英文个人借款合同
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英文个人借款合同篇一：中国工商银行个人借款合同(中英文)中国工商银行个人借款合同（中英文）Industrial & Commercial Bank of China (ICBC) Inner Mongolia Branch Contract No.： 2604, Personal Mortgaging Loan, 2006, South Xilin Road Branch Personal Loan Contract of ICBC Borrower: Authenticator: Money Lender: South Xilin Road Branch, Industrial and Commerce Bank of China, Inner Mongolia. Under the Supervision of Inner Mongolia Branch, ICBC This contract is signed, based on the relevant laws and regulations, and the principle of equality and honesty with free will, between the two parties for performing and guaranteeing the contract with their own obligations. Loan Articles Article 1 Loan Type. As per the borrower?s application, the money lender is ready to extend a mortgaged/pledged loan to the borrower. 1). Personal Auto Consumer Loan 2). Individual Durable Consumer Goods Loan large in Sum 3). Individual Comprehensive Consumer Loan 4). Individual Short-Term Credit Loan Small in Sum 5). PersonalMortgaging/pledging Loan (√) 6).Central Discount Loan for Aiding Students 7). Local Discount Loan for Aiding Students 8). General Business Loan for Aiding Students9). __________________________________10).__________________________________ Article 2 Loan Purpose. The loan under the contract is used for studying abroad. Not for subscribing for, buying and selling shares or other kinds of investments involving rights and interests, and any registered capital of an economic entity either. Article 3 The term of loan under the contract is 12 months, from Sep.14, 2006 to Sep. 14, 2007. The actual day of releasing loan and maturity day shall be subject to the loan receipt. And the Receipt is an integral part of this contract, which has the same law effect as the contract. Article 4 Amount of Loan. The amount of loan is RMB 70,000. Article 5 Loan Interests. Based on the related regulations about the interest rate in our country, the loan interest shall be 5.61‰ per month, of which the interest is calculated from the day releasing loan. In case the interest rate is in need of adjustment, those the loan term is less than one year (including one year) shallbe at the interest rate stipulated in the contract, no calculation by sections; those the loan term is more than one year, the interest rate shall begin to be regulated correspondingly and carried out at new interest rate based on the floating proportion stipulated in the contract from Jan. 1 next year after adjusted legally. Article 6 Guarantee Mode. In the contract, it is on the basis of mortgage/pledge mode, as detailed in the relevant terms concerning guarantee in the contract. Article 7 Upon the contract coming into effect, the money lender shall transfer the loan into Chen Wen (borrower)?s account, account No. 0602005201000369161, and the opening bank is South Xilin Road Branch, ICBC. The money lender has the right to supervise the use of the money. As to the loans, such as personal auto consumer loan, individual durable consumer goods loan large in sum and the individual loan (tuition loan) for aiding students, the borrower shall authorize the money lender to transfer the money into the accounts of an auto dealer?s accounts, firm or school directly designated by him, account No.:____________________,Depositor:_____________________, Opening Bank: _________________. Article 8 Repayment Ways. The borrower is willing to repay the principal and interests in the first way. Repayment on installment shall be dividedinto _________ terms in total based on ______ (month, season), of which the first term of repayment shall be on ___.____, _______, while from the second term each repayment shall be paid off before the day due; and the last term of repayment shall be paid off before its maturity. Details about the sum of repayment shall be decided on the repayment schedule by the money lender.1) Pay off the principal and interests in full when it expires 2) The way of paying off money on equivalent principal 3) The way of paying off money on equivalent principal and interests 4) The way of paying off money on increase (decrease) by degrees 5) Other ways Article 9 The borrower authorizes the money lender to take away the loan principal and interests from the following account by means of withdrawing money with no bankbook on the day regulated in the contract. Depositor: Chen Wen Peony Card No./ Current Bankbook No.:0602005201000369161 If the account mentioned is lost, frozen, settled, or the Peony Card becomes invalid, or the borrower needs to change the account, the borrower shall come to the place where the money lender lives to settle the formalities of change. Before the change formalities become effective, if the original account for deducting money has no enough money, the borrower shall come to the site-Inner Mongolia South Xilin Road Branch, ICBC designed by the money lender to pay off the money. Article 10 Rights of Offset. Should the borrower have not paid off the principal and interests in a row for two terms or three months in the aggregate, the money lender will have the right to deduct the relevant money, including principal and interests, penalty interests as well as other expenses for reaching the credit?s rights from the accounts (including the Fixed Account) opened by the borrower at the place where the money