個人消費貸款借款擔保合同範本

借款人：Borrower

貸款人：Lender

抵押人：Mortgagor

保證人：Surety

出質人：Pledgeor

為明確各方權利和義務，根據《合同法》、《貸款通則》和其他有關法律、法規，訂立本合同。

This Contract is made in line with the Contract Law of the People's Republic of China and The General Provisions of Loans of the People's Bank of China to specify the rights and obligations of parties involved.

借 貸 條 款Loan Borrowing Clause

第一條 借款金額。見36.1

Article 1. Amount of loan: Refer to 36.1

第二條 借款用途。見36.2

Article 2. Purpose of loan: Refer to 36.2

第三條 借款期限。Article 3. Life of loan

3.1見36.3。3.1 Refer to 36.3

3.2借據或貸款憑證是本合同不可分割的組成部分。借款的實際放款日和還款日以借款人、貸款人雙方辦理的借據或憑證上所記載的日期為準。除日期外，借據或憑證其他記載事項如與本合同不一致的，以本合同為準。

3.2 A certificate of indebtedness or a loan voucher is an integral part of this Contract. The date of advance and payment due date shall follow the date specified on the certificate of indebtedness or loan voucher . Where there is any inconsistency between the stipulations on the certificate of indebtedness or loan voucher and the Terms and Conditions on this Contract except date, the latter shall prevail.

第四條 借款劃付。在借款人辦妥借款手續後5個營業日內將全部款項劃至借款人指定的賬户，劃付次數、時間、金額見 36.4 。

Article 4 Transferring of loan. The full amount of loan shall be transferred to an Account designated by the Borrower within 5 working days from the date of completing borrowing procedure. Refer to 36.4 for the frequency, time and amount of transferring

第五條 借款利率和計息。

5.1借款利率。本合同項下借款利率根據國家有關規定，確定利率見—36—.5 。遇利率調整時，借款期限在1年(含)以下的，執行合同利率，不分段計息;借款期限在1年以上的，實行分段計息，從利率調整的次年1月1日開始，按相應利率的檔次執行新的利率;如借款人未按約定時間歸還借款本息或未按合同約定用途使用借款，貸款人將按國家規定對借款人計收罰息，

罰息率見36.6。

Article 5. Interest rate of loan and calculation

5.1 Interest rate of loan: The interest rate under this Contract is specified in 36.5 in line with relevant rules. In case of change of interest rate, the interest rate stipulated in the Contract shall prevail for loans with a life of less than or equal to one year; For loans with a life exceeding one year, the interest shall be calculated on a multi-stage basis, i.e. From next Jan. 1st following the adjustment of interest rate, the new rate shall prevail. In case the Borrower fails to repay the principal and interest before the due date, or fails to use the loan for purposes as agreed in this Contract, the lender shall be entitled to collect default interest in line with relevant rules. The default interest rate is specified in 36.6.

5.2遇利率調整時，實行分段計息的，貸款人有權根據國家有關規定自行調整，不另行通知借款人。

5.2 In case of calculating interest on multi-stage basis due to adjustment of interest rate, the lender shall be entitled to adjust the interest rate on his own without further notice to the Borrower.

第六條 還款方式Article 6 Type of Repayment of Loan

6.1借款人應在貸款人開設帳户，户名和帳號見 36.7 ，並保證在每次還款日前足額存入當期應還款項的存款。借款人在此授權貸款人從借款人該帳户中扣收借款本金、利息和可能發生的複利、罰息、違約金、保費、損害賠償金及實現債權的費用(含律師費和訴訟費)。如該帳户資產不足以歸還到期的貸款本息，貸款人有權從借款人在中國工商銀行任何分支機構開立的任何帳户劃收。

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 deposit sufficient money for repayment before each due date. The Borrower hereby authorizes the Lender to collect , if any, compound interest, default interest, liquidated damage, premium, compensation and expenses arising from the realization of creditor’s right (including lawyer’s fee and court expense)in addition to due principal and interest of loan. In case the asset in this Account is not enough for repayment of due principal and interest, the Lender shall be entitled to collect from any Account opened by the Borrower with any branch of ICBC.

