菲律宾首都银行消费性无担保贷款契约(中英文)

CONTRACTFORUNSECUREDCONSUMERLOANOFMETROPOLITANBANKANDTRUSTCOMPANY目 录CONTENTS第一条（契约类型） Article1(TypeofContract)第二条（借款金额或额度） Article2(LoanAmountorLimit)第三条（借款之交付） Article3(LoanDisbursement)第四条（借款期间） Article4(TermofLoan)第五条（借款利息计付方式） Article5(CalculationandPaymentofLoanInterest)第六条（利率调整之通知） Article6(NoticeofInterestRateChange)第七条（本息摊还方式与还款方式）Article7(AmortizationofPrincipalandInterestandRepaymentMethod)第八条（迟延利息及违约金） Article8(DelayInterestandPenalty)第九条（费用之收取） Article9(Fees)第十条（加速条款） Article10(AccelerationClause)第十一条（抵销权之行使） Article11(ExerciseofOffsetRight)第十二条（住所变更之告知） Article12(NoticeofAddressChange)第十三条（消费者信息之利用） Article13(UseofConsumerInformation)第十四条（委外催收之告知）Article14(NoticeofOutsourcingofCollectionOperation)第十五条（委外业务之处理） Article15(OutsourcingofBusinessOperations)第十六条（服务专线） Article16(ServiceHotline)第十七条(文字)Article17(GoverningLanguage)第十八条（管辖法院） Article18(Courtofjurisdiction)第十九条（契约之交付） Article19(DeliveryofContract)借款人____及保证人____声明于民国__年__月__日携回本契约详细审阅（契约审阅期间至少五日），并充分了解及确认，双方约定确实遵守所列各条款。Borrower____andGuarantor____herebystatethattheyhavetakenthisContractbackhomeon___(year)____(month)_____(day)forreview(atleastfivedaysshouldbeallowedforcontractreview),andtheyunderstandfullyandacceptthetermsandconditionsasagreedbytheparties.借款人__（以下简称「甲方」）兹向菲律宾首都银行（以下简称「乙方」）办理借款，双方约定确实遵守下列各条款：Borrower_________( “PartyA”)herebyappliesforaloanfromMetropolitanBankTrustCompany(“PartyB”),andthepartiesheretoagreetothetermsandconditionsbelow:第一条（契约类型） Article1(TypeofContract)本借款契约其借款金额拨付方式系指乙方核给甲方一借款金额，而乙方将该借款金额一次拨付予甲方之借款类型。TheContractreferstoPartyBgrantsPartyAaloanamountanddisbursestheloanproceedstoPartyAinonelumpsum.第二条（借款金额或额度） Article2(LoanAmountorLimit)甲方借款金额为新台币 ____元整。TheloanamountgrantedtoPartyAisNT$____.第三条（借款之交付） Article3(LoanDisbursement)（一）一次拨付型 (1)Lump-sumdisbursement:于乙方拨入甲方指定在 _____银行之______存款第_____号账户内，即视为乙方贷与款项之交付。PartyB’sloantoPartyAisdeemeddisbursedwhenPartyBdepositstheloanproceedsintoPartyA ’s____depositaccountNo.____________at________BankasinstructedbyPartyA.（二）循环动用型 (2)Revolvingloanfacility:于本借款额度及借款期限内，甲方凭存折及取款凭条、电话语音转帐或网络转帐，在甲方于乙方开设之 _____存款第_____号账户（以下简称「循环动用借款账户」）内由甲方循环动用，并于甲方提领时视为乙方贷与款项之交付。PartyB’sloantoPartyAisdeemeddisbursedwhenloanproceedsareavailableina_____depositaccountNo.____openedbyPartyAatPartyB(referredtoasthe “revolvingloandrawdownaccount”hereunder)fordrawdownbyPartyAandPartyAmakeswithdrawalfromtheaccountwithapassbookandawithdrawalslipormakestransferfromtheaccountviaphonebankingoronlinebankingduringthetermofloan.第四条（借款期间） Article4(TermofLoan)（一）一次拨付型 (1)Lump-sumdisbursement本借款期间____年____月，自民国____年____月____日起至民国____年____月____日止。Thisloanhasatermof____(years)___(months),startingon____(year)___(month)__(day)andendingon____(year)____(month)__(day).（二）循环动用型 (2)Revolvingloanfacility自民国____年____月____日起至民国____年____月____日止，共一年。