lender lives. While the money lender is exerting the offset rights to the borrower?s Fixed Account, it shall be handled in the way of calculating interest upon withdrawing money in advance or part money withdrawn ahead of time,according to the regulations of Article 24 of “Savings Management Rules”. The remaining part after compensating the principal and interest for the part money withdrawn ahead of schedule shall be allowed to open a new bankbook or pay the borrower upon the original depositing period, the original interest rate and the original day for opening account. Any losses in interests caused by offset shall be shouldered by the borrower. Article 11 Penalty Interests. The borrower shall repay the principal and interests in due course, if not repay them as scheduled time, the money lender will add a penalty interests which is 0.221‰per day of the overdue loan. Article 12 Repayment in Advance. If the borrower is able to pay off the money ahead of time, he should inform the money lender in advance, and the interests of that part shall be calculated on days actually taken, subject to the ways as detailed in Article 5 under the contract. But for the part repayment ahead of time, the remaining of the unpaid should be rescheduled for a plan to pay off the money by both sides again, and then do as what has rescheduled. If the borrower is able to pay off all theprincipal of the loan in advance, all the interests should be settled up. Any formalities concerning the repayment in advance shall be handled at the counter of the branch of the money lender. Article 13 Borrower?s Commitments: (1) Repay the principal and interests on time. (2) In case there are any dangers to the loan safety, the borrower shall inform the money lender in written form within 5 days after the incidents happened, andguarantee to pay off the principal and interests; (3) To provide data (including money owed, and loan newly borrowed large in sum etc.) as what the money lender asks, and cooperate with the money lender to investigate, censor and check any aspects of personal economic income and expenses related to the loan; (4) Should any changes occur in address, communication, telephone, wage income (for example, the monthly income is below 10% of the loan applied) and others, the borrower shall inform the money lender in written form within 5 days after the changes; (5) The borrower shall secure the fulfillment of paying off the loan without any excuses or disputes related to the third party.Article 14 Money Lender?s Commitments (1) To release the full loan on schedule; (2) To keep a secret for the borrower in such areas as occupation, economic income and expenses etc. Article 15 Take back the loan in advance and the disposing guaranty Within the valid time of the contract, should the following items or factors affect the loan safety stipulated in the guarantee terms occur, the money lender shall have the right to take back the loan or dispose the guaranty in advance in case of such following situations occurred, as well as inform the borrower and guarantor of returning the money early, asking the borrower to pay off part or all the principal and interests within the time specified (including the overdue interests), and not responsible for any losses caused by exercising the above-mentioned rights legitimately: I. In case the borrower breaches any commitments in the loan terms of the contract; II. If the borrower subscribes for or buys stocks or other rights investment; III. If the borrower has lost his ability of civil behavior, disappearance or death or no heirs or the obligations undertaken by the person bequeathed; IV. If the heirs or the personbequeathed or the property administer on behalf of the borrower refuses to pay off the principal and interest for the borrower; V. According to the stipulations in the loan terms, in case of the guarantor (guaranty) changed, which leads to the obligations performed by the guarantor ahead of schedule or the disposal of guaranty by the money lender in advance; or any actions the borrower may take which influence returning the principal and interests to the money lender; VI. For the mortgage loan guaranteed, in case the borrower is not able to pay back the principal and interests punctually for the period of two sessions in a row or three months in the aggregate; VII. For the mortgage loan guaranteed, in case the borrower is not able to pay back the loan punctually and thus gets the loan overdue less than one month; Article 16 All charges in evaluation, registry, insurance and notarization etc for making and carrying out the contract shall be paid by the borrower. Guarantee Clauses Article 17 The guarantor voluntarily provides the borrower with the joint liability assurance. When the borrower fails to fulfil the obligations of returning the money as perthe contract, the guarantor promises to carry out the obligation of paying back the money as the money lender requires. Article 18 The scope of guarantee responsibility contains the principal, interests, penalty interests and other expenses of reaching creditor's rights. Article 19 The guatantee period is two years, calculation is carried out from the moment when the expiring day comes as per the provision of loan clauses in the contract. For the payment on instalment, the guarantee period shall