英文个人借款合同

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英文个人借款合同

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英文个人借款合同

　　英文个人借款合同(一)

　　借款人(以下简称甲方)Borrower (hereinafter called Party A)

　　身份证件名称及号码：ID name and code No： ID card Number

　　住所：Address of living place：

　　联系电话：Post code：邮编：Contact number：

　　贷款人(以下简称乙方)Lender (hereinafter called Party B)

　　住所：Address of living place：

　　联系电话：Post code：邮编：Contact number：

　　抵押人：Mortgager：

　　身份证件名称及号码：ID name and code No： ID card Number

　　住所：Address of living place：

　　联系电话：Post code：邮编：Contact number：

　　出质人：Pledger：

　　身份证件名称及号码：ID name and code No： ID card Number

　　住所：Address of living place：

　　联系电话：Post code：邮编：Contact number：

　　保证人：Guarantor：

　　身份证件名称及号码：ID name and code No： ID card Number

　　住所：Address of living place：

　　联系电话：Post code：邮编：Contact number：

　　根据中华人民共和国合同法和担保法的相关规定，甲方、乙方和担保方经过协商，就乙方向甲方贷款事宜达成如下合同条款。

　　According to the relevant laws and regulations of the Contract Laws and

　　Guarantee Law of the People‘s Republic of China， Party A， Party B and the

　　relevant Guarantor， after reaching agreement through negotiations on the loan to Party B by Party A， hereby enter into this contract.

　　第一条借款金额Article 1 Amount of Loan

　　详见本合同第十四条第一款。

　　1.1 The amount of loan is referred to Article 14.1 under this contract.

　　第二条借款用途Article 2 Purpose of Loan

　　详见本合同第十四条第二款。

　　2.1 Purpose of loan for this contract is referred to Article 15.2.

　　第三条借款利率Article 3 Interest of Loan

　　一、借款利率详见本合同第十四条第三款。

　　3.1 Interest of loan is referred to Article 14.3. The interest is calculated from the day releasing loan.

　　二、本合同履行期间，遇中国人民银行贷款利率调整，借款利率按有关规定调整与执行，乙方将在营业场所对贷款利率调整情况进行公告，不再另行书面通知甲方。

　　3.2 During the term of this loan contract， interest may be changed as prescribed by the People‘s Bank of China， Party B is entitled to adjust and implement the interest rate without further notice to Party A.

　　第四条借款期限及还款总期数

　　Article 4 Life of Loan and Total Loan Repayment Terms

　　一、借款期限详见本合同第十四条第四款。

　　4.1 Life of loan and total loan repayment terms are referred to Article 14.4.

　　二、实际借款发放日与本合同约定的日期不一致时，以实际借款发放日为准计算借款期限。

　　4.2 In the event that the actual funds release date is in disagreement with the

　　date stipulated under this contract， the life of loan shall be calculated based on

　　the actual day of funds releasing.

　　三、甲、乙双方约定甲方按期还款，确定还款总期数，详见本合同第十四条第四款。

　　第五条借款发放Article 5 Release of Funds under the Loan

　　一、乙方发放借款的前提是甲方提供了符合乙方要求的证明材料，履行了乙方要求的申请借款和担保手续，签署了申请借款所需法律文件并经乙方审查同意。

　　5.1 Party B will release the funds under condition that Party A has provided

　　evidences complying with requirements of Party B， and has completed the loan applying and guaranteeing procedures， and has signed the legal documents with check and approval of Party B.

　　二、甲方授权乙方在审查同意后，将借款直接划入甲方指定并经乙方认可的账户(账户名称、账号详见第十四条第五款)，即为乙方依约履行了向甲方提供借款的义务。

　　5.2 After funds release is approved， Party A will grant Party B to transfer the loan into the account designated by Party A and approved by Party B (account name and account No. are given under Article 14.5)

　　三、本合同项下的借款发放后，甲方就所购商品或服务发生的任何纠纷，均与乙方无关，本合同应正常履行。

　　5.3 After releasing of the loan， any disputes under the use of funds under this loan by Party A has no relationship with Party B， and the contract will still be fulfilled.

　　第六条借款偿还Article 6 Repayment of the Loan

　　一、甲方应根据乙方相关贷款办法规定，在下述四种还款方式中选择一种方式归还借款本息，甲方选择的还款方式详见本合同第十四条第六款：

　　6.1 Party A， based on relevant regulations of Party B， shall select ways of interest calculation， interest settlement and loan principal repayment under Article 14.6.

　　二、甲方应当于乙方规定的每期还款日(详见第十四条第六款)前，将当期应偿还的借款本息及逾期的罚息、复利等足额存入在乙方开立的还款账户(账户名称及账号见第十四条第六款)，并不可撤销地授权乙方于当期还款日直接从该账户划收应收款项。

　　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 14.6)， and irrevocably authorizes Party B to draw the funds receivable directly from the account above on the due repayment day.

　　三、甲、乙双方同意遵循先还息后还本的原则，乙方按照“期前逾期本息、罚息和复利—当期利息—本金”的顺序扣划甲方还入款项。甲方违反本合同约定，逾期或未按约定的金额归还借款本息，乙方有权按照人民银行的规定对逾期借款加收罚息。甲方逾期或未按约定的金额偿还借款利息时，乙方有权按人民银行的规定对甲方未支付的利息计收复利。

　　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 15.6) 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 15.6) 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.

