借款合同范本中英文对照版

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1、借款合同范本中英文对照版借款合同范本中英文对照版借款合同范本中英文对照版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：联络 ：Post code： ：Contact number：贷款人以下简称乙方Lender hereinafter called Party B住所：Address of living place：联络 ：Post code： ：Contact number：抵押人：Mortgager：身份证件

2、名称及号码：ID name and code No：ID card Number住所：Address of living place：联络 ：Post code： ：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：联络 ：Post code： ：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：联络

3、：Post code： ：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 andGuarantee Law of the People&ls;s Republic of China， Party A， Party B and therelevant Guarantor， after reaching agreement through negotiations on t

4、he 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 借款用处 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

5、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展公告，不再另行书面通知甲方。3.2 During the term of this loan contract， interest may be changed as prescr

6、ibed by the People&ls;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、

7、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 thedate stipulated under this contract， the life of loan shall be calculated based onthe 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

8、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 providedevidences plying with requirements of Party B， and has pleted the loan lying and guaranteeing procedures， and has signed the legal docu

9、ments with check and roval of Party B.二、甲方受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 roved， Party A will grant Party B to transfer theloan into the account designated by Party A and roved by Party B accountname and account No.are given under Articl

10、e 14.5三、本合同项下的借款发放后，甲方就所购商品或效劳发生的任何纠纷，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 借款归还 Article 6 Repayment of the Loan一、甲方应根据乙方相关贷款方法规定，在下述四种还款方式中选择一种方式归

11、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，将当期应归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，并不可撤销地受权乙方于当期还款日直接从该账户划收应收款

12、项。6.2 The Party A shall pay off the principal， interest and other items in full priorto the stipulated due repayment day under this contract details under Article15.6， by depositing one of any repayment account opened by Party B account name and account No.are given in Article 14.6， and irrevocably

13、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那么，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。甲方违背本合同约定，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归还借款利息时，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 con

14、tract， failing to repay the funds on duedate or failing to pay funds in full， Party B has the right to charge higher interestrate on overdue loans as prescribed by the People？s Bank of Chinapenalty interest rate on overdue loan is stipulated under Article 15.6In case that Party A fails to use the fu

15、nds 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&ls;s Bank of China penalty interest rate on misropriation of loan is stipulated under Article 15.6For overdue loan or loan of misropriate use， Party B s

16、hall calculate the interest rate based on penalty interest rate from the day of overdue loan or misropriate 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 pound interest based on penalty interest rate.第七条 提早还款 Ar

17、ticle 7 Repayment in Advance甲方如欲提早还款，应于拟提早还款日前三十日将提早还款申请书及还款方案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前方可提早还款。提早还款日前已计收的利息不作调整。提早还款，乙方有权按提早还款金额的 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 lication and repaym

18、ent plan.After checking and confirming that Party A has no delay of loan principal and interest and haspaid off the current interest， Party B will roval the repayment ahead lication， then Party A can repay the loan in advance.The interest repayable before repayment-in-advance day shall not be adjust

19、ed.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 ofthis 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

20、物抵押给乙方，作为甲方归还本合同项下借款的担保。8.4.1 The mortgager voluntarily mortgages the property in Guaranty List-theAttachment 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 tomortgage the p

21、roperty and be restricted by this contract.三抵押担保范围：Scope of Guarantee1.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 pound interest， penalty interest under this contract； 2.违约金、赔偿金、补偿金；8.3.2 Penalty， pensation， 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 E_pens

22、es arising from realization of liability and guarantee rightincluding，but not limited to attorneys fees， assessment fee， auction fee， law suit fee，all-risk fee， travel e_pense etc.四抵押人必须按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 plete the registration of mortg

23、aged 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 Pa

24、rty B.五出现以下情形之一，乙方可以行使抵押权：8.4 Party B can e_ercise the mortgage right in case one of follog situations hens：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； 1Party A fails to repay the due loan payable and/or other items payablebased on this contract； 2.甲方违背本合同的约定，乙方宣布提早收回借款，乙方未受清偿或未受完全清偿的； 2Party breaches the contract

25、， party B claims to take back the loan in advance， and Party B fails to be paid off or not fully paid off；3.抵押人违背本合同的约定，擅自处分抵押物，或施行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回绝，乙方可以提早行使抵押权。3The mortgager breaches the contract by disposing the guaranty， or implements action enough to decrease the value of guara

26、nty， and Party B is refused of restoring the guaranty to original value or providing guarantee， Party B can e_ercise the mortgage right in advance.六乙方可选择以下方式之一实现抵押权：Party B can select any one of the follog ways to realize the mortgage right：1.与抵押人协议以抵押物折价受偿； 1Discount of mortgage in agreement with m

27、ortgager； 2.拍卖受偿；2Auction of guaranty； 3.变卖受偿；3Sale of mortgage； 4.法律允许的其他方式。4Other 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

28、 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，那么抵押关系终止。Under condition that Party A pays off the total loan principal and interest，and in fulfillment of all items under this contract， the mortgage relationshipshall terminate.九抵押权存续期间，抵押人应将其所知道或应当

29、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 awritten way all situations he knows or should know that have produced or mayproduce 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、保持抵押物完好无损的义务并随时承受乙方的监视与检查。Within the period of mort

30、gage， the entire guaranty shall be taken goodcare 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 thesupervision 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顿该行为，并要求

31、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 hen og to the action of mortgager， Party B has the right to request the mortgager to s the action and restore the value or provide guaranty worth the equal value of the decreases within ten10days.十二抵押权存续期间，抵押人可以将抵押物出借、