be calculated from the day when the borrower fails to pay back the loan of each term punctually. In case the money lender takes back the loan early as per the stipulationsof the contract, then the guatantee responsibility of the guarantor shall be performed ahead of schedule. Article 20 No need to get the guarantor?s approval in case the money lender carrys out a new interest rate owing to any adjustment by policies on interest rate. Article 21 In case the borrower fails to do the obligations of repaying the principal and interests and other corresponding expenses as stipulated in the loan clauses, the money lender shall have the right todirectly recover the debt against the guarantor. The guarantor shall secure the fulfillment of repaying the above money within five days upon receiving the written notice from the money lender. Article 22 The guarantor shall pledge himself to have enough ability in bearing the guarantee responsibility, and not be free from the responsibilities in such cases as any instructions, changes in financial resources and any agreements signed with a unit or individual happened to the guarantor. Article 23 As soon as the contract comes into effect, the guarantor shall agree to investigation on his capital and property state made by the money lender, and provide the relevant economic situations and information timely. Article 24 During the period of implementing the contract, if the guarantor provides a guarantee to the third party again, ensuring no harm to the interests of money lender. Article 25 The ?Loan Terms? in the contract, of which as the results of some reasons part or whole is of no effect, shall not influence the effectiveness of ?Guarantee Terms?, the guarantor shall continue to be responsible for what stipulated. Pledge Terms Article 26 The pledgor maymortgage the whole rights and interests of the pledge (right) on the Pledge (Right) List which he has the right to dispose to the money lender, and the List is an integrated part of the contract. Article 27 The scope of pledge guarantee is principal, interests, penalty interests related to the contract and the expenses of reaching the creditor?s rights. Article 28 Pledgor?s Commitments I. To pledge things which he possesses legally, and the pledging deed is true and legal; II. To submit the pledge or its certificates of right to the money lender on the day the loan released; III. To be responsible for handling the registry, notarization, evaluation and authentication etc related to the contract and all expenses. Article 29 If for the pledgor whose date of fulfilling the pledge rights is prior to that of performing the main debts, the money lender may match his commitments before the maturity of fulfilling the debts. After the money lender has matched his commitments as the previous provisions, through negotiation with the pledgor, ahead of time he will pay off the creditor?s rights guaranteed by the pledgor with the money cashed, or deposit it as the pledgingproperty into the account designated by the money lender. Article 30 In case the following situations happened, the pledgor/mortgagor shall inform the money lender in written form: (1) Any disputes on the right of pledge/guaranty; (2) Any lawsuits involving some important economic disputes; (3) Any changes on the pledgor?s side in address, telephone (including BP and mobile phone) and so on. Should the above-mentioned happened, the pledgor/mortgagor shall inform the money lender within 7 days after the incidents. Article 31 When the performing date has expired as per the regulations of “Loan Terms”, if the money lender has not been paid off or according to the “Loan Terms”he has claimed to tack back the loan in advance but no results, he will have the right to dispose the pledge/guaranty and get a prior compensation with the money. Article 32 In case the money lender is ready to disposethe pledge subject to the contract, yet the right under the pledge has not been mature, the money lender shall have the right to cash the pledge in advance, any losses like interests caused by this shall be shouldered bythe pledgor. The Fixed Deposit Receipt cashed in advance shall be disposed as exercising the offset rights against it stipulated in Article 9 of the contract. The Certificate National Debts cashed in advance shall be handled as the procedures stipulated in Article 11 of “The Certificate National Debts Pledging/Mortgaging Loan Measures”enacted by The People?s Bank of China and Ministry of Finance on July 9, 1999. Article 33 In case any causes get part or whole of the “Loan Terms” under the contract out of effect, no influences on the legal effects of “Pledge/Mortgage Terms”, and the pledgor shall go on with his duties as what stipulated. Article 34 Mortgage Terms The mortgager mortgages the property which he has the right to dispose, all the mortgage property shall be shown on the Guaranty List, which shall be an integrating part of the contract. Article 35 The scope of mortgage guarantee contains the principal, interests, penalty interests and other expenses of reaching the creditor?s rights under the contract. Article 36 On the day when the mortgage under the contract has been set and its registration has been finished, the mortgager shallhand over the ownership certificate of the guaranty and the mortgage registration