　　第七条提前还款Article 7 Repayment in Advance

　　甲方如欲提前还款，应于拟提前还款日前三十日将提前还款申请书及还款计划以书面形式提交乙方，经乙方审核同意后即为不可撤销。甲方经乙方审核确认甲方未有拖欠借款本息及已还清当期本息后方可提前还款。提前还款日前已计收的利息不作调整。

　　提前还款，乙方有权按提前还款金额的 %计收损失补偿金。

　　7.1 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. After checking

　　and confirming that Party A has no delay of loan principal and interest and has

　　paid off the current interest， Party B will approval 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.

　　第八条借款担保Article 8 Guarantee of Loan

　　本合同项下的担保条款的效力独立于本合同。甲方对借款提供的担保可选择如下方式，详见本合同第十四条第八款。

　　8.1 The effectiveness of guarantee terms under this contract is independent of

　　this contract. The guarantee type for the loan is specified in Article 15.8.

　　一、抵押担保Mortgage Guarantee

　　(一)抵押人自愿将本合同附件一“抵押物清单”所列明的财产(以下简称抵押物)抵押给乙方，作为甲方偿还本合同项下借款的担保。

　　8.4.1 The mortgager voluntarily mortgages the property in Guaranty List-the

　　Attachment A of this contract， and agrees to be restricted by this contract.

　　(二)本合同抵押物的共有权人同意将本合同项下的抵押物作抵押，并同意受本合同约束

　　8.4.2 The co-owner of the mortgaged property under this contract agrees to

　　mortgage the property and be restricted by this contract.

　　(三)抵押担保范围：Scope of Guarantee

　　1.本合同项下的借款本金、利息(含复利)罚息;

　　8.3.1 The principal of loan， interest (including compound interest)， penalty interest under this contract;

　　2.违约金、赔偿金、补偿金;8.3.2 Penalty， compensation， reimbursement;

　　3.为实现债权和抵押权而支付的费用(包括但不限于因违约方产生的律师费、抵押物处置费)

　　8.3.3 Expenses arising from realization of liability and guarantee right(including，

　　but not limited to attorneys' fees， assessment fee， auction fee， law suit fee，

　　all-risk fee， travel expense etc.)

　　(四)抵押人必须依照法律规定办理抵押物的登记手续。抵押人向乙方提供该抵押物的所有权证明文件及有关资料，抵押登记证明文件正本交乙方保管。

　　8.4 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.

　　(五)出现下列情形之一，乙方可以行使抵押权：

　　8.4 Party B can exercise the mortgage right in case one of following situations happens：

　　1.甲方债务履行期限届满，乙方未受清偿或未受完全清偿的;

　　(1) Party A fails to repay the due loan payable and/or other items payable

　　based on this contract;

　　2.甲方违反本合同的约定，乙方宣布提前收回借款，乙方未受清偿或未受完全清偿的;

　　(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.抵押人违反本合同的约定，擅自处分抵押物，或实施足以使抵押物价值减少的行为，乙方要求抵押人恢复原状或者提供担保遭拒绝，乙方可以提前行使抵押权。

　　(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.

　　(六)乙方可选择下列方式之一实现抵押权：

　　Party B can select any one of the following ways to realize the mortgage right：

　　1.与抵押人协议以抵押物折价受偿;

　　(1) Discount of mortgage in agreement with mortgager;

　　2.拍卖受偿;(2) Auction of guaranty;

　　3.变卖受偿;(3) Sale of mortgage;

　　4.法律允许的其他方式。(4) Other ways allowed by law.

　　(七)抵押人应向乙方提供抵押物的权利证书及其他有效证明文件和相应资料，经乙方确认后，由乙方保管。

　　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.

　　(八)甲方还清全部贷款本息及其它应付款项，并履行了本合同的全部条款，则抵押关系终止。

　　Under condition that Party A pays off the total loan principal and interest，

　　and in fulfillment of all items under this contract， the mortgage relationship

　　shall terminate.

　　(九)抵押权存续期间，抵押人应将其所知道或应当知道的对抵押权产生或可能产生不利影响的情况及时书面通知乙方。

　　Within the period of mortgage， the mortgager shall inform the Party B in a

　　written way all situations he knows or should know that have produced or may

　　produce adverse impact on the guaranty

　　(十)抵押权存续期间，抵押人对抵押物应当妥善保管;负有维修、保养、保持抵押物完整无损的义务并随时接受乙方的监督与检查。

　　Within the period of mortgage， the entire 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 Party B at any time.

　　(十一)抵押权存续期间，抵押人的行为足以使抵押物价值减少时，乙方有权要求抵押人停止该行为，并要求抵押人在十日内恢复抵押物的价值或者提供与减少价值相当的担保。

　　Within the period of mortgage， should any decreases happen owing to the action of mortgager， Party B has the right to request the mortgager to stop the action and restore the value or provide guaranty worth the equal value of the decreases within ten(10) days.

　　(十二)抵押权存续期间，抵押人可以将抵押物出借、(在抵押行为成立后)出租;抵押人在从事上述行为前，均需及时通知贷款人，若上述行为影响债权安全，贷款人有权要求抵押人禁止实施上述行为。未经乙方书面同意，甲方不得转让、变更、赠与抵押物。

　　Within the period of mortgage， without any written approval from Party B，

　　the mortgager shall have no right to dispose the guaranty (disposing way

　　includes， but not limited to， transferring， renting， selling， donating the

　　guaranty)

　　(十三)抵押权存续期间，经乙方同意的抵押物转让所得价款，应提前清偿本合同项下的债务或转为定期存款质押。

　　8.4.12 Within the period of mortgage， any money got by transferring the guaranty based on the approval of Party B shall be used for paying off the loan ahead of schedule or changed to fixed deposit for guarantee.