32、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，假设上述行为影响债权平安，贷款人有权要求抵押人制止施行上述行为。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 roval from Party B，the mortgager shall have no right to dispose the guaranty disposing wayincludes， but not limited to， transferring， renting， selling， donatin

33、g 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，应提早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 roval of Party B shall be used for paying off the loan ahead of schedule or changed to fi_ed deposit for guarantee.十四抵押人应当按照乙方的要求购置抵押财产等保险并以乙方为

34、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。如抵押人回绝办理续保手续，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当。As per the requests of Party B， the mortgager shall give an insuranceupon his guaranty， and Party B should be the insured enjoying right of e_clusive and being paid off with prior

35、ity/ 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 e_tended， the mortgager shall agree on the renewal insurance for the guaranty.The originals of insurance

36、policy and renewal order shall be kept by Party B.If mortgager refuses e_tending the insurance term， Party B has the right to deal with insurance term e_tending instead of mortgager， and the renewal insurance cost shall be taken on by the mortgager.Should any losses caused by refusal of insurance or

37、 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 orcancel 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早清偿本合同项下的债务。Within the period of

38、mortgage， should any accident hens to the guaranty， insurance pensation 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，抵押人仍承当担保责任。When Party B and Party A changethe contract including，

39、 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 bea

40、r 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，作为甲方归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

41、。The co-owner of the pledges under this contract agrees on pledging and be restricted by this contract.四出现以下情形之一，乙方可以行使质权：Party can e_ercise the pledge right in case one of follog situations hens：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 base

42、d on this contract； 2.乙方根据本合同的约定，提早收回借款，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，乙方可以提早行使质权。Should the value of pledges is decreased， and the pledger fails to provide

43、 guarantee required by Party B， Party B can e_ercise the pledge right in advance.五乙方可选择以下方式之一实现质权：Party B can select any one of the follog 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。Oth

44、er 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当担保责任。When Party B and Party A change the contractincluding， but not limited to， amount of loan， term of loan， interest rate， type of interest settlement， type of repayment， period of repayme

45、nt， repayment amount for each period， there is no need to ask for roval 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。甲方归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 c

46、onfirmation of Party B， and all certificates shall be kept by Party B.When Party A pays off the principal， interest and e_penses 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 t

47、he 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

48、 bees effective till the e_piring 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才能的变故时，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 bedissolved， or under insolvency to lose qualification of guarantee and abi

49、lity， 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，并承受乙方的监视和检查。9.1 Party A shall ensure the loan lication data are plete， true， valid andlegal， and cooperate with Party A to i

50、nvestigate， 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 providethe documents or certificates reflecting truly the financial status or ine ofParty A.三、本合同履行期间，甲方单 位、住所、联络方式等发生变化，应在变化发生后十日内通知乙方。9.3 Within per

51、iod of this contract， should any changes occur in pany， address， contact way of Party A， he shall inform Party B within ten 10days after the changes.四、甲方不得挪用借款。甲方借款不用于购置或退掉本合同约定的商品或效劳，应按提早还款与乙方结算，否那么，视为改变借款用处挪作他用。9.4 Party A shall not use the loan funds for other purpose than that prescribedunder th

52、is 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 misropriate 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才能的变化，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 Wit

53、hin period of this contract， should any changes hens or may hento the guarantor that influence his guaranteeing ability， Party A should notifyParty B in written way within five 5days after the changes and provide a new guarantee plying with requirement of Party B or take any remedial measures roved

54、by Party B within ten 10days.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 e_penses.七、本合同项下的按揭律师效劳费、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当。第十条 违约责任 Articl

55、e 10 Default Liability一、发生以下情况之一即构成违约：10.1 Fault liability occurs in case any one of the follog situations hens：一甲方改变借款用处；Party A changes the purpose of the loan； 二甲方违背本合同约定，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

56、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、丧失民事行为才能后无继承人、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、监护人回绝履行本合同； Party A is deceased， declared disearance or death， no heirs， donatee， property keeper， guardian after losing the capacity of civil co

57、nduct， 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、提供担保遭回绝； Within the period of the contract， in case that the mortgager disposesthe property without roval of Party B， or action of the mortgager can decrease the va

58、lue 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回绝乙方对其财务状况进展监视、检查；The guarantor provides false financial report or refuses the check and supervision of Party B on his financial status.八保证人违背本合同保证条款或丧失担保才能甲方未能提供符合乙方要求

59、的担保； The guarantor breaches the terms of this contract or loses the ability ofguarantee， 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

60、 the event of default， Party B has the right to take any one or a fewmeasures 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 pound interest as regulations of the People&ls;s Bank of China； 二要求甲方立即提早归还局部或全部借款，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 mor

61、tgage and/or pledge by law， to pay offthe 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 Notarization11.1 If any party under this contract makes request of notarization， this contractshall be not

62、arized by notary organ， and Party A shall be responsible for thee_pense.如任何一方提出对本合同进展公证，那么由公证机关进展公证，公证费用由甲方承当。11.2 If Party B requests the notarial deed of documents for creditor&ls;s rights withforce of pulsory e_ecution， Party A will agree that Party B could ly toissue the notarial deed with pulso

63、ry force with the notary organ.If Party Afails to pay off all loan principal， interest and relevant e_pense on due date， Party B could take the notarial deed directly to people&ls;s court with jurisdiction，lying for pulsory enforcement， and any charges due to that will be paidby Party A.Party A shal

64、l agree on the pulsory e_ecution by law unconditionally， and give up all and every right to defense.假如债权人要求对行使强迫执行权利进展公证，甲方将同意乙方向公证机关申请对该行为的公证。假如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，申请强迫执行，相关费用由甲方承当。甲方应按照法律无条件承受该强迫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