个人授信及担保条款英文版.docx
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个人授信及担保条款英文版.docx
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个人授信及担保条款英文版
CreditApplicant______ No. ____
TABLEOFCONTENTS
PleaseNote 告知
ArticleISpecialTermsSigned 第一条 专用条款
ArticleⅡTermsofCredit 第二条 信贷条款
Article Ⅲ TermsofMortgage 第三条 抵押条款
Article Ⅳ TermsofWarranty 第四条 担保条款
ArticleⅤOtherTermsandConditions 第五条 其他条款和条件
PleaseNote 告知
Inordertosafeguardyourinterest,pleasecarefullyreadthefollowingmattersbeforeenteringintothisagreement,
1.Youhavealreadyhavelegalgeneralknowledgeofapplyingloanandguaranteefromthebank;
2.Youhavereadalltermsofthisagreement,andyouunderstandtheirmeanings,andChinaMerchantsBankhasalsomadeonthetermsofthisagreementtoyourfullypromptanddescription.
3.Youhavemadesureallinformationanddocumentsprovidedarereal,legitimate,andefficient.
4.Youhaveconfirmedthatyouareentitledtosigntheagreement,andtheagreementissignedpersonallybyyou;
5.Youhaveascertainedanyconductoffraud,breachofcontracthavetobearthecorrespondinglegalresponsibility;
6.Youwillbebasedonhonestyandcreditprinciples,voluntarilyenterintoandperforminaccordancewiththeagreement;
7.Pleaseusethepen,writingbrushorsignpenneatlyfilloutthecontentneededyou tofillin;
8.Inordertoimprovetheefficiencyofhandlingtheloan,youarerequiredtosignthisagreementbeforethebankloanapproval,thefinalconclusionsofloanandguaranteesubjecttobankapproval;
9.Ifyouhaveanyquestionsaboutthisagreement,youcanconsultthelocalChinaMerchantsBankpersonalloanhandlingdepartment.
ArticleISpecialTermsSigned 第一条 专用条款
I.CovenantPerson
III.CreditPeriod
Creditperiodis120months,itstartfromJune22nd,2010toJune22nd,2020.thecreditapplicantshallapplyforcreditfromthecreditgiverduringthecreditperiod,andthecreditgiverwillnotacceptanyapplicationmadebycreditreceiverthatisoverthecreditperiod.
Ⅳ.PenaltyInterestandCompoundInterest
4.1Creditapplicantfailstousetheloanaccordingtothespecificagreedpurposeofuseontheagreement,tothedefaultusingpart,thecreditgivershallhavetherighttoaddadaily100%extracollectingpenaltyrateontopofthespecificexecutioncontractinterestratelevel,untiltheloanprincipalandinterestrepaidup.
4.2Creditapplicantfailstorepaytheloaninfullaccordingtothespecifictermsoftheagreement,totheunpaidloanprincipal,thecreditgivershallhavetherighttoaddadaily50%extracollectingpenaltyrateontopofthespecificexecutioncontractinterestratelevel,untiltheloanprincipalandinterestrepaidup.Totheinterestfailuretopayontime,adailycompoundinterestwillbechargedbypenaltyrate.
Ⅴ.Loanofferingunderthecreditlimit
Aftercreditapplicanthasdonethecreditandloanformalitiesfollowthecreditgiver’srelevantrules,creditgivershalldeposittheloanintothecreditapplicant’sfirstsettlementaccount.Thecreditapplicantagreesthecreditgiverdeposittheloanaccordingtohisauthorizationintootherdesignatedaccountofthecreditapplicant.
Ⅵ.Loanpaymentunderthecreditlimit
6.1Thecreditapplicantauthorizesthecreditgiverdirectlydeductloanprincipalandinterestfromthefirstsettlementaccount:
andthesecondsettlementaccount:
___.SpecificseubjecttotheborrowingIOU.
6.2Thecreditgivercharge_____tothecreditapplicantforearlyrepaymentpenalty.
Ⅶ.LoanCollateral(Canmakecollateralformseparatelyastheattachmentoftheagreement)
7.1NameandLocation:
____
7.2ConstructionArea:
7.3PurchasingPrice:
/
7.4ValuationPrice:
x
7.5OwnershipandNumber:
____
Ⅷ.Guaranteeperiodisbelow(inwords)typeof_Second_:
First,fromthedateofsigningthisagreementtothematuritydateofeachloanplustwoyears,anyofthespecificloanextension,theguaranteeperiodextendtoafterexpiryoftheextendedloanperiodplustwoyears.
Second,fromthedateofsigningthisagreementuntilthedatecreditapplicantcompletedtheformalmortgageregistrationwiththecollateralrealestatecertificate,andhandintherealestatecertificateandthecertificateofotherrightstothecreditgiver’scustody.
Third,fromthedateofsigningthisagreementuntil____.
Ⅸ.DisputeResolution
Thedisputeoccursduringperformanceoftheagreement,bothpartiesshallresolvebyconsultation.Iftheconsultationfails,belowFirsttype(inwords)canbechosentosolvethedispute(choseonefromthetwo):
First,filealawsuittopeople’scourtwherecreditgiverlocated;or
Second,applyforattributionto____arbitrationcommittee.