　　(十四)抵押人应当按照乙方的要求购买抵押财产等保险并以乙方为优先受偿人，且不得约定任何有损乙方权益的条款。保险期限应长于借款期限，如本合同借款展期，抵押人同意继续办理抵押物延长投保的手续。保险单和续保单正本由乙方保管。如抵押人拒绝办理续保手续，乙方可以代替抵押人直接办理续保手续，续保费用由抵押人承担。

　　As per the requests of Party B， the mortgager shall give an insurance

　　upon his guaranty， and Party B should be the insured enjoying right of exclusive and being paid off with priority/ primary beneficiary， and no items against benefits of Party B shall be specified. The insurance term shall be longer than loan term under this contract. If term of loan under this contract is extended， the mortgager shall agree on the renewal insurance for the guaranty. The originals of insurance policy and renewal order shall be kept by Party B. If mortgager refuses extending the insurance term， Party B has the right to deal with insurance term extending instead of mortgager， and the renewal insurance cost shall be taken on by the mortgager. Should any losses caused by refusal of insurance or renewal insurance， or failing to pay for the insurance from mortgager， the mortgager shall take on them.

　　(十五)抵押权存续期间，抵押人不得中断或者撤销上述保险。

　　Within the period of mortgage， the mortgager shall not discontinue or

　　cancel the abovementioned insurance.

　　(十六)抵押权存续期间，抵押物发生保险事故，保险赔偿金应当用于提前清偿本合同项下的债务。

　　Within the period of mortgage， should any accident happens to the guaranty， insurance compensation should be used for paying off the loan under this contract ahead of schedule with priority.

　　(十七)乙方与甲方变更本合同(包括但不限于借款金额、期限、利率、结息方式、还款方式，还款期数、每期还款额)，只要不加重抵押人的责任，无须征得抵押人同意，抵押人仍承担担保责任。

　　When Party B and Party A change the contract (including， but not limited to， amount of loan， term of loan， interest rate， type of interest settlement， type of repayment， period of repayment， repayment amount for each period)， the mortgager is no need to be notified if responsibility of mortgager is not increased accordingly， and the mortgager is still bear the responsibility of guarantee.

　　二、质押担保Pledge Guarantee

　　(一)出质人自愿将本合同附件二“质押物清单”所列明的动产/权利(以下简称质物)质押给乙方，作为甲方偿还本合同项下借款的担保。

　　The pledger voluntarily pledges the movable assets/rights in Pledges List-Attachment B of this contract， and agrees to be restricted by this contract.

　　(二)本合同质物的共有权人同意将本合同项下的质物作质押，并同意受本合同约束。

　　The co-owner of the pledges under this contract agrees on pledging and be restricted by this contract.

　　(四)出现下列情形之一，乙方可以行使质权：

　　Party can exercise the pledge right in case one of following situations

　　happens：

　　1.甲方债务履行期限届满，乙方未受清偿或未受完全清偿的;

　　Party A fails to repay the due loan payable and/or other items payable based on this contract;

　　2.乙方根据本合同的约定，提前收回借款，乙方未受清偿或未受完全清偿的;

　　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.质物价值减少，出质人未按照乙方要求提供担保的，乙方可以提前行使质权。

　　Should the value of pledges is decreased， and the pledger fails to provide guarantee required by Party B， Party B can exercise the pledge right in advance.

　　(五)乙方可选择下列方式之一实现质权：

　　Party B can select any one of the following ways to realize the pledge right：

　　1.与出质人协议以质物折价受偿;Discount of pledges in agreement with pledger;

　　2.拍卖受偿;Auction of pledges;

　　3.变卖受偿;Sale of pledges;

　　4.法律允许的其他方式。Other ways allowed by laws.

　　(六)甲方与乙方变更本合同(包括但不限于借款金额、期限、利率、结息方式、还款方式、还款期数、每期还款额)，只要不加重出质人的责任，无须征得出质人同意，出质人仍对本合同项下的债务承担担保责任。

　　When Party B and Party A change the contract(including， but not limited to， amount of loan， term of loan， interest rate， type of interest settlement， type of repayment， period of repayment， repayment amount for each period)， there is no need to ask for approval of the pledger， and the pledger is still bear the responsibility of guarantee.

　　(七)出质人应将质物或质押权利凭证交乙方保管。甲方偿还本合同项下的`全部借款本金、利息及费用或出质人代甲方清偿所担保的债权，乙方应将质物及其相关证明文件返还出质人。

　　The pledger shall provide to Party B the evidence certificates， after confirmation of Party B， and all certificates shall be kept by Party B. When Party A pays off the principal， interest and expenses for the whole loan under this contract， or the pledger pays off the guaranteed security instead of Party A， Party B shall return the pledges and relevant certificates to the pledger.

　　三、保证担保 Guarantee

　　(一)本合同的保证方式为连带责任保证。

　　The guarantee form under this contract is joint liability assurance.

　　(二)保证人保证担保的范围：

　　1.本合同项下的借款本金、利息(含复利)罚息;

　　2.违约金、赔偿金、补偿金;

　　3.为实现债权和质权而支付的费用(包括但不限于因违约方发生的律师费)

　　(三)保证人保证责任的保证期间自本合同生效之日起，至本合同项下债务履行期限届满之日起两年。

　　The guarantee period is two years， from the day when the contract becomes effective till the expiring day of liability fulfillment term under this contract.

　　(四)在借款期内，保证人发生被宣告破产、被依法撤销、解散、资不抵债等丧失担保资格和能力的变故时，保证人应及时通知乙方，甲方应提供新的担保。

　　Within the term of loan， should the guarantor be declared bankrupt or be

　　dissolved， or under insolvency to lose qualification of guarantee and ability， the

　　guarantor should notify Party B in time， and Party should provide a new guarantee.

