英文个人借款合同

1、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, PersonalMortgaging Loan, 2006, South Xilin Road Branch Personal LoanContract of ICBC Borrower: Authenticator: Money Lender:SouthXilin Road Branch, Industrial andCommer

2、ce Bank of China, Inner Mongolia. Under the Supervisionof Inner Mongolia Branch, ICBC This contract is signed, based onthe relevant laws and regulations, and the principle of equality andhonesty with free will, between the two parties for performing andguaranteeing the contract with their own obliga

3、tions. Loan ArticlesArticle 1 Loan Type. As per the borrower?s application, the moneylender is ready to extend a mortgaged/pledged loan to the borrower.1). Personal Auto Consumer Loan 2). Individual Durable ConsumerGoods Loan large in Sum 3). Individual Comprehensive ConsumerLoan 4). Individual Shor

4、t-TermMortgaging/pledging Loan (V) 6).Central Discount Loan for AidingCreditLoan SmallinSum 5).PersonalStudents 7). Local Discount Loan for Aiding Students 8). GeneralBusiness Loan for Aiding Students9) ._10) ._ Article 2Loan Purpose. The loan under the contract is used for studyingabroad. Not for s

5、ubscribing for, buying andselling shares or other kinds of investments involving rights andinterests, and any registered capital of an economic entity either.Article 3 The term of loan under the contract is 12 months, fromSep.14, 2006 to Sep.14, 2007. The actual day of releasing loan and maturity da

6、y shallbe subjectto the loan receipt. And theReceipt is an integralpart of this contract,which hasthe same law effect as the contract. Article 4 Amount of Loan. Theamount of loan is RMB 70,000. Article 5Loan Interests. Based on the related regulations about the interestrate in our country, the loan

7、interestshall be 5.61%o per month, of which the interest iscalculated from the day releasing loan. In case the interest rate is inneed 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 bysections; thos

8、e the loan term is more than one year, the interestrate shall begin to be regulated correspondingly and carried out atnew interest rate based on the floating proportion stipulated in thecontract from Jan. 1 next year after adjusted legally. Article 6Guarantee Mode. In the contract, it is on the basi

9、s ofmortgage/pledge mode, as detailed in the relevant termsconcerning guarantee in the contract. Article 7 Upon the contractcoming into effect, the money lender shall transfer the loan intoChen Wen (borrower)?s account, account No.0602005201000369161, and the opening bank is South Xilin RoadBranch,

10、ICBC. The money lender has the right to supervise the useof the money. As to the loans, such as personal auto consumer loan,individual durable consumer goods loan large in sumand theindividual loan (tuition loan) for aiding students, the borrower shallauthorize the money lender to transfer the money

11、 into the accountsof an auto dealer?s accounts, firm or school directly designated byhim, account No.:_,Depositor:_,Opening Bank:_ . Article 8 Repayment Ways. The borrower iswilling to repay the principal and interests in the first way.Repayment on installment shall be dividedinto_ terms in total ba

12、sed on_ (month,season), of which the first term of repayment shall be on.,while from the second term eachrepayment shall be paid off before the day due; and the last term ofrepayment shall be paid off before its maturity. Details about thesum of repayment shall be decided on the repayment schedule b

13、ythe money lender.1) Pay off the principal and interests in full when it expires 2) Theway of paying off money on equivalent principal 3) The way ofpaying off money on equivalent principal and interests 4) The wayof paying off money on increase (decrease) by degrees 5) Otherways Article9 The borrowe

14、r authorizes the money lender to take away the loanprincipal and interests from the followingaccount by means of withdrawing money with no bankbook on theday regulated in the contract. Depositor: ChenWen Peony Card No./ Current Bankbook No.:0602005201000369161 If the account mentioned is lost, froze

15、n,settled, or the Peony Card becomes invalid, or the borrower needsto change the account, the borrower shall come to the place wherethe money lender lives to settle the formalities of change. Before thechange formalities become effective, if the original account fordeducting money has no enough mone

16、y, the borrower shall cometo the site-Inner Mongolia South Xilin Road Branch, ICBC designedby the money lender to pay off the money. Article 10 Rights ofOffset. Should the borrower have not paid off the principal andinterests in a row for two terms or three months in the aggregate,the money lender w

17、ill have the right to deduct the relevant money,including principal and interests, penalty interests as well as otherexpenses for reaching the credit?s rights from the accounts(including the Fixed Account) opened by the borrower at the placewhere the money lender lives. While the money lender is exe

18、rtingthe offset rights to the borrower?s Fixed Account, it shall be handledin the way of calculating interest upon withdrawing money inadvance or part money withdrawn ahead of time,according to the regulations of Article 24 of“Savings ManagementRules”. The remaining part aftercompensating the princi

19、pal and interest for the part moneywithdrawn ahead of schedule shall be allowed to open a newbankbook 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 theborrowe

20、r. Article 11 Penalty Interests. The borrower shall repay theprincipal and interests in due course, if not repay them asscheduled time, the money lender will add a penalty interests whichis 0.221%oper day of the overdue loan. Article 12 Repayment in Advance. Ifthe borrower is able to pay off the mon

