中信银行个人借款合同英文翻译.docx
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中信银行个人借款合同英文翻译.docx
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中信银行个人借款合同英文翻译
CodeNo.:
741
ChinaCITICBank
PersonalLoanContract
(Versionof2021)
CHINACITICBANKCORPORATION
CHINACITICBANKCHENGDUBRANCH
Borrower(hereinafterreferredtoas“PartyA”):
________________________________
IDdocumentnameandNo.:
_________________________
Address:
_________________________________________________________________________
PostCode:
ContactNo.:
______________________________________
Lender(hereinafterreferredtoas“PartyB”):
________________
Address:
________________________________
Legalrepresentative/responsible:
______________________________________________
PostCode:
ContactNo.:
__________________________
Mortgager:
___________________________________________________
IDdocumentandNo.:
_______________________________
Address:
_________________________________________________________________________
PostCode:
ContactNo.:
______________________________________
Accordingtotherelevantlawsandregulationsofthe
Article1AmountofLoan
TheamountofloanisreferredtoArticleunderthiscontract.
Article2PurposeofLoanandPayee(scope)
PurposeofloanforthiscontractisreferredtoArticle.Duringthetermofloan,PartyApromisestheloanunderthiscontractshallnotflowintostockmarket,futuresmarket,bespentonequityinvestmentorprojectsthatareforbiddenbylawsandregulationsofothercountriestooperate,orPartyAshalltakeonanylossbroughttoPartyB.
Thepayeeforthiscontract(scope)isreferredtoArticle.
Article3InterestofLoan
InterestofloanisreferredtoArticle.
Duringthetermofthisloancontract,interestmaybechangedasprescribedbythePeople’sBankofChina,theadjustmethodofloaninterestrateisreferredtoArticle.
Article4TermofLoan
ThetermofloanisreferredtoArticle.
Article5ReleaseandPaymentoftheLoan
ExceptoneormoreofthefollowingconditionsareexemptedbyPartyB,otherwise,thepreconditionsforPartyBtoissuetheloanisallthefollowingconditionsaremet:
5.1.1PartyAprovidestheLoanApplicationandCertificatesrequiredbyPartyB;
5.1.2PartyAfulfillstheapplicationproceduresofloanandguaranteerequiredbyPartyB;
5.1.3PartyAsignsrequiredlegaldocumentsofloanapplication,withcheckandapprovalofPartyB;
5.1.4PartyAfulfillsandsignstheotherproceduresandrelevantdocumentsrequiredbyloanreleasingofPartyB,withcheckandapprovalofPartyB.
PartyBshallreleasethefundstotheaccountdesignatedbyPartyA(theaccountdesignatedbyPartyAisthepayee’saccountrecordedinPersonalLoanCertificate(duebill)underthiscontract).ThereleasingofloanfromtheaccountofPartyBisregardedasthecompletionoftheloanobligationofPartyB.Thedateofloanreleasingistheactualloandisbursementdate,PartyBshallcalculatetheinterestratefromthedate.
LoanfundshouldbepaidinstrictaccordancewiththeappointmentstipulatedinArticleunderthiscontract.PartyAisnotallowedtochangethemodeandarrangementofpayment.
TheloanfundshouldbepaidbythemethodofentrustedpaymentofPartyB.IfPartyAappliesforself-paymentinparticularcases,itshallneedtheverificationandapprovalofPartyB.Thespecificappointmentofthepaymentmethodisasfollows:
EntrustedPaymentofPartyB
PartyAshouldapplyforpaymentwhileusingtheloan,filltheappendixthree:
PaymentAuthorization/Application(Suitablefortheconditionofbankentrustedpayment).
PartyBverifieswhethertherelevanttransactiondocumentsandcertificatesprovidedbyPartyAareinconformitywiththecontractbeforethepaymentofloanfund.WiththeverificationandapprovalofPartyB,accordingtothepaymententrustmentofPartyA,PartyBshalldelivertheloanfundthatPartyAappliestopaytotheaccountofPartyA’stradingobjectlistedbyPartyAinPaymentauthorization/application(Suitablefortheconditionofbankentrustedpayment).
Self-PaymentMethodbyPartyA
UponapplicationbyPartyA,PartyBshallagreetoadoptself-paymentmethodisinvolvedinoneofthefollowingsituations:
(1)PartyAcannotconfirmdetailedtransactionobjectinadvanceandtheamountislessthanRMBthreehundredthousandyuan;
(2)ThetransactionobjectofPartyBcannotvalidusenon-cashmethodforsettlement;
(3)LoanfundusedforproductionandoperationandamountislessthanRMBfivehundredthousandyuan;
(4)Othersituationregulatedbylawandregulation.