　　第九条其他权利与义务Article 9 Miscellaneous Rights and Obligations

　　一、甲方保证提供的申请借款文件是真实、有效、合法的，并接受乙方的监督和检查。

　　9.1 Party A shall ensure the loan application data are complete， true， valid and

　　legal， and cooperate with Party A to investigate， censor and check the data.

　　二、甲方应定期或随时应乙方要求，向乙方提供真实反映甲方财务状况或收入情况的文件或证明。

　　9.2 At regular time or any time requested by Party B， Party A should provide

　　the documents or certificates reflecting truly the financial status or income of

　　Party A.

　　三、本合同履行期间，甲方单位、住所、联系方式等发生变化，应在变化发生后十日内通知乙方。

　　9.3 Within period of this contract， should any changes occur in company， address， contact way of Party A， he shall inform Party B within ten (10) days after the changes.

　　四、甲方不得挪用借款。甲方借款不用于购买或退掉本合同约定的商品或服务，应按提前还款与乙方结算，否则，视为改变借款用途挪作他用。

　　9.4 Party A shall not use the loan funds for other purpose than that prescribed

　　under this contract. If Party A does not use the loan on the agreed purpose under this contract， he should clear the loan with Party B ahead of schedule， otherwise， Party A shall be treated as misappropriate use of loan.

　　五、本合同履行期间，担保人发生或可能发生影响其担保能力的变化，甲方应当在变化发生的五日内书面通知乙方并应当在十日内提供新的、符合乙方要求的担保或者采取乙方认可的补救措施。

　　9.5 Within period of this contract， should any changes happens or may happen

　　to the guarantor that influence his guaranteeing ability， Party A should notify

　　Party B in written way within five (5) days after the changes and provide a new

　　guarantee complying with requirement of Party B or take any remedial measures approved by Party B within ten (10) days.

　　六、甲方应当按照乙方的要求投保保险并以乙方为保险的优先受偿人。本合同履行期间，甲方不得中断、撤销保险。

　　9.6 Party A shall be responsible for handling the attorney service， registry，

　　insurance， notarization， evaluation etc related to the contract and all expenses.

　　七、本合同项下的按揭律师服务费、保险费、评估费、公证费等费用按照相关规定或由甲乙双方协商承担。

　　第十条违约责任Article 10 Default Liability

　　一、发生下列情况之一即构成违约：

　　10.1 Fault liability occurs in case any one of the following situations happens：

　　(一)甲方改变借款用途;Party A changes the purpose of the loan;

　　(二)甲方违反本合同约定，逾期或未按约定的金额归还借款本息;

　　Party A breaches the contract， failing to repay the funds on due date or failing to pay funds in full;

　　(三)甲方提供的证明、资料等文件有虚假、非法的情况;

　　The certificates and materials provided by Party A are fake or illegal;

　　(四)甲方死亡、被宣告死亡、被宣告失踪、丧失民事行为能力后无继承人、受遗赠人、财产代管人、监护人或者其继承人、受遗赠人、财产代管人、监护人拒绝履行本合同;

　　Party A is deceased， declared disappearance or death， no heirs， donatee， property keeper， guardian after losing the capacity of civil conduct， or his heir， donatee， property keeper， guardian refuses to fulfill this contract;

　　(五)合同履行期间，抵押人擅自处分抵押物，或者抵押人的行为足以使抵押物价值减少，乙方要求恢复原状、提供担保遭拒绝;

　　Within the period of the contract， in case that the mortgager disposes

　　the property without approval of Party B， or action of the mortgager can decrease the value of guaranty， Party B is refused of restoring the property or provision of new guarantee.

　　(六)合同履行期间，甲方中断、撤销乙方要求投保的保险;

　　(七)保证人提供虚假财务报告或者拒绝乙方对其财务状况进行监督、检查;

　　The guarantor provides false financial report or refuses the check and supervision of Party B on his financial status.

　　(八)保证人违反本合同保证条款或丧失担保能力甲方未能提供符合乙方要求的担保;

　　The guarantor breaches the terms of this contract or loses the ability of

　　guarantee， and Party A fails to provide the guarantee required by Party B.

　　(九)甲方或担保人其他可能影响归还乙方贷款的行为。

　　Other actions from Party A or the guarantor that may influence repayment of loan to Party B.

　　二、发生违约情况时，乙方有权采取以下一种或多种措施：

　　10.2 In the event of default， Party B has the right to take any one or a few

　　measures below：

　　(一)按中国人民银行的规定计收罚息和复利;

　　Calculate the penalty interest rate and compound interest as regulations of the People‘s Bank of China;

　　(二)要求甲方立即提前偿还部分或全部借款，或以合法程序处分本合同项下的抵、质押物以清偿全部借款和利息，或要求保证人履行保证责任;

　　Dispose the guaranty under mortgage and/or pledge by law， to pay off

　　the total loan and relevant interest; Require the guarantor to fulfill the guarantee liability;

　　(三)其他法律允许的措施。Other measures allowed by law.

　　第十一条公证Article 11 Notarization

　　11.1 If any party under this contract makes request of notarization， this contract

　　shall be notarized by notary organ， and Party A shall be responsible for the

　　expense.

　　如任何一方提出对本合同进行公证，则由公证机关进行公证，公证费用由甲方承担。

　　11.2 If Party B requests the notarial deed of documents for creditor‘s rights with

　　force of compulsory execution， Party A will agree that Party B could apply to

　　issue the notarial deed with compulsory force with the notary organ. If Party A

　　fails to pay off all loan principal， interest and relevant expense on due date，

　　Party B could take the notarial deed directly to people‘s court with jurisdiction，

　　applying for compulsory enforcement， and any charges due to that will be paid

　　by Party A. Party A shall agree on the compulsory execution by law unconditionally， and give up all and every right to defense.