契约期限届满前乙方如不同意续约，应至迟于契约期限届满之三十日前(不含契约期限届满当日)，以书面通知甲方；乙方如未依前述规定办理，甲方得主张依同一契约内容续约一年，不另换约。Thisloanhasatermofoneyear,startingon_______(year)_________(month)_____(day)andendingon____(year)____(month)_____(day).IfPartyBdecidesnottorenewtheContractpriortoitsexpiration,PartyBshall,nolaterthan30daysbeforetheexpirationdate(excludingthedayonwhichtheContractexpires),notifyPartyAinwriting.ShouldPartyBfailstoactaccordingtotheprecedingprovision,PartyAmayclaimthattheloanhasbeenrenewedforanotheryearunderthesametermsandconditionswithoutsigninganothercontract.第五条（借款利息计付方式） Article5(CalculationandPaymentofLoanInterest)本借款之利息以下列方式计付：按乙方基准利率（或其它指标利率）__％加年利率__％计算(合计年利率__％)；嗣后随乙方基准利率（或其它指标利率）变动而调整，并自调整日起，按调整后之年利率计算。前项所称之基准利率（或其它指标利率）以台银、合库、华银、一银及台湾土地银行等五家银行当期公告之「基准利率」之平均利率加年息 _____%订定之。利息计算方式，如下：按月计息，本金乘以年利率，再除以十二即得每月之利息额。不足一个月之畸零天数部分，则按日计息，即：一年(含闰年)以三百六十五日为计息基础，以本金乘以年利率、天数，再除以三百六十五即得畸零天数部分之利息额。Interestonthisloantobecalculatedandpaidaccordingtothefollowingmethods:CalculatedbyPartyB ’sprimerate(orotherbenchmarkrates)at____%plusanannualrateof____%(totaling___%perannum);theinterestratewillbeadjustedsubsequentlyasPartyB’sprimerate(orotherbenchmarkrates)changes,andinterestwillbecalculatedattheadjustedannualratestartingfromthedateofadjustment.Theprimerate(orotherbenchmarkrates)referredtoinParagraph1shallbebasedontheaverageofannounced “baserate”of5banks,i.e.theBankofTaiwan,TaiwanCooperativeBank,HuaNanComm ’lBank,FirstComm’lBankandLandBankofTaiwanplus_____%perannum..Interestiscalculatedmonthly,monthlyinterestistheprincipalmultipliedbyannualinterestandthendividedby12,andinterestontheportionlessthanamonthwillbecalculateddaily,thatis,interestwillbeaccruedonthebasisof365daysayear(includingleapyears)whereprincipalismultipliedbyannualinterestrateandthenumberofdayselapsedinthepartialmonthandthendividedby365.第六条（利率调整之通知） Article6(NoticeofInterestRateChange)乙方应于基准利率 (或其它指标利率 )调整时5日内将调整后之基准利率（或其它指标利率）告知甲方。未如期告知者，其为利率调升时，仍按原约定利率计算利息、迟延利息；其为利率调降时，则按调降之利率计算利息、迟延利息。前项告知方式，乙方除应于营业场所及网站公告外，双方另约定应以书面通知之方式告知乙方调整基准利率（或其它指标利率）时，甲方得请求乙方提供该笔借款按调整后利率计算之本息摊还方式及本息摊还表。依第五条第一项第五款个别约定利息计付方式者，其利率调整时，准用前三项之约定。WhenPartyBadjustsitsprimerate(orotherbenchmarkrates),PartyBshallnotifyPartyAoftheadjustedprimerate(orotherbenchmarkrates)within5days.IfPartyBfailstomakesuchnotificationinatimelymanner,theinterestanddelayinterestwillbecalculatedattheoriginallyagreedratewheninterestrateisadjustedhigher,andcalculatedatlowerratewheninterestrateisadjusteddown.PartyBshallposttheannouncementofinterestratechangementionedintheprecedingparagraphatitsbusinessplacesandonitswebsite,andinaddition,notifyPartyAviaawrittennoticeasmutuallyagreedbythepartiesWhenPartyBadjuststheprimerate(orotherbenchmarkrates),PartyAmayaskPartyBtoprovidetheprincipalandinterestrepaymentmethodandrepaymentschedulecalculatedbasedontheadjustedinterestrate.WhereinterestiscalculatedandpaidasagreedaccordingtoSubparagraph(5),ParagraphParagraph1ofArticle5,theprovisionsofprecedingthreeparagraphsshallapplywheninterestrateisadjusted.