certificate etc. to the money lender, in the custody of the latter. Article 37 During the period of mortgage, all the guaranty shall be taken good care of by the mortgager, who as well responsible for repair and maintenance to make sure that the guaranty is all preserved well, and subject himself to the supervision and inspection from the money lender at any time. Article 38 As per the requests of the money lender, the mortgager shall give an insurance upon his guaranty, and all the insurance procedures of the mortgage property shall be completed before the contract comes into effect, and of which the insurance time shall be longer than that of loan. Article 39 Within the period of mortgage, should any damages happen within the scope of insurance, or any decreases in mortgage value originated from the third party occur, the insurance compensation or damage compensation shall be repaid ahead of schedule. Article 40 Within the period of mortgage, should any decreases happen owing to the faults of mortgager or other causes, the borrower or mortgager shall provide the money lenderwith the guarantee worth the equal value of the decreases within thirty days. Article 41 Within the period of mortgage, without any written approval from the money lender, the mortgager shall have no right to rent, sell, re-mortgage the guaranty, or for debts or donations etc. Any losses to the money lender caused by this shall be shouldered by the mortgager. Any money got by transferring the guaranty based on the approval of the money lender shall be used for paying off the loan ahead of schedule. Article 42 Within the period of mortgage, in case the money lender thinks it necessary to reevaluate the guaranty, with which the mortgager must cooperate. After the reevaluation, when the money lender thinks that the value of guaranty is inadequate in guaranteeing his creditor?s rights, the borrower or mortgager shall add new guaranty as guarantee. Article 43 Should what happen as the statement in Article 15, the money lender declares the loan taken back early, but for the part not paid off the money lender has the right to dispose the guaranty in advance. Article 44 Setting the guaranty needs to have the mortgage registration in the篇二：中信银行个人借款合同英文翻译Code No.: 741China CITIC BankPersonal Loan Contract(Version of 2012)CHINA CITIC BANK CORPORATIONCHINA CITIC BANK CHENGDU BRANCHBorrower (hereinafter referred to as “Party A”Address:___________________________________________ ______________________________Lender (hereinafter referred to as “Party B”MortgagerAddress:__________________________________ _______________________________________According to the relevant laws and regulations of the <Contract Law of the People’s Republic of China>, <Guarantee Law of the People’s Republic of China> (<Guarantee Law>), and <Property Law of the People’s Republic of China> (<Property Law>), Party A, Party B and the relevant guarantor sign this contract upon equal consultation.Article 1 Amount of LoanThe amount of loan is referred to Article 15.1 under this contract.Article 2 Purpose of Loan and Payee (scope)2.1 Purpose of loan for this contract is referred to Article 15.2. During the term of loan, Party A promises the loan under this contract shall not flow into stock market, futures market, be spent on equity investment or projects that are forbidden by laws and regulations of other countries to operate, or Party A shall take on any loss brought to Party B.2.2 The payee for this contract (scope) is referred to Article 15.3.Article 3 Interest of Loan3.1 Interest of loan is referred to Article 15.4.3.2 During the term of this loan contract, interest may be changed as prescribed by the People’s Bank of China, the adjust method of loan interest rate is referred to Article 15.4.Article 4 Term of Loan4.1 The term of loan is referred to Article 15.5. Article 5 Release and Payment of the Loan5.1 Except one or more of the following conditions areexempted by Party B, otherwise, the preconditions for Party B to issue the loan is all the following conditions are met:5.1.1 Party A provides the Loan Application and Certificates required by Party B;5.1.2 Party A fulfills the application procedures of loan and guarantee required by Party B;5.1.3 Party A signs required legal documents of loan application, with check and approval of Party B;5.1.4 Party A fulfills and signs the other procedures and relevant documents required by loan releasing of Party B, with check and approval of Party B.5.2 Party B shall release the funds to the account designated by Party A (the account designated by Party A is the payee’s account recorded in Personal Loan Certificate (due bill) under this contract). The releasing of loan from the account of Party B is regarded as the completion of the loan obligation of Party B. The date of loan releasing is the actual loan disbursement date, Party B shall calculate the interest rate from the date.Loan fund should be paid in strict accordance with theappointment stipulated in Article 5.3 under this contract. Party A is not allowed to change the mode and arrangement of payment.5.3 The loan fund should be paid by the method of entrusted payment of Party B. If Party A applies for self-payment in particular cases, it shall need the verification and approval of Party B. The specific appointment of the payment