5个营业日内将全部款项划至借款人指定的账户，划付次数、时间、金额见36 . 4。第五条 Article 4 Transferring of loan. The full amount of loan shall be transferred to an Acco un
5、t desig nated by the Borrower within 5 worki ng days from the date of complet ing borrowi ng procedure. Refer to 36.4 for the freque ncy, time and amount of tran sferri ng第五条借款利率和计息。Article 5. In terest rate of loa n and calculati on5 . 1借款利率。本合同项下借款利率根据国家有关规定，确定利率见一36 . 5。遇利率调整时，借款期限在1年（含）以下的，执行合同利
6、率，不分段计息；借款期限在1年以上的， 实行分段计息，从利率调整的次年1月1日开始，按相应利率的档次执行新的利率；如借贷款人将按国家规定对借款款人未按约定时间归还借款本息或未按合同约定用途使用借款,人计收罚息，罚息率见 36 . 6。5.1 In terest rate of loa n: The in terest rate un der this Con tract is specified in 36.5 in line with releva nt rules. In case of cha nge of in terest rate, the in terest rate stipu
7、lated in the Con tract shall prevail for loa ns with a life of less tha n or equal to one year; For loa ns with a life exceedi ng one year, the in terest shall be calculated on a multi-stage basis, i.e. Fromn ext Jan. 1st follow ing the adjustme nt of in terest rate, the new rate shall prevail. In c
8、ase the Borrower fails to repay the prin cipal and in terest before the due date, or fails to use the loan for purposes as agreed in this Con tract, the len der shall be en titled to collect default in terest in line with releva nt rules. The default in terest rate is specified in 36.6.5 . 2遇利率调整时，实
9、行分段计息的，贷款人有权根据国家有关规定自行调整，不另行通 知借款人。5.2 In case of calculat ing in terest on multi-stage basis due to adjustme nt of in terest rate, the len der shall be en titled to adjust the in terest rate on his own without further no tice to the Borrower.第六条还款方式。Article 6 Type of Repayme nt of Loa n6. 1借款人应在贷款人
10、开设帐户，户名和帐号见36 . 7 ,并保证在每次还款日前足额存入当期应还款项的存款。借款人在此授权贷款人从借款人该帐户中扣收借款本金、利息和可能（含律师费和诉讼费）。如发生的复利、罚息、违约金、保费、损害赔偿金及实现债权的费用该帐户资产不足以归还到期的贷款本息，贷款人有权从借款人在中国工商银行任何分支机构开立的任何帐户划收。6.1 The Borrower should open an account with the Lender( The account name and account number are specified in 36.7.) and promise to depo
11、sit sufficient money for repayme nt before each due date. The Borrower hereby authorizes the Len der to collect , ifany, compo und in terest, default in terest, liquidated damage, premium, compe nsatio n and expe nses aris ing from the realizati on of creditor right (i ncludi ng lawyer fee and court
12、 expe nse)i n additi on to due prin cipal and in terest of loa n. In case the asset in this Acco unt is not eno ugh for repayme nt of due prin cipal and in terest, the Len der shall be en titled to collect from any Acco unt ope ned by the Borrower with any branch of ICBC.6 . 2贷款人与借款人双方商定，自贷款发放次月起，借款
13、人按月归还贷款本息(一次性还本付息除外)，还款期数及还款方式见 36 . 8。6.2 The Borrower shall repay the principal and interest on a monthly basis (Except repay ing prin cipal and in terest in a lump sum) from the sec ond month follow ing the issu ingof loa n , as agreed betwee n the Borrower and Len der. The repayme nt tenors and
14、type are specified in 36.8.6. 3借款期间遇利率调整，如执行本合同5 . 1条实行分段计息的，对借款期限在1年以上的，应从利率调整的次年 1月1日开始根据未偿还借款余额和剩余还款期数进行调整，重新计算还款金额。6.3 In case of multi-stage calculati on of in terest as specified in 5.1 due to adjustme nt ofin terest rate duri ng the life of loa n, the repayme nt amount for loa ns with a life
15、exceed ingone year shall be recalculated on the basis of balanee of unpaid loan and the rest of repayme nt tenor from next Jan. 1st follow ing the adjustme nt of in terest rate.6 .4借款人提前归还贷款须经贷款人书面同意，提前归还部分的利息仍按本合同约定的利率和该部分实际使用天数计算。6.4 Repayme nt of the loa n ahead of schedule by the Borrower shall
16、be subject to writte nconsent from the Lender. The interest of prepaid amount should be calculated on the basis of rate specified in this Con tract and actual days.第七条 担保方式。本合同的担保人及担保方式见36 . 9。具体约定由本合同中相应的担保条款确足。Article 7Guara ntytype. TheGuara ntorand guara ntytypeun derthisCon tractisspecified in 36.9. The specific stipu