　　如果债权人要求对行使强制执行权力进行公证，甲方将同意乙方向公证机关申请对该行为的公证。如果甲方未能对到期的借款本金、利息和其他相关费用予以偿付，乙方可以向有管辖权的人民法院提交公证书，申请强制执行，相关费用由甲方承担。甲方应依照法律无条件接受该强制执行并放弃抗诉权利。

　　第十二条纠纷的解决Article 12 Dispute Settlement

　　本合同履行中发生争议，各方协商解决，协商不成，各方同意采取以下第_________种方式解决：

　　12.1 Should any disputes happen in the process of performing the contract， all

　　parties shall resolve them through consultations， if no settlement is reached; either of the parties may go to law in the local People‘s Court where Party B lives.

　　第十三条合同生效和终止Article 13 Taking Effect and Termination of Contract

　　本合同自甲方签字、乙方负责人或授权代理人签字并加盖公章之日起生效。担保需要交付的，自质物或权利凭证交付乙方占有之日起生效。需要登记的，自办妥登记之日起生效。至合同项下借款本息和相关费用全部清偿完毕后终止。

　　13.1 The contract shall go into effect after signed by Party A and responsible

　　person or the authorized representative of Party B， and sealed with common seal and special seal for contract. And it will be terminated on the day that the whole loan principal from the Party B under the contract has been paid off， including the principal， interests and relevant expenses. In case the guaranty needs to be delivered， the guaranty shall become effective upon delivery of document of title; in case that guaranty needs to be registered， the guaranty shall become effective upon settlement of registration.

　　第十四条附则Article 14 Supplementary Provisions

　　一、与本合同相关的文件，包括但不限于甲方向乙方提交的申请借款文件、资料、证明、凭证等，均为本合同的组成部分。

　　14.1 Any documentation related to this contract， including but not limited to，

　　loan application documents， materials， certificates， etc. submitted to Party B

　　from Party A， shall be parts under this contract.

　　二、本合同份数，详见本合同第十四条第九款。

　　第十五条具体约定Article 15 Detailed Provisions

　　一、本合同借款金额为人民币_____________(大写) ，___________(小写) .

　　15.1 The total amount of loan under this contract is： SAY ——RMB ONLY， that is to say， ——RMB.

　　二、本合同借款用于_____.15.2 The loan under this contact is used for study abroad.

　　三、本合同借款月利率为________‰。15.3 The monthly interest rate of loan under this contract is ‰。

　　四、本合同借款期限________月，自_______年_______月_____日起至________年______月________日止。还款总期数为_________期。

　　The term of loan under this contract is ——months， from——to ——。 Total

　　repayment periods are ——times.

　　五、账户名称：账号：开户行

　　15.5 Name of account A： Account number：

　　Account opening bank： China CITIC Bank

　　六、甲方选择的还款方式为_____________.每期还款日为_____________.甲方在乙方开立还款账户，账户一名称：_____________，账号：_____________;账户二名称：_____________，账号：______________.

　　15.6 The interest calculation type chosen by Party A is calculation by day.

　　Interest is settled by month， the loan principal and interest will be repaid by the

　　below way： interest will be paid off by month， principal will be repaid on due day，

　　monthly paid interest is ——RMB， the repayment day is——of each month.

　　Party A shall open a repayment account at Party B， with name account A：——account

　　number：——and name account B： __

　　__， account number：

　　___________________

　　The overdue penalty interest rate shall be overcharging 50% based on the interest rate stipulated in this contract， and penalty interest rate for misappropriate use shall be overcharging 100% based on the interest rate stipulated in this contract.

　　七、违约金为_____.Penalty： this contract shall be free of penalty.

　　八、本合同借款的担保方式为__________.

　　The guarantee type for the loan of this contract shall be house property

　　mortgage.

　　九、本合同一式_____份，甲、乙方各________份。

　　This contract shall be made in quadruplicate， having the same legal effect，

　　each for Party A， Party B， Real Estate Bureau and Party B.

　　第十六条其他约定事项Article 16 Other provisions

　　本贷款合同的英文版本仅供参考。如果中英文版本有表达歧义，则以作为中文为准。

　　The English version of this loan contract is for reference only. If there is any

　　inconsistency between the Chinese and English versions of this contract， the

　　Chinese version shall prevail for all purposes.

　　甲方(签字)Party A (signature)

　　乙方(公章)Party B (common seal/ special contract seal)

　　乙方负责人(签字)Responsible or authorized representative of Party B(signature)

　　抵押人(签字)Mortgager (signature)

　　出质人(签字)Pledger (signature)

　　保证人(公章)Guarantor (seal)

　　保证人法定代表人(签字)

　　Responsible or authorized representative of Guarantor (seal)

　　______年______月_____日 Date：

　　英文个人借款合同(二)

　　借款单位：_______________

　　法定代表人：________

　　贷款单位：_____________

　　法定代表人：________

　　保证单位：____________

　　法定代表人：________

　　签约日期：________

　　根据《中华人民共和国合同法》的规定，借款方为保证施工生产正常进行，向贷款方申请建筑企业流动资金贷款，经贷款方审查同意发放，为明确各方权责，特签订本合同共同遵守。

　　第一条本合同规定____ 年贷款额为人民币(大写)____ 万元，用于____ .