21、ey ahead of time, he shouldinform the money lender inadvance, and the interests of that part shall be calculated on daysactually taken, subject to the ways as detailed in Article 5 under thecontract. But for the part repayment ahead of time, the remaining ofthe unpaid should be rescheduled for a pla

22、n to pay off the money byboth sides again, and then do as what has rescheduled. If theborrower is able to pay off all the principal of the loan in advance, allthe interests should be settled up. Any formalities concerning therepayment in advance shall be handled at the counter of the branchof the mo

23、ney lender. Article 13 Borrowers Commitments: (1) Repaythe principal and interests on time. (2) In case there are anydangers to the loan safety, the borrower shall inform the moneylender in written form within 5 days after the incidents happened,andguarantee to pay off the principal and interests; (

24、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 moneylender to investigate, censor and check any aspects of personaleconomic income and expenses related to the loan; (4) Should anychanges occur in address, commu

25、nication, telephone, wageincome (for example, the monthly income is below 10% of the loanapplied) and others, the borrower shall inform the money lender inwritten form within 5 days after the changes; (5) The borrower shallsecure the fulfillment of paying off the loan without any excuses ordisputes

26、related to the third party.Article 14 Money Lender?s Commitments (1) To releasethe full loan on schedule; (2) To keep a secret for the borrower insuch areas as occupation, economic income and expenses etc.Article 15 Take back the loan in advance and the disposingguaranty Within the valid time of the

27、 contract, should the followingitems or factors affect the loan safety stipulated in the guaranteeterms occur, the money lender shall have the right to take back theloan or dispose the guaranty in advance in case of such followingsituations occurred, as well as inform the borrower and guarantor ofre

28、turning the money early, asking the borrower to pay off part or allthe principal and interests within the time specified (including theoverdue interests), andnot responsible for any losses caused by exercising theabove-mentioned rights legitimately: I. In case the borrowerbreaches any commitments in

29、 the loan terms of the contract; II. Ifthe borrower subscribes for or buys stocks or other rightsinvestment; III. If the borrower has lost his ability of civil behavior,disappearance or death or no heirs or the obligations undertaken bythe person bequeathed; IV. If the heirs or the person bequeathed

30、 orthe property administer on behalf of the borrower refuses to pay offthe principal and interest for the borrower; V. According to thestipulations in the loan terms, in case of the guarantor (guaranty)changed, which leads to the obligations performed by the guarantorahead of schedule or the disposa

31、l of guaranty by the money lenderin advance; or any actions the borrower may take which influencereturning the principal and interests to the money lender; VI. For themortgage loan guaranteed, in case the borrower is not able to payback the principal and interests punctually for the period of twoses

32、sions in a row or three months in the aggregate; VII. For themortgage loan guaranteed, in case the borrower is not able to payback the loan punctually and thus gets the loan overdue less thanone month; Article 16 All charges in evaluation, registry, insuranceand notarization etc for making and carry

33、ing out the contract shallbe paid by the borrower. Guarantee Clauses Article 17 Theguarantor voluntarily provides the borrower with the joint liabilityassurance. When the borrower fails to fulfil the obligations ofreturning the money as perthe contract, the guarantor promises to carry out the obliga

34、tion ofpaying back the money as the money lender requires. Article 18The scope of guarantee responsibility contains the principal,interests, penalty interests and other expenses of reachingcreditor's rights.Article 19 The guatantee periodis two years, calculation is carried out from the moment w

35、hen theexpiring day comes as per the provision of loan clauses in thecontract. For the payment on instalment, the guarantee period shallbe calculated from the day when the borrower fails to pay back theloan of each term punctually. In case the money lender takes backthe loan early as per the stipula

36、tionsof the contract, then the guatantee responsibility of the guarantorshall be performed ahead of schedule. Article 20 No need to get theguarantor?s approval in case the money lender carrys out a newinterest rate owing to any adjustment by policies on interest rate.Article 21 In case the borrower

37、fails to do the obligations of repayingthe principal and interests and other corresponding expenses asstipulated in the loan clauses, the money lender shall have the rightto directly recover the debt against the guarantor. The guarantorshall secure the fulfillment of repaying the above money within

38、fivedays upon receiving the written notice from the money lender.Article 22 The guarantor shall pledge himself to have enough abilityin bearing the guarantee responsibility, and not be free from theresponsibilities in such cases as any instructions, changes infinancial resources and any agreements s

39、igned with a unit orindividual happened to the guarantor. Article 23 As soon as thecontract comes into effect, the guarantor shall agree to investigationon his capital and property state madeby the moneylender, andprovide the relevant economic situations and information timely.Article 24 During the

40、period of implementing the contract, if theguarantor provides a guarantee to the third party again, ensuring noharm to the interests of money lender. Article 25 The ?Loan Terms?in the contract, of which as the results of some reasons part orwhole is of no effect, shall not influence the effectivenes

