Personal housing provident fund loan contract
Type of payment: __________________________Contract number: _________
Borrower: ____________ Tel: ______ Address: ________________ Postal Code: _________
Payment Bank: ___________ Tel: _________ Legal Representative: __________ Fax: ______ Address: __________ Postal Code: _________
The borrower is the mortgagor:
The lender is the mortgagee:
The guarantor is the unit for sale:
Party A shall apply for loans from Party B in accordance with the provisions of the XX City Provident Fund Management Center and the Employees' Home Mortgage Loan Scheme for purchasing or constructing or rebuilding or overhauling their own self-occupied housing. They are willing to use the purchased or repaired housing as collateral. Party B has agreed to issue loans after examination. Party C is willing to provide guarantee to Party A before the real estate title certificate of the mortgaged house is handed over to Party B. In order to clarify their respective rights and obligations, Party A, Party B and Party C shall, in accordance with the relevant laws and regulations, conclude this contract by consensus and abide by the implementation.
Article 1 Borrowing amount
Party A borrows RMB _________________________ from Party B.
Article 2 Use of the loan
Party A's loan is used for purchase, construction, renovation, and overhaul. It is located in the _____ district _ street _____ road _____ get _____ _____ room housing.
Article 3 Term of Borrowing
The term of the loan contract is from _____ years ____________ to ____________________________.
Article 4 Loan interest rate
The loan interest rate is determined by the interest rate announced at the time of signing this contract as ___%. The interest rate changes during the term of the loan and is handled in accordance with the regulations of the People's Bank of China.
Article 5 Depositing self-raised funds
Party A shall, after signing this contract, open a current savings deposit account in Party B and deposit the self-reward funds into reserve. If you need to use Party A, the same family member, non-same spouse and non-same household blood pension fund to offset the self-reward fund, you need to provide proof of the written consent of the party, and submit Party B to apply for the transfer. Party A has already paid the self-raised funds to the sales unit for the first phase of the mortgage and the receipt can be waived.
Article 6 Loan disbursement
Party A who purchases a house from a sales unit or purchases a private house through the real estate transaction market hereby irrevocably authorizes Party B to deposit the loan amount together with the self-raised funds deposited within five business days from the date of approval of the mortgage registration. In the name of the purchase of the house by Party A, it is transferred to the account opened by the sales unit or the real estate transaction market.
If Party A builds, rebuilds, or overhauls self-occupied housing, Party B will actively transfer the loan funds to Party A’s current savings account deposit card account opened by Party B after the contract has been used up or will be used up. ) It is used according to the progress of the project.
Article 7 Loan repayment
The loan principal and interest are paid on a monthly basis.
Loans are repayable on a monthly basis from the month following the issuance. According to the calculation formula of equal repayment, calculate the monthly principal loan interest, and go to zero yuan to determine the monthly principal and interest, and the last principal and interest will be cleared.
The first period of the monthly principal interest amount is: RMB - 10,000 - 仟 - hundred - pick - yuan.
The monthly principal and interest of the second period to the subsequent periods are calculated based on the personal housing provident fund loan interest rate announced by the bank in the current year, which is subject to the written notice of Party B, and changes the monthly principal and interest of the installment.
Party A needs to mobilize with himself, the same family member, non-resident spouse and direct blood relatives to repay the principal and interest of the loan, which can be processed once a year in the month of the year, and the formalities and the fifth provident fund of the contract are self-financing. The funds are the same.
Savings card, credit card repayment
Party A must apply for the China Construction Bank Shanghai Branch Savings Card, Credit Card, and Entrust Party B to repay the full amount of the principal and interest by means of automatic transfer, deposit it into the savings card account or credit card account, and ensure that Party B can implement the transfer repayment.
When the repayment of the card is failed due to Party A's reasons, Party A must hold the cash to the original loan to repay the loan.
Party A shall fully repay the outstanding principal of the loan in advance, and Party B shall not collect the early repayment of the hand fee, nor return the loan interest charged at the original contract interest rate.
Article 8 Loan Guarantee
The housing purchased by Party A under this contract shall be guaranteed by Party C in stages. Before the real estate title certificate is submitted to Party B for custody, if the borrower defaults on the loan principal and interest, penalty interest and related expenses for three consecutive months, Party C shall be responsible for the payment within 10 days after receiving the “Notice of Performance Guarantee” from Party B. pay off. The guarantee period shall be from the date of the loan to the date when Party B obtains the real estate title certificate.
During the guarantee period, Party A of Party B, and Party B's agreement to change the contents of the loan contract shall obtain the prior written consent of Party C.