Ⅹ.Supplementaryprovisionsoftheagreementareasfollows:
Ⅺ.ThisagreementcomesintoFourcopies,theyallhavethesamelegaleffective.Thecreditgiver,creditapplicantand propertyrightdepartment,notary eachkeepsonecopy.
ArticleⅡTermsofCredit 第二条 信贷条款
12.UsageofCreditLimit
12.1Circulationcreditlimitisrefertothemaximumlimitofthesumofprincipalbalanceofalltypesofpersonalloansandcreditthatthecreditgiverprovidestothecreditapplicantaccordingtothisagreementduringthecreditperiod;One-timecreditlimitisrefertothecreditprincipalaccumulatedamountthatthecreditgiverprovidestothecreditapplicantaccordingtothisagreementduringthecreditperiod,cannotexceedthecreditlimit,non-recyclable,andfinishuntilaccumulatedamountexhaustion.
12.2Foreachloanunderthecreditlimit,bothpartiesshallcomeintospecificloancontract,loanapplicationwhichsubmittedbycreditapplicantandconfirmedbycreditgiver,borrowingIOUand/orothercertificate(hereafterreferredtoas“thespecificcontract”)tobeagreed.
12.3Duringthecreditperiod,thecirculationcreditlimitcanbeusedbycreditapplicantinaperiodicduty,andone-timecreditlimitcannotbeusedinaperiodicduty.Thecreditapplicantmustapplyindividually,andthecreditlimitbecomesavailableaftercreditgiverapprovesandacceptscasebycase.
12.4Thecreditgiverhastherightstoreassesscreditapplicant’spersonalcredit,repaymentability,propertystatus,valueofthemortgageproperty,andguarantor’sguaranteeability.Andentitletoadjustthecreditapplicant’screditlimit.
12.5Foreachloanunderthecreditlimit,theloantermshallbedeterminedbasedonthecreditapplicant’sfinancialneedsandrelevantprovisionsofthecreditgiver.Underthecreditlimitthespecificbusinessmaturitydate(includinganextendedmaturitydate)canlaterthancreditperiodmaturitydate.
12.6Foreachloanunderthecreditlimitbothpartiesshallconsultanddeterminetheloanamount,term,interestrate,interestadjustmentmethod,usage,loanpaymentmethodandetc.,andshallbeagreedinthespecificcontract.
12.7Duringthecreditperiod,if12consecutivemonthsunderacreditnotissuingaloan,thecreditgiverhastherighttoterminatethecreditlimit,nolongeracceptcreditapplicant’sapplicationforaloan.
13.InterestRateofLoanunderCreditLimit
13.1InterestRateConversion
Underthisagreement,theinterestrateiscalculatedasfollow:
monthlyinterestrate=annualinterestrate÷360.
13.2InterestRateAdjustmentMethod
Duringthecreditperiod,incaseofpeople’sbankofChinaadjustmentofloaninterest,theexecutiveinterestrateshavethefollowingadjustmentmethod:
13.2.1TheSecondPhaseAdjustment:
itrefers,incurrentperiodoftheinterestadjustment,theexecutiverateusingtheinterestratebeforeadjustment,fromnextperiodstartsusingtheinterestratesstandardafteradjustment.
13.2.2Fixeddayadjustment:
referstofromJanuary1stofeachyear,beginstheimplementationofthelatestinterestratesstandardissuedbypeople’sbankofChina,fromJanuary1stsegmentedcalculateinterestratebyday.
13.2.3ImmediatelyAdjust.Referstostartusingthenewinterestratesstandardonthedatewheninterestrateschanged,beforeandafterinterestrateadjustmentsegmentedcalculateinterestratebyday.
13.2.4NoChange.Referstowheninterestratechangedcontinuallyusingthecontractinterestratestandardofeachspecificcontract(onlyappliestotheloantermsnotlongerthanoneyear).
13.3Duringtheeffectiveperiodofthisagreement,incaseaccordingthepeople’sbankofChina’sadjustmentofcalculationstandardofinterestrate,interestrateadjustmentmethod,interest,penaltyinterest,andcompoundinterest,thecreditgivermakingchangestotheaboveelements,thecreditgiverdoesnotneedtoadditionallyinformthecreditapplicant,mortgagorandguarantee.Duringtheeffectiveperiodofthisagreement,thecreditgiverandcreditapplicantmakechangesonloanamount,interestrate,loanterm,andrepaymentmethod,itdoesnotneedtoadditionalnoticetothemortgagorandguarantee,themortgagorandtheguaranteeisstillinaccordancewiththisagreement,undertaketheguarantyresponsibilityofthecreditapplicant’sdebt.Incasethemortgageeandtheborrowerunderconsultationreducethetermsofloanagreement,loaninterestexecutionisstillbasedonthisagreement.
14.RepaymentMethodundertheCreditLimit
Underthecreditlimit,eachloanandinterestcanberepaidbythefollowingways,repaymentmethodappliedbythecreditapplicant,andconfirmedaftercreditgiver’sexamineandapproval.
14.1RepaymentMethod
14.1.1Sameamountrepayment:
thatisthecreditapplicantequalmonthlydebtservice,monthlyprincipalandinterestshouldberepaidcalculatedbythefollowingformula:
14.1.2Sameamountmatchingtheprincipal:
thatisthecreditapplicantequalmonthlysameamountmatchingtheprincipa
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