2025年度个人小额消费抵押借款合同范本3篇

20XX专业合同封面COUNTRACTCOVER20XX专业合同封面COUNTRACTCOVER甲方：XXX乙方：XXXPERSONALRESUMERESUME2025年度个人小额消费抵押借款合同范本本合同目录一览1.合同当事人信息1.1借款人信息1.2借款人担保人信息1.3借款人代理人信息2.借款金额与期限2.1借款金额2.2借款期限2.3还款方式3.利息计算与支付3.1利息计算方法3.2利息支付方式3.3利息支付时间4.抵押物信息4.1抵押物名称4.2抵押物描述4.3抵押物价值评估5.抵押物权利转移5.1抵押权设立5.2抵押权登记5.3抵押权行使6.抵押物保管6.1抵押物保管责任6.2抵押物保管方式6.3抵押物保管费用7.抵押物处置7.1抵押物处置条件7.2抵押物处置程序7.3抵押物处置收益分配8.违约责任8.1借款人违约责任8.2借款人担保人违约责任8.3抵押权人违约责任9.争议解决9.1争议解决方式9.2争议解决机构9.3争议解决费用10.合同解除10.1合同解除条件10.2合同解除程序10.3合同解除后果11.合同生效与终止11.1合同生效条件11.2合同终止条件11.3合同终止程序12.通知与送达12.1通知方式12.2送达方式12.3送达地址13.其他约定事项13.1合同附件13.2合同附件效力13.3合同附件变更14.合同签署与生效日期14.1合同签署日期14.2合同生效日期14.3合同签署地点第一部分：合同如下：1.合同当事人信息1.1借款人信息借款人姓名：__________________借款人身份证号码：__________________借款人住址：__________________1.2借款人担保人信息担保人姓名：__________________担保人身份证号码：__________________担保人住址：__________________1.3借款人代理人信息代理人姓名：__________________代理人身份证号码：__________________代理人住址：__________________2.借款金额与期限2.1借款金额借款金额：人民币_________元整。2.2借款期限借款期限：自____年__月__日起至____年__月__日止。2.3还款方式（1）每月还款日：每月____日；（2）还款金额：每月还款总额为人民币_________元整；（3）还款方式：银行转账、现金或支票。3.利息计算与支付3.1利息计算方法借款利息按月计收，利率为年利率_____%，按实际天数计算利息。3.2利息支付方式借款人应在每月还款日当天支付当月利息。3.3利息支付时间利息支付时间与还款时间相同，即每月____日。4.抵押物信息4.1抵押物名称抵押物名称：__________________4.2抵押物描述抵押物为借款人所有，位于__________________，具体描述如下：__________________4.3抵押物价值评估抵押物经评估机构评估，价值为人民币_________元整。5.抵押物权利转移5.1抵押权设立借款人同意将抵押物抵押给抵押权人，抵押权人取得抵押物的抵押权。5.2抵押权登记抵押权人应在抵押权设立之日起____日内办理抵押权登记手续。5.3抵押权行使抵押权人有权在借款人未按时偿还借款本息的情况下，行使抵押权处置抵押物。6.抵押物保管6.1抵押物保管责任借款人应妥善保管抵押物，确保抵押物的安全与完整。6.2抵押物保管方式抵押物由借款人自行保管，抵押权人有权随时检查抵押物。6.3抵押物保管费用抵押物保管费用由借款人承担，具体费用金额另行约定。7.抵押物处置7.1抵押物处置条件借款人未按时偿还借款本息达到____个月，抵押权人有权处置抵押物。7.2抵押物处置程序（1）发出处置抵押物的通知；（2）确定处置抵押物的价格；（3）进行公开拍卖或转让；（4）将处置所得款项优先用于偿还借款本息；7.3抵押物处置收益分配（1）支付抵押物保管费用；（2）支付抵押权人处置费用；（3）退还借款人。8.违约责任8.1借款人违约责任（1）借款人未按时偿还借款本息，应向抵押权人支付_____%的违约金。（2）借款人未履行合同约定的其他义务，应承担相应的违约责任。8.2借款人担保人违约责任（1）担保人未履行担保义务，应承担相应的违约责任。（2）担保人因自身原因导致借款人无法偿还借款，应承担相应的违约责任。8.3抵押权人违约责任（1）抵押权人未按合同约定行使抵押权，应承担相应的违约责任。（2）抵押权人因自身原因导致抵押物受损，应承担相应的赔偿责任。9.争议解决9.1争议解决方式双方发生争议，应通过友好协商解决。协商不成的，任何一方均有权向合同签订地人民法院提起诉讼。9.2争议解决机构双方同意将争议提交至合同签订地的人民法院解决。9.3争议解决费用争议解决过程中产生的费用，由败诉方承担。10.合同解除10.1合同解除条件（1）借款人严重违约，经抵押权人书面通知后，仍未履行义务；（2）抵押权人行使抵押权，抵押物处置完毕；（3）双方协商一致解除合同。