第七条（本息摊还方式与还款方式）Article7(AmortizationofPrincipalandInterestandRepaymentMethod)本借款本息摊还方式得约定下列方式：自实际拨款日起，依年金法，按月摊还本息。乙方应提供甲方借款本息计算方式及摊还表，并应告知网络或其它查询方式。乙方提供「无限制清偿期间」：甲方并得随时偿还借款或结清账户，无须支付违约金。Theprincipalandinterestoftheloanmayberepaidbythefollowingmethod:Startingfromtheactualdateofdisbursement,PartyAwillmakemonthlyamortizedpaymentonprincipalandinterestcalculatedbyannuitymethod.PartyBshouldprovidePartyAwiththemethodofcalculatingloanprincipalandinterestandrepaymentschedule,andinformPartyAofthemethodofinquiringloanpaymentonline.PartyBofferstheoptionof“noprepaymentpenalty”:PartyAmayrepaytheloanorclosetheaccountatanytimewithoutpayinganypenalty.第八条（迟延利息及违约金） Article8(DelayInterestandPenalty)甲方如迟延还本或付息时，乙方按原借款利率计算迟延期间之迟延利息者，始得收取违约金。上开违约金按下列方式计收：逾期六个月以内者，按原借款利率之百分之十，逾期超过六个月部分，按原借款利率之百分之二十，按期计收违约金，每次违约状态最高连续收取期数为九期。WherePartyAislateinrepayingtheprincipalorpayingtheinterest,PartyBmaychargepenaltyonlyifitcalculatesinterestduringthelatepaymentperiodattheoriginalloanrate.Theaforementionedpenaltywillbechargedbythefollowingmethods:Ifpaymentislessthansixmonthslate,defaultpenaltywillbechargedbybillingperiodattherateof10%oftheoriginalloanrate;fortheportionofpaymentoversixmonthslate,thepenaltywillbechargedattherateof20%oftheoriginalloanrate.Foreachincidenceofdefault,penaltymaybechargedonlyupfornineconsecutivebillingperiods.第九条（费用之收取） Article9(Fees)本借款之费用得约定如下： Loanfeesmaybeagreedonasfollows:（一）开办费：新台币 ___元整。（二）账户管理费：新台币 ___元整。前项所列费用均以收取一次为限。且除前项所列费用之项目与金额外，乙方不得另外收取其它费用。Up-frontcharge:NT$_______.Accountmanagementfee:NT$_________.Thefeeslistedintheprecedingparagraphmaybechargedonceonly.Asidefromthefeeitemsandamountslistedintheprecedingparagraph,PartyBmaynotchargeotherfees.第十条（加速条款） Article10(AccelerationClause)甲方对乙方任一借款所负之支付一切本息及费用之债务，均应依约定期限如数清偿。甲方如有下列情形之一，乙方得酌情缩短借款期限，或视为全部到期。但乙方依下列第二款、第六款及第七款之任一事由为前揭主张时，应于合理期间以书面通知甲方后，始生缩短借款期限，或视为全部到期之效力：(一)任何一宗债务不依约清偿本金者。(二)任何一宗债务不依约支付利息、费用、其它应付款项者。 (三)依破产法或消费者债务清理条例声请和解、声请宣告破产、经票据交换所通知拒绝往来、停止营业，清理债务者。(四)因债务人死亡而其继承人声明为抛弃继承者。(五)因刑事而受没收主要财产之宣告者。(六)甲方对乙方所负债务，其实际资金用途与乙方核定用途不符者。(七)受强制执行或假扣押、假处分或其它保全处分，致乙方有不能受偿之虞者。PartyAshallpayoffalldebtsinconnectionwithanyoftheloansgrantedbyPartyB,includingprincipal,interestandfees,accordingtotheagreedtermsandconditions.IncasePartyAhasanyofthefollowingsituations,PartyBhasthediscretiontoshortenthetermofloanorcalltheentireloandue.HoweverwhenPartyBmakesanyclaiminaccordancewithSubparagraph(2),(6),and(7)hereof,itshouldnotifyPartyAinwritingandgivePartyAareasonableperiodoftimebeforetheshorteningofloantermorthecallingofloantakeseffect:PartyAfailstorepaytheprincipalofanydebtasagreed.PartyAfailstopayinterest,feesandotherpayablesonanydebtasagreed.PartyAfilesforsettlementorvoluntarilyfilesorisbeingfiledfordeclarationofbankruptcyundertheBankruptcyActortheConsumerDebtClearanceAct,orthebillorcheckdrawnbyPartyAisbeingdeniedservicebytheclearinghouse,orPartyAceasesitsbusiness,orisintheprocessofdebtconsolidation.PartyApassesawayandhis/herheirswaiverightstoinherit.PartyA’smajorassetsarebeingseizedundercourtorderinconnectionwithacriminalcase.TheactualuseofproceedsfromloansgrantedbyPartyBisinconsistentwiththepurposeapprovedbyPartyB.PartyA’sassetsaresubjecttocompulsoryexecution,provisionalseizure,provisionaldispositionorotherprecautionarymeasuresthatitislikelyPartyBwillnotbeabletoreceiverepaymentfromPartyA.第十一条（抵销权之行使） Article11(ExerciseofOffsetRight)甲方不依本契约之约定按期摊付本息时，债权债务届期或依前条规定视为到期，乙方得将甲方及保证人寄存乙方之各种存款及对乙方之其它债权于必要范围内期前清偿，并将期前清偿款项抵销甲方对乙方所负本契约之债务。但甲方之存款及其对乙方之其它债权足以清偿本契约之债务者，则乙方对保证人不得行使抵销权。乙方依前项为抵销，其抵销之意思表示应以书面方式通知甲方及保证人，其内容应包括行使抵销权之事由、抵销权之种类及数额，并以下列顺序办理抵销：(一)甲方对乙方之债权先抵销，保证人对乙方之债权于乙方对甲方强制执行无效果后抵销。(二)已届清偿期者先抵销，未届清偿期者后抵销。(三)抵销存款时，以存款利率低者先抵销。WhenPartyAfailstomakeamortizedpaymentasagreedagreed,orwhenPartyA ’sdebtbecomesdueorisdeemeddueinaccordancewiththeprecedingarticle,PartyBhastherighttotreatthedepositsofPartyAandGuarantoratPartyBandallofPartyA’sclaimsoverPartyBasearlypaymenttoPartyBandusesuchearlypaymenttooffsetPartyA ’sdebttoPartyB.HoweverwhenPartyA ’sdepositsatPartyBandPartyA ’sotherclaimsoverPartyBaresufficienttopayoffPartyA ’sdebtsundertheContract,PartyBshallnotexerciseoffsetrightagainstGuarantor.WhenPartyBplanstocarryoutoffsetinaccordancewiththeprecedingparagraph,itshallnotifyPartyAandGuarantorofitsintentinwriting.Suchnoticeshallcontaininformationoncauseforexerciseofoffsetright,typesofoffsetrightsandamountsinvolved.PartyBshallcarryoutoffsetinthefollowingorder:(1)PartyA’sclaimsoverPartyBwillbeoffsetfirst,andGuarantor ’sclaimsoverPartyBwillbeoffsetafterPartyB’sactionofcompulsoryenforcementagainstPartyAisineffectual.Debtsthatareduewillbeoffsetfirstanddebtsthatarenotyetduewillbeoffsetlater.Whendepositsareusedforoffset,depositswithlowerinterestratewillbeoffsetfirst.第十二条（住所变更之告知） Article12(NoticeofAddressChange)甲方、保证人之住所或通讯处所或乙方之营业场所如有变更者，应立即以书面或甲乙双方约定之方式告知对方。如有应告知而未告知者，则他方以原址通知，并以寄出通知时视为已送达。WherePartyAorGuarantorchangeshisorherresidenceormailingaddress,orPartyBchangesitsbusinessplace,thechangingpartyshallimmediatelynotifytheotherpartyinwritingorinamannerasagreedbytheparties.第十三条（消费者信息之利用） Article13(UseofConsumerInformation)乙方仅得于履行本契约之目的范围内，搜集、处理及利用甲方及保证人之个人数据及与金融机构之往来资料。但相关法令另有规定者，不在此限。甲方及保证人：□不同意（甲方或保证人如不同意，乙方将无法提供本项贷款服务）□同意（二者择一勾选；未勾选者，视为不同意）乙方得将甲方及保证人与乙方之个人与授信往来资料提供予财团法人金融联合征信中心及受乙方遵循相关法令委任代为处理事务之人。但乙方经甲方及保证人同意而提供予前述机构之甲方及保证人与乙方往来数据如有错误或变更时，乙方应主动适时更正或补充，并要求前述机构或单位回复原状，及副知甲方或保证人。甲方或保证人提供乙方之相关资料，如遭乙方以外之机构或人员窃取、泄漏、窜改或其它侵害者，应尽速以适当方式通知甲方或保证人，且甲方或保证人向乙方要求提供相关数据流向情形时，乙方应即提供甲方或保证人该等数据流向之机构或人员名单。Unlessitisotherwiseprovidedbylaw,PartyBmaygather,processandusethepersonalinformationofPartyAandGuarantorandtheirinformationondealingswithfinancialinstitutionsonlytotheextentofservingthepurposeoftheContract.PartyAandGuarantor:Disagree(ifPartyAorGuarantordisagrees,PartyBwillnotbeabletoprovidethisloanservice).Agree.