method is as follows:5.3.1 Entrusted Payment of Party BParty A should apply for payment while using the loan, fill the appendix three: Payment Authorization/Application (Suitable for the condition of bank entrusted payment).Party B verifies whether the relevant transaction documents and certificates provided by Party A are in conformity with the contract before the payment of loan fund. With the verification and approval of Party B, according to the payment entrustment of Party A, Party B shall deliver the loan fund that PartyA applies to pay to the account of Party A’s trading object listed by Party A in Payment authorization/application(Suitable for the conditionof bank entrusted payment).5.3.2 Self-Payment Method by Party AUpon application by Party A, Party B shall agree to adopt self-payment method is involved in one of the following situations:(1) Party A cannot confirm detailed transaction object in advance and the amount is less than RMBthree hundred thousand yuan;(2) The transaction object of Party B cannot valid use non-cash method for settlement;(3) Loan fund used for production and operation and amount is less than RMB five hundred thousandyuan;(4) Other situation regulated by law and regulation. If self-payment method is adopted, Party A shall fill appendix four: <Self-payment Application> with detailed application reason. Upon checked and approved by Party B, Party A can use self-payment method to pay for loan fund.Article 6 Repayment of the Loan6.1 Party A, based on relevant regulations of Party B, shall select ways of loan repayment under Article15.6.6.2 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 15.6), by depositing one of any repayment account opened by Party B (account name and account No. are given in Article 15.7), and irrevocably authorizes Party B to draw the funds receivable directly from the account above on the due repayment day.6.3 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 15.8). 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 15.8). For overdue loan or loan of misappropriate use, Party B shall calculate the interest rate based onpenalty 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.6.4 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.Article 7 Repayment in Advance7.1 If Party A is able to pay off the loan ahead of time, it shall submit to Party B the irrevocable loan repayment application and repayment plan. Afterchecking and confirming that Party A has no delay of loan principal and interest and has paid off the current interest, Party B will approve the repayment ahead application, then Party A can repay the loan in advance. The interest repayable before repayment-in-advance day shall not be adjusted.7.2 For repayment in advance, Party B can charge penalty to Party A under Refer to Term 15.9 of this contract for details.7.3 With Party B’s agreement, Party A executes according to the convention of repayment in advance if Party A automatically repay in advance. Refer to Term 15.9 of this contract for details.Article 8 Guarantee of Loan8.1 The guarantee type for the loan is specified in Article 15.10.8.2 Scope of Guarantee8.2.1 The principal of loan, interest (including compound interest), penalty interest under this contract;8.2.2 Penalty, compensation, reimbursement;8.2.3 Expenses arising from realization of liabilityand guarantee right(including, but not limited to attorneys' fees, assessment fee, auction fee, law suit fee, all-risk fee, travel expense etc.).8.3 Mortgage Guarantee8.3.1 The mortgager voluntarily mortgages the property (Guaranty for short in the afterward contents) in Guaranty List- the Attachment A of this contract, and agrees to be restricted by this contract.8.3.2 The co-owner of the mortgaged property under this contract agrees to mortgage the property and be restricted by this contract.8.3.3 The mortgager shall complete the registration of mortgaged property based on laws and regulations. The mortgager shall take on the fees for the mortgaged property. The mortgager shall provide to the Party B the evidence documents and relevant materials of ownership of the guaranty, and the original of Mortgage Registration Certificate shall be kept by Party B.8.3.4 Party B can exercise the mortgage right in case one of following situations happens:(1) Party A fails to repay the due loan payable and/or other items payable based on this contract;(2) Party breaches the contract, party B claims to take back the loan in advance, and Party B fails to be paid off or not fully paid off;(3) The mortgager breaches the contract by disposing the guaranty, or implements action enough to decrease the value of guaranty, and Party B is refused of restoring the guaranty to original value or providing guarantee, Party B can exercise the mortgage right in advance.8.3.5 Party B can select any one of the following ways to realize the mortgage right:(1) Discount of mortgage in agreement with mortgager;(2) Auction of guaranty;(3) Sale of mortgage;(4) Other ways allowed by law.8.3.6 The mortgager shall provide to Party B the Ownership certificate and other valid certification documents and relevant materials, after confirmation of Party B, all documentation aforementioned shall be kept by Party B.8.3.7 Under condition that Party A pays off the total loan principal and interest, and in fulfillment of all。
