完整版抵押合同和贷款合同英文版Word格式.docx
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完整版抵押合同和贷款合同英文版Word格式.docx
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LegalRepresentative
ZhiWANG
Address
No.1,Floor1,Building10,No.87MoxiangRoad,CreativeIndustryBusinessArea,JinjiangDistrict,ChengduCity
Tel./Fax
Contact
ContactNo.
Mortgager(PartyB)
MinLI
Address/Residence
No.13,Unit1,Building6,No.2WestQingyangRoad,JinniuDistrict,ChengduCity
ID.No.
510102************
Co-Mortgager(PartyB)
ToensuretheperformanceoftheLoanContract(No.ofcontract:
J.K.J.2015—095,hereinafterreferredtoasthemaincontract)signedbyMinLI(borrower)andPartyAonAugust13,2015,PartyBiswillingtousethepropertyownedordisposableaccordingtolawsasmortgage;
Throughverification,PartyAagreestoacceptthepropertymortgageofPartyB;
Accordingtorelevantlawsandregulations,basedonmutualnegotiations,PartyAandPartyBmakeagreementinthefollowingarticles:
Article1CollateralofPartyB
PartyBusesthepropertyintheListofCollateral(appendix)formortgage.PartyBguaranteesitsownershiporrightofdisposalaccordingtolaws.
Article2MethodofMortgageGuarantee
1.Whenthedebtstipulatedinthemaincontractisdue,theguaranteeresponsibilityoftheloanprovidedbyPartyAtoPartyByetnotrepaidbyPartyBisascertainedaccordingtothescopeofmortgageguaranteeinArticle3ofthiscontract;
beforethedebtstipulatedinthemaincontractisdue,ifPartyAconductsrecourseontheborrowerinadvanceaccordingtothemaincontract,PartyBshallalsotaketheguaranteeresponsibilitywiththecollateral.
2.IfPartyAandPartyB(orborrower)makewrittenagreementofextendingdurationonthedebtduration,interestrate,amountandetc.stipulatedinthemaincontract,orPartyAmakesanadjustmentintheinterestrateaccordingtothemaincontractduringthedebtdurationstipulatedinthemaincontract,itisnotnecessarytogetconsentfromPartyBortoinformPartyBandPartyBagreestoall,thenthemortgageguaranteeresponsibilityundertakenbyPartyBshallnotbeaffected.
Article3ScopeofMortgageGuarantee
Thescopeofmortgageguaranteeincludestheentireprincipalstipulatedinthemaincontract,interest,overdueinterest,penaltyinterest,compoundinterest,defaultfine,compensationforloss,allchargestoenforcethemortgagerightandrealizethecreditor’srights(includingbutnotlimitedtolegalcosts,arbitrationfees,costsofpreservation,announcementfees,assessmentfees,appraisalcharges,auctioncosts,travelexpenses,communicationexpenses,counselfeesandetc.)andallotherpayableexpensesofthedebtorinthemaincontract.
Article4CustodyofOwnershipCertificateandRegistrationoftheCollateral
PartyBshalldeliverownershipcertificateofthecollateraltoPartyAonthedateofcontractsigning,andbothpartiesagreethatwithin2daysafterthecontractissigned,PartyBshallunconditionallyassistPartyBwithrelevantmortgageregistrationprocedures.OwnershipcertificateofthecollateralshallbeinthecustodyofPartyAduringmortgageperiod.
Article5Whenthereareothermortgageguarantee,pledgeguaranteeorguaranteesinthecreditor’srightsofPartyA,ifPartyAgivesuporremovesothermortgageguaranteeandpledgeguaranteeordismissesguaranteeresponsibilityofguarantees,PartyBshallstilltakemortgageguaranteeresponsibilityregardingPartyAaccordingtoarticlesstipulatedinthismortgagecontract.
IfPartyAsuspendsgrantingtheloanthathasnotbeengrantedorcollectsgrantedloaninadvancebasedonthearticlesinthemaincontract,theguaranteeresponsibilityundertakenbyPartyBaccordingtothiscontractshallnotbeaffected.
Article6CostBearing
Relevantcostsstipulatedinthiscontractsuchasassessmentfees,insurancepremium,appraisalcharges,registrationfees,custodychargesandetc.
Article7CustodyoftheCollateral
1.Duringthemortgageperiod,thecollateralshallbeincustodyofPartyBortheentrustedagentofPartyB;
PartyBandtheentrustedagentofPartyBshallmaintainpropercustodyofthecollateralandhavetheobligationofrepair,maintenanceandkeepingitintactandshallaccepttheinspectionofPartyAatanytime.
Themortgageperiodreferstotheperiodfromthedaythiscontractcomesintoeffecttotheexpirationdayofstatuteoflimitationsofcreditor’srightsstipulatedintheLoanContract.
2.Duringthemortgageperiod,PartyBshallnottakeanyactionsthatwillreducethevalueofthecollateral;
ifsuchactionsoccur,PartyAhastherighttodemandPartyBtostopandrecoverthevalueofthecollateral,ortoprovidenewcollateralacceptedbyPartyAwithin2daysafterPartyAinformsPartyB.CostsresultedfromtherecoveryofthecollateralofprovidingnewcollateralshallbeundertakenbyPartyB.