41、sof ?Guarantee Terms?, the guarantor shall continue to beresponsible for what stipulated. Pledge Terms Article 26 Thepledgor maymortgage the whole rights and interests of the pledge (right) on thePledge (Right) List which he has the right to dispose to the moneylender, and the List is an integrated

42、part of the contract. Article 27The scope of pledge guarantee is principal, interests, penaltyinterests related to the contract and the expenses of reaching thecreditor?s rights. Article 28 Pledgor?s Commitments I. To pledgethings which he possesses legally, and the pledging deed is trueand legal; I

43、I.To submit the pledge or its certificates of right to the money lenderon the day the loan released; III. To be responsible for handling theregistry, notarization, evaluation and authentication etc related tothe contract and all expenses. Article 29 If for the pledgor whosedate of fulfilling the ple

44、dge rights is prior to that of performing themain debts, the money lender may match his commitments beforethe maturity of fulfilling the debts. After the money lender hasmatched his commitments as the previous provisions, throughnegotiation with the pledgor, ahead of time he will pay off thecreditor

45、?s rights guaranteed by the pledgor with the money cashed,or deposit it as the pledgingproperty into the account designated by the money lender. Article30 In case the following situations happened, thepledgor/mortgagor shall inform the money lender in written form: (1)Any disputes on the right of pl

46、edge/guaranty; (2) Any lawsuitsinvolving some important economic disputes; (3) Any changes onthe pledgor?s side in address, telephone (including BP and mobilephone) and so on. Should the above-mentioned happened, thepledgor/mortgagor shall inform the money lender within 7 days afterthe incidents. Ar

47、ticle 31When the performing date has expired as per the regulations of“ Loan Terms”, if the money lender has not been paid off oraccording to the“ Loan Terms”he has claimed to tack back the loan in advance but no results, hewill have the right to dispose the pledge/guaranty and get a priorcompensati

48、on with the money. Article 32 In case the money lenderis ready to disposethe pledge subject to the contract, yet the right under the pledge hasnot been mature, the money lender shall have the right to cash thepledge in advance, any losses like interests caused by this shall beshouldered bythe pledgo

49、r. The Fixed Deposit Receipt cashed in advance shall bedisposed as exercising the offset rights against it stipulated inArticle 9 of the contract. The Certificate National Debts cashed inadvance shall be handled as the procedures stipulated in Article 11of“The Certificate National Debts Pledging/Mor

50、tgaging LoanMeasures”enacted by The People?s Bank of China and Ministryof Finance on July9, 1999. Article 33 In case any causes get part or whole of the“ Loan Terms”under the contract out of effect, no influences onthe legal effects of “ Pledge/Mortgage Terms”, and the pledgorshall go on with his du

51、tiesas what stipulated. Article 34 Mortgage Terms The mortgagermortgages the property which he has the right to dispose, all themortgage property shall be shown on the Guaranty List, which shallbe an integrating part of the contract. Article 35 The scope ofmortgage guarantee contains the principal,

52、interests, penaltyinterests and other expenses of reaching the creditor?s rights underthe contract. Article 36 On the day when the mortgage under thecontract has been set and its registration has been finished, themortgager shallhand over the ownership certificate of the guaranty and themortgage reg

53、istrationcertificateetc. to the moneylender, in the custody of the latter.Article37 Duringthe period of mortgage, all the guaranty shall be taken good care ofby the mortgager, who as well responsible for repair andmaintenance to make sure that the guaranty is all preserved well,and subject himself t

54、o the supervision and inspection from themoney lender at any time. Article 38 As per the requests of themoney lender, the mortgager shall give an insurance upon hisguaranty,and allthe insurance procedures ofthemortgagepropertyshallbe completed beforethecontractcomes intoeffect,and of which the insur

55、ancetime shall be longer than that of loan. Article 39Within the period of mortgage, should any damages happen withinthe scope of insurance, or any decreases in mortgage valueoriginated from the third party occur, the insurance compensation ordamage compensation shall be repaid ahead of schedule. Ar

56、ticle40 Within the period of mortgage, should any decreases happenowing to the faults of mortgager or other causes, the borrower ormortgager shall provide the money lender with the guarantee worththe equal value of the decreases within thirty days. Article 41 Withinthe period of mortgage, without an

57、y written approval from themoney lender, the mortgager shall have no right to rent, sell,re-mortgage the guaranty, or for debts or donations etc. Any lossesto the money lender caused by this shall be shouldered by themortgager. Any money got by transferring the guaranty based onthe approval of the m

58、oney lender shall be used for paying off theloan ahead of schedule. Article 42 Within the period of mortgage, incase the money lender thinks it necessary to reevaluate theguaranty, with which the mortgager must cooperate. After thereevaluation, when the money lender thinks that the value ofguaranty

59、is inadequate in guaranteeing his creditor?s rights, theborroweror mortgagershall add new guarantyasguarantee.Article43Should what happen asthestatementin Article15, the money lenderdeclarestheloan taken back early, but for the part not paid off the money lenderhas the right to dispose the guaranty

60、in advance. Article 44 Settingthe 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 (her