　　第二条借款方和贷款方必须共同遵守贷款办法，有关贷款事项按办法规定办理。

　　第三条贷款自支用之日起，按实际支用数计收利息，利率为月息____ ‰，超计划贷款的超过部分利率为月息____ ‰，逾期贷款加计利息20%，挪用贷款挪用部分加罚利息50%.

　　第四条贷款方保证按照本合同的规定供应资金，贷款方如因工作差错贻误用款，以致借款方遭受损失时，应按直接经济损失，由贷款方负责赔偿。

　　第五条贷款方有权检查贷款使用情况。检查时，借款方对调阅有关文件、帐册、凭证和报表，查核物资库存和施工生产情况等，必须给予方便。

　　第六条借款方如违反合同和贷款办法的规定，贷款方有权停止贷款，提前收回部分或全部贷款。

　　第七条担保方对借款方归还贷款本息承担责任，如果借款方未按期清偿贷款本息时，担保方应在接到贷款方还款通知后一个月内负责归还。

　　第八条本合同有效期：自____ 年____ 月____ 日起，至___ _ 年____ 月____ 日为止。

　　本合同正本一式三份，签章各方各执一份。

　　借款方：____________(盖章)________ 代表人____________

　　贷款方：____________(盖章)________ 代表人____________

　　担保方：____________(盖章)________ 代表人____________

　　借款合同英文范本

　　Contract Number： _____________

　　BORROWER： ________________

　　Address： _________________

　　LENDER： __________________

　　Address： _________________

　　In accordance with provisions of Contract Law of the Peoples Republic of China and Bank of China， after reviewing the status and the request of the Borrower， the Lender agrees to grant the Borrower a line of credit on . The Borrower， Lender and Guarantor， through friendly negotiation， have executed this Contract as follows：

　　ARTICLE 1 CURRENCY， AMOUNT AND TERM OF THE LOAN：

　　1. The Currency under this loan is Reiminbi.

　　2. The Line of the loan is yuan.

　　3. The period of this loan is 12 months from the date of effectiveness of this contract.

　　ARTICLE 2 THE PURPOSE OF THE LOAN：

　　1. The purpose of this loan is used for working capital turnover.

　　2. Without written approval of the Lender， the Borrower could not use the loan out of the scope of the purpose.

　　ARTICLE 3 INTEREST RATE AND CALCULATION OF INTEREST：

　　1. Interest rate： The interest rate shall be [***] During the loan term， if the countrys related authority adjusted the interest rate or the manner of calculation of interest， the interest of this contract shall be adjusted accordingly after one year from the date of execution of this contract. The adjustment shall be conducted when the interest rate are executed one year.It is not obliged to inform the Borrower when the adjustment of interest.

　　2. The interest shall be calculated from the date of first drawdown and the actual days the borrower use. One year shall be calculated as 360 days.

　　3. The payment of interests： The Borrower shall pay the interests per quarter. The payment date shall be ， and. If the payment for the last installment is not on the payment date，the interests shall deduct the interest from the bank account of the Borrower. In the event that the Borrower fails to pay the interests on time and the balance of the account of the Borrower is not enough for the payment of interest， the Lender shall have rights to collect a penalty being [***] of the outstanding amount per day for the Borrowers breach of contract.

　　ARTICLE 4 OVERDUE INTERESTS AND MISUSING INTERESTS

　　1. If the Borrower fails to repay the loan and can not reach a agreement with the Lender regarding the extension， the Lender shall collect an overdue penalty for [***] of the overdue amount per day.

　　2. If the Borrower fails to uses the loan in accordance with the provisions set forth in this contract， the Lender shall have right to charge a interests for the misusing part at a rate of [***] per day.

　　ARTICLE 5 ACCOUNT

　　The Borrower shall open Reiminbi basic account and/or foreign currency account at the Lender or Lenders branch for the use of draw-down， repayment，payment of interests and fees.

　　ARTICLE 6 DRAW-DOWN

　　1. The loan under this contract is revolving， the balance of this contract shall not more than the line of credit.

　　2. The Borrower shall send a draw-down application as the form herein attached in this contract 7 days before the date of draw-down.

　　3. The Borrower shall not draw the loan less than 1 million.

　　ARTICLE 7 CONDITIONS FOR DRAW-DOWN

　　The following conditions shall be satisfied in advance of the draw-down date：

　　1. The Borrower has opened foreign account and Reiminbi account at the office of the Lender or the branch of the Lender;

　　2. This contract and the appendices have been effective;

　　3. The Borrower has provided the recognition of the investment or certificate of the investment to the Lender;

　　4. The Borrower has provided the board resolution and power of attorney regarding this loan contract;

　　5. The Borrower has provided the list and the signature sample of the authorized person who empower to sign this contract and documents;

　　6. The Guaranty under this contract has been effective;

　　7. The Borrower has been satisfied the warrants under Article 11 of this contract;

　　8. The other requirement for the draw-down have been satisfied.

　　ARTICLE 8 REPAYMENT PLAN AND PREPAYMENT

　　1. The Borrower shall repay the loan in accordance with the status of its cash. The Borrower shall inform the Lender the payment amount and date [***] prior to make the payment. The Borrower shall be obliged to repay the principal and related interests on due date without any condition.

　　2. The payment made by the Borrower and the deduction from the account of the Borrower shall be used for repaying the interest at first and then for repaying the principal.

　　3. In the event the Borrower fails to repay the loan， the Lender shall have rights to deduct the debt from the bank account of the Borrower at the Lender or empower the branches of the Lender to deduct the debt from the bank account of the Borrower at the Lenders branches;

　　4. The installment of repayment shall not less than 1 million.

　　ARTICLE 9 DEBT CERTIFICATE

　　The Lender shall keep record in the Lenders account for the principal，interests and fees and other fees of the Borrower under this contract; The above mentioned record and the documentation for the draw-down， repayment and payment of interest is the certificates of the debts between the Borrower and the Lender.