10.2合同解除程序（1）一方提出解除合同，应书面通知另一方；（2）自收到解除合同通知之日起____日内，双方应协商确定合同解除的具体事宜；（3）合同解除后，双方应按照约定办理相关手续。10.3合同解除后果合同解除后，借款人应立即偿还借款本息，抵押权人应解除抵押权。11.合同生效与终止11.1合同生效条件本合同自双方签字（或盖章）之日起生效。11.2合同终止条件（1）借款本息全部清偿；（2）抵押权人行使抵押权，抵押物处置完毕；（3）双方协商一致终止合同。11.3合同终止程序合同终止后，双方应按照约定办理相关手续。12.通知与送达12.1通知方式（1）直接送达；（2）邮寄送达；（3）传真或电子邮件送达。12.2送达方式送达地址为双方在合同中约定的地址。12.3送达地址（1）借款人送达地址：__________________（2）抵押权人送达地址：__________________13.其他约定事项13.1合同附件本合同附件与本合同具有同等法律效力。13.2合同附件效力合同附件的变更或补充，应经双方书面同意，并作为本合同的组成部分。13.3合同附件变更合同附件的变更，应采用书面形式，并由双方签字（或盖章）确认。14.合同签署与生效日期14.1合同签署日期本合同于____年__月__日签署。14.2合同生效日期本合同自双方签字（或盖章）之日起生效。14.3合同签署地点本合同签署地点为__________________。第二部分：第三方介入后的修正1.第三方介入的概念与定义1.1第三方的概念在本合同中，“第三方”是指除借款人、抵押权人、担保人之外的，参与本合同履行过程中的任何自然人、法人或其他组织。1.2第三方的定义第三方包括但不限于中介机构、评估机构、律师事务所、会计师事务所等，以及任何被借款人、抵押权人、担保人授权或委托参与本合同履行的其他第三方。2.第三方介入的范围与条件2.1第三方介入的范围（1）借款申请的审查与审核；（2）抵押物的评估与鉴定；（3）合同文本的起草与审核；（4）合同履行的监督与协调；（5）争议解决与纠纷调解。2.2第三方介入的条件（1）第三方应具备相应的资质和条件；（2）借款人、抵押权人、担保人应同意第三方的介入；（3）第三方应与借款人、抵押权人、担保人签订书面协议，明确各自的权利义务。3.第三方的责权利3.1第三方的权利（1）第三方有权根据协议约定，获取必要的合同履行信息；（2）第三方有权根据协议约定，对借款人、抵押权人、担保人的行为进行监督和协调；（3）第三方有权根据协议约定，收取相应的服务费用。3.2第三方的义务（1）第三方应按照协议约定，履行相应的职责；（2）第三方应保守合同履行过程中的商业秘密；（3）第三方应确保其提供的意见、建议和方案不违反法律法规和合同约定。4.第三方责任限额4.1第三方责任限额的定义第三方责任限额是指第三方在履行职责过程中，因其过失导致借款人、抵押权人、担保人遭受损失时，应承担的最高赔偿限额。4.2第三方责任限额的确定（1）第三方介入的范围和深度；（2）第三方提供服务的性质和内容；（3）第三方在履行职责过程中的谨慎程度；（4）第三方提供的保险或其他风险转移措施。4.3第三方责任限额的约定（1）在第三方介入协议中，应明确约定第三方责任限额；（2）如第三方责任限额未在协议中约定，则默认为人民币____元整。5.第三方与其他各方的划分说明5.1第三方与借款人的划分第三方与借款人之间，应明确划分各自的权利义务，第三方不得干预借款人的正常经营活动。5.2第三方与抵押权人的划分第三方与抵押权人之间，应明确划分各自的权利义务，第三方不得干预抵押权人的抵押权行使。5.3第三方与担保人的划分第三方与担保人之间，应明确划分各自的权利义务，第三方不得干预担保人的担保义务履行。6.第三方介入后的合同变更6.1合同变更的条件（1）变更内容不影响借款人、抵押权人、担保人的合法权益；（2）变更内容不违反法律法规和合同约定。6.2合同变更的程序（1）提出变更申请；（2）经借款人、抵押权人、担保人及第三方协商一致；（3）签订书面变更协议，并作为本合同的附件。7.第三方介入后的争议解决7.1争议解决方式第三方介入本合同后，如发生争议，应通过友好协商解决。协商不成的，任何一方均有权向合同签订地人民法院提起诉讼。7.2争议解决机构双方同意将争议提交至合同签订地的人民法院解决。7.3争议解决费用争议解决过程中产生的费用，由败诉方承担。第三方介入产生的争议解决费用，按照协议约定承担。第三部分：其他补充性说明和解释说明一：附件列表：1.附件一：借款人身份证明文件要求：借款人身份证复印件、户口本复印件等有效身份证明文件。说明：用于证明借款人的身份信息真实有效。2.附件二：借款人收入证明文件要求：借款人工资单、银行流水、纳税证明等收入证明文件。说明：用于证明借款人有稳定的收入来源，具备偿还借款的能力。3.附件三：抵押物评估报告要求：由具有相应资质的评估机构出具的抵押物评估报告。说明：用于确定抵押物的价值，作为抵押权人行使抵押权的依据。4.