6.2貸款人與借款人雙方商定，自貸款發放次月起，借款人按月歸還貸款本息(一次性還本付息除外)，還款期數及還款方式見 36.8 。

6.2 The Borrower shall repay the principal and interest on a monthly basis (Except repaying principal and interest in a lump sum) from the second month following the issuing of loan , as agreed between the Borrower and Lender. The repayment tenors and type are specified in 36.8.

6.3借款期間遇利率調整，如執行本合同5.1條實行分段計息的，對借款期限在1年以上的，應從利率調整的次年1月1日開始根據未償還借款餘額和剩餘還款期數進行調整，重新計算還款金額。

6.3 In case of multi-stage calculation of interest as specified in 5.1 due to adjustment of interest rate during the life of loan, the repayment amount for loans with a life exceeding one year shall be recalculated on the basis of balance of unpaid loan and the rest of repayment tenor from next Jan. 1st following the adjustment of interest rate.

6.4借款人提前歸還貸款須經貸款人書面同意，，提前歸還部分的利息仍按本合同約定的利率和該部分實際使用天數計算。

6.4 Repayment of the loan ahead of schedule by the Borrower shall be subject to written consent from the Lender. The interest of prepaid amount should be calculated on the basis of rate specified in this Contract and actual days.

第七條 擔保方式。本合同的擔保人及擔保方式見 36.9。具體約定由本合同中相應的擔保條款確足。

Article 7 Guaranty type. The Guarantor and guaranty type under this Contract is specified in 36.9. The specific stipulations are stated in corresponding guaranty clauses.

第八條 借款人的權利、義務Article 8 Rights and obligations of the Borrower.

8.1借款人的權利：8.1 Rights of the Borrower.

按本合同約定的期限和用途取得和使用借款;

Obtain and use the loan for the period and purposes as agreed in this Contract.

8.2借款人的義務8.2 Obligations of the Borrower

8.2.1如實提供貸款人所要求的資料(包括對外所欠款項、新發生大額借款等)配合貸款人調查、審查和檢查與借款有關的個人經濟收入、開支等情況，並對貸款審查過程中所提供材料的真實性、準確性、完整性負責;

Provide the actual documents (including debts and latest large loan) required by the Lender ; Cooperate with the Lender for the investigation, audit and examination of personal income and expense amongst other relevant information; Be responsible for the sufficiency, accuracy and genuineness of documents provided.

8.2.2自覺接受貸款人對本合同項下借款使用情況的調查、瞭解及監督;

8.2.2 Consciously acknowledge the right of the Lender to investigate, know and supervise the use of loan under this Contract.

8.2.3按本合同之約定清償本合同項下的借款本金及利息;不因與任何第三方糾紛為理由拒絕履行還款義務;

8.2.3 Repay the principal and interest under this Contract in full in line with the stipulations of this Contract. Never refuse the repayment due to disputes with any third party.

8.2.4承擔本合同項下有關費用的支出，包括但不限於用於公證、鑑定、評估、登記等事項的費用;

8.2.4 Be responsible for the expenses under this Contract, including but not limited to expenses arising from notarizing , appraising , assessing and registration.

8.2.5當客觀上出現危及借款安全的情況時(包括擔保人發生異常情況等)，最遲在事件發生後5日以內書面通知貸款人，並保證借款本息的償還;

8.2.5 In case something which may lead to the unsafety of loan occurs (including but not limited to the fact that something exceptional occurs to the Guarantor ),the Borrower shall inform the Lender in writing within 5 days of its occurrence and guarantee the repayment of principal and interest of loan.

8.2.6變更住所、通訊地址、聯繫電話、工資收入(如收入水平下降幅度超過申請此項借款時收入的10%以上)等事項時，應在有關事項變更後5日內書面通知貸款人。

8.2.6 In case of any change of residence, contact address, contact phone number and income ( if the then income decreases by over 10% comparing to the income when the loan is applied.), the Borrower shall inform the Lender in writing within 5 days of the change.