　　ARTICLE 10 GUARANTY

　　1. (the 'Guarantor') shall be the guarantor for the loan under this contract and take jointly liabilities.

　　2. During the term of this contract， if the guarantors financial status become deteriorated or the liabilities for repayment of debts become weak， the Lender shall have right to request the Borrower changes guarantor orprovide mortgage and pawn secured for this loan under this contract.

　　ARTICLE 11 REPRESENTATIONS AND WARRANTIES

　　I. The Borrowers represents and warrants as follows：

　　1. The Borrower is a company duly organized and validly existing under the law of the Peoples Republic of China and has the power and authority to own its property to consummate the transactions contemplated in this contract and join the litigation. The Borrower has the power to handle it assets used in operation.

　　2. The Borrower is at its option to sign and perform this contract.It is the Borrowers true meaning and has the power to sign this contract and it is not breach it article of association or regulations or contracts. The procedure for signature and performance of this contract has been gone through and fully effectiveness.

　　3. The all documents， materials， reports and certificates provided to the Lender by the borrower for consummation of this contract is true， real， compete and effective

　　4. The Borrower shall not conceal the following events which is being happened or have been happened which will cause the Lender refuse to extend the loan：

　　(1) The Borrower or the principal executives of the Borrower involve in material events which breach regulations， laws or compensation to others;

　　(2) Pending actions and arbitration;

　　(3) The Borrowers debts or proposed debts or liens and other encumbrances;

　　(4) The other matters will impact the financial status or abilities of repayment for the debts;

　　(5) The Borrower breached contract which is between the Borrower and other creditors.

　　II. The Borrower hereby warrants as follows：

　　1. Using the capital of the loan as usage set forth in this contract， the Borrower will not use the loan as Equity investment; The Borrower will not use the capital of the loan invest in security， future， real estate etc. The Borrower will not lend to the others privately or involving other maters which is prohibited by the country. The Borrower will not misusing or appropriation of the loan.

　　2. Making payment and related expenses in accordance with the provisions set forth in this contract;

　　3. Providing updated financial statement or financial bulletin every quarter; Providing the audited financial report at the first quart of each year; Providing operation report， financial report or other files and materials and shall warrant the reality， correct and effectiveness for the files and materials;

　　4. Any anti-guaranty or other similar documents will not make any impact on the rights and benefits of the Lenders;

　　5. Accepting the supervision of the Lender， provides assistance and cooperation for the Lenders supervisions;

　　6. Will not reduce the registration capital; Prior approval from the lender shall be required when the Borrower changes of shareholders and operation manner(including but not limited to joint venture， cooperation， jointly cooperation; dissolution， closedown， liquidation， transformation; merger; change to share company， use the housing， machinery or other real assets or trademark， intellectual property， Knowhow， landing using rights or other intangible assets to invest in share company or investment company， trading of operation right or own right by contracting， joint operation， trusteeship)

　　7. The Borrower shall inform the Lender and warrants the liability under its security will not more than net assets of the Borrower when the Borrower guarantee for other party or mortgage its assets. The Borrower warrants that will not dispose the assets which will make adverse impact on its ability of paying debts.

　　8. The Borrower will not pay the other similar loans prior to the Lender;

　　9. The Borrower warrants to inform the Lender immediately when the following events occurred：

　　(1) The event of breach of contract under this contract or other loan or guaranty contracts between the Borrower and any branches of Bank of China or other banks， non-bank financial organization;

　　(2) The Borrower changes shareholders or revise the article of association;

　　(3) The Borrower suffer difficulties and bad result in financial and operation;

　　(4) The Borrower involves in material actions or arbitration;

　　10. The Borrower shall keep sufficient balance for repayment prior [***] to the due date.

　　11. The Borrower shall keep its bank transactions regarding income collection， sell foreign currency or buy foreign currency ect. Shall be conducted at the Lender or other branches of the Lender. The turn-over for the capital shall satisfy the demand of the Lender;

　　III. The Borrowers representations and warrants hereunder this contract shall be effective even though any mendment， supplements or revised to be made to this contract.

　　ARTICLE 12 REPRESENTATIONS AND WARRANTS OF THE LENDER

　　I. The Lender represents and warrants as follows：

　　1. The Lender is a state-owned commercial bank or branch duly organized and validly existing under the law of P.R.C and approved by the Industry and Commercial Administration and holds the financial institutions legal person licenses and financial institutions operation license to be qualified to operate financial business.

　　2. The Lender has taken all necessary action to authorize the execution of this contract and performance of its obligations under this contract. The Lender is duly authorized to extend this loan.

　　II. The Lender warrants as follows：

　　1. The Lender shall extend the loan in accordance with the provisions set forth in this Contract.

　　2. Collect interests in accordance with the regulations of the Peoples Bank.

　　ARTICLE 13 EVENTS OF BREACH CONTRACT AND SETTLEMENT：

　　I. Settlement of the Borrower breach of contract

　　1. Event of breach of contract：

　　(1) The Borrower fails to use the loan in accordance with the agreed usage of the Loan;

　　(2) The Borrower fails to repay the due principal and pay the interests， expenses or other payable in accordance with the agreed term of this contract;

　　(3) The Borrower breaches the representation and warrants set forth in Article 11.

　　(4) The Borrower breaches other loan agreements or guaranty agreements or the Guarantor breach the guaranty agreement which may make impact the Borrower to perform the obligations under this contract.