附件四：抵押物所有权证明文件要求：抵押物的房产证、土地证、车辆行驶证等所有权证明文件。说明：用于证明抵押物的所有权归属，确保抵押物的合法性。5.附件五：担保人担保函要求：担保人出具的书面担保函，明确担保人的担保责任。说明：用于证明担保人愿意承担借款人的还款责任。6.附件六：中介服务协议要求：中介机构与借款人、抵押权人、担保人签订的服务协议。说明：用于明确中介机构在合同履行过程中的权利义务。7.附件七：合同变更协议要求：双方签订的书面合同变更协议。说明：用于记录合同变更的内容，确保合同的有效性。8.附件八：争议解决协议要求：双方签订的书面争议解决协议。说明：用于明确争议解决的方式和机构，保障双方的合法权益。说明二：违约行为及责任认定：1.违约行为：（1）借款人未按时偿还借款本息；（2）借款人未履行合同约定的其他义务；（3）抵押权人未按合同约定行使抵押权；（4）担保人未履行担保义务；（5）第三方未履行协议约定的职责。2.责任认定标准：（1）借款人违约：借款人未按时偿还借款本息，应向抵押权人支付_____%的违约金。（2）抵押权人违约：抵押权人未按合同约定行使抵押权，应承担相应的违约责任。（3）担保人违约：担保人未履行担保义务，应承担相应的违约责任。（4）第三方违约：第三方未履行协议约定的职责，应承担相应的违约责任。3.违约责任示例：（1）借款人违约示例：借款人未按时偿还借款本息，逾期一个月，应向抵押权人支付人民币____元违约金。（2）抵押权人违约示例：抵押权人未按合同约定行使抵押权，导致抵押物受损，应承担相应的赔偿责任。（3）担保人违约示例：担保人未履行担保义务，导致借款人无法偿还借款，应承担相应的违约责任。（4）第三方违约示例：第三方未履行协议约定的职责，导致借款人、抵押权人、担保人遭受损失，应承担相应的违约责任。全文完。2025年度个人小额消费抵押借款合同范本1合同编号_________一、合同主体1.甲方（借款人）：名称：____________________地址：____________________联系人：____________________联系电话：____________________2.乙方（贷款人）：名称：____________________地址：____________________联系人：____________________联系电话：____________________3.其他相关方：（如有其他相关方，请在此处填写）二、合同前言2.1背景为满足甲方在2025年度的个人小额消费需求，乙方同意向甲方提供抵押贷款服务。双方本着平等、自愿、公平、诚实信用的原则，经友好协商，特订立本合同。2.2目的本合同旨在明确甲乙双方在2025年度个人小额消费抵押借款业务中的权利义务，确保双方在履行合同过程中合法权益得到保障。三、定义与解释3.1专业术语1.抵押：指甲方以其合法拥有的房产、车辆等财产作为担保，向乙方借款的行为。2.借款：指甲方向乙方借取一定金额的货币，并在约定的期限内偿还本金及利息的行为。3.利息：指乙方因向甲方提供借款而收取的报酬。3.2关键词解释1.本合同：指本合同全文及其附件。2.抵押物：指甲方提供给乙方的用于抵押的房产、车辆等财产。3.借款期限：指甲方从乙方取得借款至全部偿还借款本金及利息的期限。四、权利与义务4.1甲方的权利和义务1.在符合合同约定的情况下，甲方有权向乙方申请借款。2.甲方应按照合同约定，在规定的时间内向乙方偿还借款本金及利息。3.甲方应妥善保管抵押物，不得擅自处分。4.1乙方的权利和义务1.乙方有权审查甲方的借款申请，并在符合合同约定的情况下，决定是否批准借款。2.乙方应按照合同约定，向甲方提供借款。3.乙方有权在借款期限内，对甲方的借款使用情况进行监督。4.乙方有权要求甲方提供与借款相关的资料。五、履行条款5.1合同履行时间本合同自双方签字（或盖章）之日起生效，借款期限为____年，自借款发放之日起计算。5.2合同履行地点借款发放地点：____________________借款偿还地点：____________________5.3合同履行方式1.借款发放：乙方应在合同生效后____个工作日内，将借款本金一次性发放至甲方指定的银行账户。2.借款偿还：甲方应按照合同约定，在借款期限内分期偿还借款本金及利息。六、合同的生效和终止6.1生效条件本合同自双方签字（或盖章）之日起生效。6.2终止条件1.借款期限届满，甲方已偿还全部借款本金及利息。2.经甲乙双方协商一致，解除本合同。6.3终止程序1.本合同终止，甲乙双方应书面通知对方。2.本合同终止后，乙方应将抵押物返还甲方。6.4终止后果1.本合同终止后，甲方应按照合同约定，在规定的时间内偿还全部借款本金及利息。2.本合同终止后，乙方不再承担本合同约定的义务。______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________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