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《個(gè)人消費(fèi)貸款借款擔(dān)保合同范本》由會(huì)員上傳分享，免費(fèi)在線閱讀，更多相關(guān)內(nèi)容在應(yīng)用文檔-天天文庫(kù)。
1、個(gè)人消費(fèi)貸款借款擔(dān)保合同范本 借款人：Borrower 貸款人：Lender 抵押人：mortgagor 保證人：Surety 出質(zhì)人：Pledgeor 為明確各方權(quán)利和義務(wù)，根據(jù)《合同法》、《貸款通則》和其他有關(guān)法律、法規(guī)，訂立本合同?！ hiscontractismadeinlinewiththecontractLawofthePeople'sRepublicofchinaandTheGeneralProvisionsofLoansofthePeople'sBankofchinatospecifytherightsandobligationsofparties
2、involved. 借貸條款LoanBorrowingclause 第一條借款金額。見 Article1.Amountofloan:Referto 第二條借款用途。見 Article2.Purposeofloan:Referto 第三條借款期限。Article3.Lifeofloan 見。Referto 借據(jù)或貸款憑證是本合同不可分割的組成部分。借款的實(shí)際放款日和還款日以借款人、貸款人雙方辦理的借據(jù)或憑證上所記載的日期為準(zhǔn)。除日期外，借據(jù)或憑證其他記載事項(xiàng)如與本合同不一致的，以本合同為準(zhǔn)。 Acertificateofindebtednessoraloanvo
3、ucherisanintegralpartofthiscontract.Thedateofadvanceandpaymentduedateshallfollowthedatespecifiedonthecertificateofindebtednessorloanvoucher.wherethereisanyinconsistencybetweenthestipulationsonthecertificateofindebtednessorloanvoucherandtheTermsandconditionsonthiscontractexceptdate,thelatters
4、hallprevail. 第四條借款劃付。在借款人辦妥借款手續(xù)后5個(gè)營(yíng)業(yè)日內(nèi)將全部款項(xiàng)劃至借款人指定的賬戶，劃付次數(shù)、時(shí)間、金額見?！ rticle4Transferringofloan.ThefullamountofloanshallbetransferredtoanAccountdesignatedbytheBorrowerwithin5workingdaysfromthedateofcompletingborrowingprocedure.Refertoforthefrequency,timeandamountoftransferring 第五條借款利率和計(jì)息?！ ?/p>
5、借款利率。本合同項(xiàng)下借款利率根據(jù)國(guó)家有關(guān)規(guī)定，確定利率見—36—.5。遇利率調(diào)整時(shí)，借款期限在1年以下的，執(zhí)行合同利率，不分段計(jì)息;借款期限在1年以上的，實(shí)行分段計(jì)息，從利率調(diào)整的次年1月1日開始，按相應(yīng)利率的檔次執(zhí)行新的利率;如借款人未按約定時(shí)間歸還借款本息或未按合同約定用途使用借款，貸款人將按國(guó)家規(guī)定對(duì)借款人計(jì)收罰息， 罰息率見?！ rticle5.Interestrateofloanandcalculation Interestrateofloan:Theinterestrateunderthiscontractisspecifiedininlinewithrele
6、vantrules.Incaseofchangeofinterestrate,theinterestratestipulatedinthecontractshallprevailforloanswithalifeoflessthanorequaltooneyear;Forloanswithalifeexceedingoneyear,theinterestshallbecalculatedonamulti-stagebasis,Fromnextjan.1stfollowingtheadjustmentofinterestrate,thenewrateshallprevail.In
7、casetheBorrowerfailstorepaytheprincipalandinterestbeforetheduedate,orfailstousetheloanforpurposesasagreedinthiscontract,thelendershallbeentitledtocollectdefaultinterestinlinewithrelevantrules.Thedefaultinterestrateisspecifiedin 遇利率調(diào)整時(shí)，實(shí)行分段計(jì)息的，貸款人有