3.PartyBshallpurchasepropertyinsuranceforthecollateralduringthemortgageperiod,andthefirstbeneficiaryofthepropertyinsuranceshallbePartyA.InsurancedocumentsshallbeincustodyofPartyA.Duringthemortgageperiod,iflosseswithintheinsurancescopeofthecollateraloccurorthevalueofthecollateralisreducedbecauseoftheactionsofthethirdparty,insurancecompensationorcompensationforlossesshallbeusedtoliquidatethedebtstipulatedinthemaincontractinadvanceorshallbedepositedbyPartyBintheaccountappointedbyPartyA,andPartyBshallnotuseduringthemortgageperiod.
Article8Duringthemortgageperiod,ifthecollateralcausesenvironmentalpollutionorotherdamages,PartyAaloneshalltaketheresponsibility.
Article9Duringthemortgageperiod,withoutwrittenconsentfromPartyA,PartyBshallnotgiveaway,remove,rent,transfer,remortgageordisposeinotherwaysthecollateralstipulatedinthiscontract.
Article10Duringthemortgageperiod,withwrittenconsentfromPartyA,paymentreceivedfromthetransferofthecollateralbyPartyBshallbeusedtoliquidatethemortgagedcreditor’srightsofPartyAinadvance.
Article11Intheexpirationofthetimelimitofthemaincontract,iftheborrowercannotliquidatethedebt,PartyBhastherighttodiscountthecollateralortakepriorityincompensationwiththepaymentfromtheauctionorsellingoffofthecollateral.
Article12PartyAhastherighttorealizethemortgagerightthroughdisposalofthecollateralinadvance,suspendthegrantofloanstipulatedinthemaincontractorcollecttheprincipalandinterestofthegrantedloanstipulatedinthemaincontractinadvancewhenoneofthefollowingcircumstancesoccur:
1.Therearedefaultsofthearticlesoragreementstipulatedinthemaincontractmadebytheborrower;
2.ThereareviolationsofintheagreedresponsibilitystipulatedinArticle4,Article7,Article8,Article9andArticle10ofthiscontractorotheractionsofdefault;
orPartyBfailstofulfillresposibilitiesstipulatedinthiscontract.
3.WhenPartyBisalegalpersonorotherorganizations,situationsthatwillaffectitsabilitytoliquidatedebtsorlackofgoodfaithindebtliquidationoccursuchassuspensionofbusiness,suspensionorannulmentofbusinesslicense,applicationorbeingappliedforbankruptcy,dissolutionandetc.
4.WhenPartyBisanaturalperson,deathwithoutheirsordeviseesoccurs;
5.WhenPartyBisanaturalperson,heirsordeviseesofPartyBgiveuptheinheritanceorbequestandrefusetofulfilltheobligationofrepayingloanprincipalandinterest;
6.Othereventsthatwillendangertherealizationofcreditor’srightsofPartyAstipulatedinthemaincontract.
Article13ResponsibilityforBreachofContract
1.IfPartyBviolatesArticle7ofthecontractthroughreductioninthevalueofthecollateralresultingfromthecarelessnessintherepairandmanagementofthecollateral,oractionsofPartyBdirectlyendangerthecollateralandresultinthereductioninthevalueofthecollateral,PartyAhastherighttodemandPartBtoimmediatelystoptheviolatingactionstowardsthemortgagerightofPartyA,todemandPartyBtoprovideothercollateralacceptedbyPartyA,andtodisposethecollateralinadvance.
2.IfPartyBviolatesArticle9ofthecontractandarbitrarilydisposesthecollateral,theactionisnotvalid;
PartyAhastherighttodemandPartBtoimmediatelystoptheviolatingactionstowardsthemortgagerightofPartyA,todemandPartyBtoprovideothercollateralacceptedbyPartyA;
3.IfPartyBconcealsthefactthatthecollateralisinvolvedinco-ownership,disputes,seal-up,impoundment,rent,existingmortgage,legalpriorityrightwithlowermortgageright(includingbutnotlimitedtopriorityrightofconstructionprojectpayment)ornoownershipordisposalrightofPartyBandetc.,PartyAhastherighttodemandPartyBtoprovideothercollateral/pledgepropertyacceptedbyPartyA;
4.Whenanyoftheabovecircumstancesviolatingthecontractoccurs,ifPartyBfailstoprovideothercollateralaccordingtotherequirementsofPartyA,PartyBshallpayPartyBadefaultfineamountingto20%oftheloanprincipalstipulatedinthemaincontract.IfeconomiclossesarecausedtoPartyA,PartyBshallcompensatePartyAforalltheeconomiclosses.
Article14PaymentfromExerciseoftheMortgageRightbyPartyAShallbeAssignedinPriorityoftheFollowingOrder:
1.Paymentofchargesrelatedtotheexerciseofthemortgageright;
2.LiquidationofinterestpayablebytheborrowertoPartyA;
3.Liquidationofloanprincipal,defaultfine(includingpenaltyinterest),compensationandetc.payab
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