　　(5) Conclusive evidence to show that the Borrower lose the capacity of credit or during performance of the obligation under this contract， the financial conditions of the Guarantor are seriously deteriorating or other reasons caused the Guarantor the capacity of credit decline.

　　(6) The Borrower breaches the other obligations under this contract.

　　2. Under the above circumstances， the Lender shall have right to：

　　(1) Request the Borrower to rectify within the period designed by the Lender;

　　(2) Cease in extending the loan or cancel the credit;

　　(3) Declare the loan under this contract is due and the Lender shall have right to deduct the outstanding amount from the account of the Borrower. The Borrower shall not appeal against the Lender.

　　(4) Declare the loan is due under other loan agreements between the Lender and the Borrower， request the Borrower to repay the loan principals， interests， and other expenses.

　　II. The settlement for the Lender breach of the contract

　　1. The Lender fails to extend the loan as agreed in this contract without any reasons;

　　2. The Lender breaches the agreed interest rate and collection add interests or other fees;

　　3. The Lender breaches the provisions set forth in Article 12;

　　4. Under the above circumstances， the Borrower shall have right to：

　　(1) Request the Lender to rectify;

　　(2) Repay the loan ahead of time and refuse to pay any compensation for prepayment.

　　ARTICLE 14 DEDUCTION

　　The Borrower shall pay in full for the payment without any counteraction or any condition.

　　ARTICLE 15 ASSIGNMENT OF THE DEBT AND CREDIT

　　1. The Borrower shall not assign its right and liability under this contract to other third party without any written approval of the Lender;

　　2. In the event the Borrower assign its right and liability under this contract to other third party under the written consent of the Lender， the third party shall abide this contract without any condition.

　　ARTICLE 16 PERFORMANCE OF OBLIGATION AND WAIVER OF RIGHTS

　　1. The Borrower is independent contractor under this contract， it will not impact by any other relations between the Borrower with other party except the other provisions set forth in this contract.

　　2. The Lender give any extension， toleration， favor to the Borrower or permit the Borrower to delay of performance any obligation under this contract shall not impair any rights of the Lender in accordance with this contract and laws， regulation， it shall be deemed to have waived its rights under this contract and the obligation shall be performed by the Borrower under this contract.

　　ARTICLE 17 AMENDMENT， SUPPLEMENT AND INTERPRETATION OF THE CONTRACT

　　1. This contract could be amended and supplemented upon the written agreements conclude by the parties. Any a amendment and supplement shall be integral party of this contract.

　　2. In the event change of laws， regulations or legal practice which will cause any terms contained in this Contract become illegal， invalid or loss of practice， the other part of this contract shall not be impaired by it. The both parties shall make efforts to change the illegal， invalid or loss of practice part.

　　3. For the matters not referred in this contract shall be construed in accordance with the provisions of the Peoples Bank of China.

　　ARTICLE 18 DISPUTE RESOLUTION， GOVERNING LAW AND WAIVER OF EXEMPTION

　　1. The conclusion， interpretation and dispute resolution shall be subject to the Laws of the Peoples Republic of Chin. The disputes arising from the execution of this contract shall be settled through friendly consultation by both parties. In case no settlement can be reached， the disputes shall be submitted to the Peoples Court of the location of the Lender for judgment.

　　2. The Borrower shall not reject any obligation during the settlement of disputes.

　　3. The execution and performance of this contract and the related transaction is civil behavior. The Borrower shall not appeal to take action to exempt from the obligation under this contract.

　　(if both parties agree to apply arbitration， the above term shall be：)

　　1. The conclusion， interpretation and dispute resolution shall be subject to the Laws of the Peoples Republic of Chin. The dispute arising from the execution of this contract shall be settled through friendly consultation by both parties. In case no settlement can be reached， the disputes shall be submitted to China International Economic and trade arbitration commission for arbitration.

　　2. The arbitration shall be conducted in accordance with the Arbitration Law of Peoples Republic of China and Provisional Rules of Procedure of China international economic and trade arbitration commission.

　　3. During the Arbitration， this contract shall be effective and the Borrower shall not disclaim the any obligations under this contract.

　　4. The execution and performance of this contract and the related transaction is civil behavior. The Borrower shall not appeal to take action to exempt from the obligation under this contract.

　　ARTICLE 19 OTHER MATTER AGREED BY THE PARTIES.

　　ARTICLE 20 APPENDICES

　　The following appendices shall be integral part of this contract：

　　1. Draw-down application

　　2. _______________________

　　ARTICLE 21 NOTICE

　　1. Any notice， payment notice or telecommunications shall be forwarded to the following address：

　　To： The Borrower： _________________

　　Address： ______________________

　　Post Code： ____________________

　　Fax： __________________________

　　To： The Lender： ___________________

　　Address： ______________________

　　Post Code： ____________________

　　Fax： __________________________

　　2. If any change of address shall inform the other party immediately.

　　3. Any notice， payment request or communication shall be forwarded to the above address. The dates on which notices shall be deemed to have been effectively given shall be determined as follows：

　　(1) If given in letter it shall be deemed effectively given on the fifth day after the date mailed by registered airmail， postage prepaid;

　　(2) If given by telex it shall be deemed effectively given on the date the other party returned the information;

　　(3) If given by facsimile it shall be deemed effectively given on the first date of transmission;

　　(4) If given by personal delivery it shall be deemed effectively given on the date of personal delivery; This contract become effective after signed by the authorized representatives of both parties until the loan and the interests and other related expenses be cleared up. This contract is executed in _____ original and be equally authentic.Each of the Borrower， the Lender shall hold ____ copy.

　　Borrower： ______________

　　Lender： ________________

　　Date：___________________

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