Ifself-paymentmethodisadopted,PartyAshallfillappendixfour:
Article 6 Repayment of the Loan Party A, based on relevant regulations of Party B, shall select ways of loan repayment under Article . The Party A shall pay off the principal, interest and other items in full prior to the stipulated due repayment day under this contract (details under Article , by depositing one of any repayment account opened by Party B (account name and account No. are given in Article , and irrevocably authorizes Party B to draw the funds receivable directly from the account above on the due repayment day. In case Party A breaches the contract, failing to repay the funds on due date or failing to pay funds in full, Party B has the right to charge higher interest rate on overdue loans as prescribed by the People’s Bank of China(penalty interest rate on overdue loan is stipulated under Article . 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 People’s Bank of China (penalty interest rate on misappropriation of loan is stipulated under Article . 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. Party A and Party B agree to follow the principle of “repaying interest before the principal”, and Party B shall deduct the funds repaid by Party A in a sequence of “overdue interest(including penalty interest and compound interest)-overdue principal–current interest - current principal”. If the fund in the repayment account of Party A is not enough to pay due funds payable under this contract, party B shall have the right to decide the repayment order of expense, interest (including penalty interest and compound interest) and principle, party B shall also have the right to draw the due funds payable from the repayment account above at any time.
Article7RepaymentinAdvance
IfPartyAisabletopayofftheloanaheadoftime,itshallsubmittoPartyBtheirrevocableloanrepaymentapplicationandrepaymentplan.AftercheckingandconfirmingthatPartyAhasnodelayofloanprincipalandinterestandhaspaidoffthecurrentinterest,PartyBwillapprovetherepaymentaheadapplication,thenPartyAcanrepaytheloaninadvance.Theinterestrepayablebeforerepayment-in-advancedayshallnotbeadjusted.
Forrepaymentinadvance,PartyBcanchargepenaltytoPartyAunderRefertoTermofthiscontractfordetails.
WithPartyB’sagreement,PartyAexecutesaccordingtotheconventionofrepaymentinadvanceifPartyAautomaticallyrepayinadvance.RefertoTermofthiscontractfordetails.
Article8GuaranteeofLoan
TheguaranteetypefortheloanisspecifiedinArticle.
ScopeofGuarantee
Theprincipalofloan,interest(includingcompoundinterest),penaltyinterestunderthiscontract;
8.2.2Penalty,compensation,reimbursement;
Expensesarisingfromrealizationofliabilityandguaranteeright(including,butnotlimitedtoattorneys'fees,assessmentfee,auctionfee,lawsuitfee,all-riskfee,travelexpenseetc.).
MortgageGuarantee
Themortgagervoluntarilymortgagestheproperty(Guarantyforshortintheafterwardcontents)inGuarantyList-theAttachmentAofthiscontract,andagreestoberestrictedbythiscontract.
Theco-ownerofthemortgagedpropertyunderthiscontractagreestomortgagethepropertyandberestrictedbythiscontract.
Themortgagershallcompletetheregistrationofmortgagedpropertybasedonlawsandregulations.Themortgagershalltakeonthefeesforthemortgagedproperty.ThemortgagershallprovidetothePartyBtheevidencedocumentsandrelevantmaterialsofownershipoftheguaranty,andtheoriginalofMortgageRegistrationCertificateshallbekeptbyPartyB.
8.3.4PartyBcanexercisethemortgagerightincaseoneoffollowingsituationshappens:
(1)PartyAfailstorepaythedueloanpayableand/orotheritemspayablebasedonthiscontract;
(2)Partybreachesthecontract,partyBclaimstotakebacktheloaninadvance,andPartyBfailstobepaidoffornotfullypaidoff;
(3)Themortgagerbreachesthecontractbydisposingtheguaranty,orimplementsactionenoughtodecreasethevalueofguaranty,andPartyBisrefusedofrestoringtheguarantytooriginalvalueorprovidingguarantee,PartyBcanexercisethemortgagerightinadvance.
8.3.5PartyBcanselectanyoneofthefollowingwaystorealizethemortgageright:
(1)Discountofmortgageinagreementwithmortgager;
(2)Auctionofguaranty;
(3)Sale
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