(Checkeitherone;ifneitherischecked,itisdeemedthatPartyAandGuarantordisagree).PartyBmayprovidethepersonalinformationofPartyAandGuarantorandinformationontheircredit-relateddealingswithPartyBtotheJointCreditInformationCenter(JCIC)andpersonscommissionedbyPartyBincompliancewithapplicableregulationstohandlemattersonPartyB ’sbehalf.HoweverwhenthedataandinformationofPartyAandGuarantorprovidedtotheaforementionedentitiesundertheirconsentcontainserror,PartyBshouldtaketheinitiativetomakecorrectionorsupplyadditionalinformationandasktheaforementionedentitiestorestorethestatusquo,andsendPartyAorGuarantoranoticeofthesame.IftheinformationprovidedbyPartyAorGuarantortoPartyBisstolen,leaked,alteredorotherwiseinfringedbyinstitutionsorpersonsotherthanPartyB,PartyBshallnotifyPartyAorGuarantorbyanappropriatemeansassoonaspossible,andifPartyAorGuarantorasksPartyBtofurnishtheflowofrelevantinformation,promptlyprovidePartyAorGuarantorwiththelistofinstitutionsorpersonsthathaveaccesstosuchinformation.第十四条（委外催收之告知）Article14(NoticeofOutsourcingofCollectionOperation)甲方如发生延滞逾期返还本金或利息时，乙方得将债务催收作业委外处理，并应于债务委外催收前以书面通知甲方与保证人。通知内容应依相关法令规定，载明受委托机构名称、催收金额、催收录音纪录保存期限，及其它相关事项。乙方应将受委托机构基本资料公布于乙方营业场所及网站。乙方未依第一项规定通知或受委托机构未依相关法令规定办理催收，致甲方或保证人受损者，乙方应负连带赔偿责任。WhenPartyAislateinrepayingprincipalorinterest,PartyBmayoutsourceitsdebtcollectionoperationandnotifyPartyAandGuarantorthesameinwritingbeforedoingso.Suchnoticeshallcontaininformationonthenameofoutsourcedcollectionserviceprovider,collectionamount,periodofretentionfortape-recordedcollectionrecord,andotherrelevantmattersasrequiredbyapplicableregulations.PartyBshallpostthebasicinformationoftheoutsourceddebtcollectionserviceprovideratitsbusinessplacesoronitswebsite.IfPartyBfailstosendnoticeaccordingtoParagraph1hereoforPartyB ’soutsourcedserviceproviderfailstoperformthecollectionactivitiesinaccordancewithapplicableregulations,PartyBshallbeheldjointlyliablefordamagesincurredbyPartyAorGuarantorthereof.第十五条（委外业务之处理） Article15(OutsourcingofBusinessOperations)乙方依主管机关相关法令规定，得将交易帐款收付业务、计算机处理业务或其它与本契约有关之附随业务，委托第三人（机构）处理。乙方依前项规定委外处理业务时，应督促并确保该等资料利用人遵照银行法及其它相关法令之保密规定，不得将该等有关资料泄漏予第三人。受乙方委托处理数据利用人，违反个人数据保护法规定，致个人资料遭不法搜集、处理、利用或其它侵害甲方或保证人权利者，甲方或保证人得依民法、个人数据保护法或其它相关法令规定，向乙方及其委托处理数据利用人请求连带赔偿。PartyBmay,inaccordancewithapplicableregulationssetforthbythecompetentauthorities,commissionthirdPartyBmay,inaccordancewithapplicableregulationssetforthbythecompetentauthorities,commissionthirdparties(institutions)tohandlethebillingandpaymentoperations,computerprocessingoperationorotheroperationsassociatedwiththeContract.WherePartyBhasoutsourceditsbusinessoperationsaccordingtotheprecedingparagraph,PartyBshallurgeandensurethatoutsourcedserviceproviderswillobservetheconfidentialityprovisionssetoutintheBankingActandotherapplicable