Under this contract, Party A purchases, builds, rebuilds, and overhauls the housing as a mortgage guarantee for the loan. Party A and Party B separately sign the Housing Mortgage Contract. If Party A purchases the 期房, it shall submit the pre-sale contract for purchase to Party B for custody.
Article 9 Contract Notarization
Party A, Party B and Party C shall, within 10 days from the date of signing this contract, apply to the notary office for this contract and Party A, and the housing mortgage contract signed by Party B.
Article 10 Change and dissolution of the contract
After this contract comes into effect, neither party may change or terminate this contract without authorization.
If Party A transfers the rights and obligations under this contract to a third party, it shall comply with the relevant provisions and shall, in advance, obtain the written consent of the party, and the transfer shall take effect after the transferee and Party B re-sign the loan contract.
Article 11 Rights and Obligations of Party A and Party B
Party A has the right to request Party B to issue loans in accordance with the contract;
Party A shall return the principal and interest of the loan to Party B within the time limit agreed upon in the contract;
Party A must use Party B's loan according to the agreed purpose. Party A shall not use Party B's loan for other purposes without the written consent of Party B.
Party B shall issue the loan in time according to the time limit stipulated in the contract.
Article 12: Liability for breach of contract
During the execution of this contract, Party A fails to repay the principal and interest of the loan on a monthly basis, and Party B shall pay a penalty of _____ per ____ day for each ____ of the arrears; and Party A shall save or save during the current period. The card account memory enters the loan amount for one month, and guarantees the return of the Party B loan on time.
If Party A fails to repay the loan principal and interest and related expenses for six consecutive months, or is found to be untrue in applying for the loan and dispose of the mortgaged housing without rent, sale, exchange, gift, etc. without written consent, Party B has the right to recover the principal and interest of the loan in advance until the mortgaged housing is disposed of. If it is insufficient to repay the arrears, the right to continue to recover the arrears from Party A is not continued.
Party A did not use Party B’s loan for other purposes as agreed in the contract, and imposed a fine of 12% per day on the appropriation portion.
Article 13 This contract settlement method
In the event of a dispute arising from the performance of this contract, it may be settled through negotiation. If the negotiation fails, it may be brought to the people's court where Party B is located. During the negotiation or litigation, this contract does not involve the terms of the disputed part and must still be performed.
Article 14 Other agreed matters
Article 15 This contract shall become effective after the signing of Party A, Party B and Party C. Party C's guarantee responsibility shall be terminated by Party B's “Real Estate Warrants” and “Real Estate Other Warrants Certificate” purchased by Party A. Party A and Party B shall bear the responsibility until the loan principal and interest and related expenses under the contract are fully settled.
Article 16 The original of this contract shall be in five copies, one for each of A, B and C, one for the notary office and the real estate registration agency, and one copy shall be determined as required, including: one for the city's provident fund management center.
person A person B:
Legal representative
- Year - Month - Day - Year - Month - Day
Party C:
Legal representative
--year month day
Borrower: ____________ Tel: ______ Address: ________________ Postal Code: _________
Payment Bank: ___________ Tel: _________ Legal Representative: __________ Fax: ______ Address: __________ Postal Code: _________
The borrower is the mortgagor:
The lender is the mortgagee:
The guarantor is the unit for sale:
Party A shall apply for loans from Party B in accordance with the provisions of the XX City Provident Fund Management Center and the Employees' Home Mortgage Loan Scheme for purchasing or constructing or rebuilding or overhauling their own self-occupied housing. They are willing to use the purchased or repaired housing as collateral. Party B has agreed to issue loans after examination. Party C is willing to provide guarantee to Party A before the real estate title certificate of the mortgaged house is handed over to Party B. In order to clarify their respective rights and obligations, Party A, Party B and Party C shall, in accordance with the relevant laws and regulations, conclude this contract by consensus and abide by the implementation.
Article 1 Borrowing amount
Party A borrows RMB _________________________ from Party B.
Article 2 Use of the loan
Party A's loan is used for purchase, construction, renovation, and overhaul. It is located in the _____ district _ street _____ road _____ get _____ _____ room housing.
Article 3 Term of Borrowing
The term of the loan contract is from _____ years ____________ to ____________________________.
Article 4 Loan interest rate
The loan interest rate is determined by the interest rate announced at the time of signing this contract as ___%. The interest rate changes during the term of the loan and is handled in accordance with the regulations of the People's Bank of China.
Article 5 Depositing self-raised funds
Party A shall, after signing this contract, open a current savings deposit account in Party B and deposit the self-reward funds into reserve. If you need to use Party A, the same family member, non-same spouse and non-same household blood pension fund to offset the self-reward fund, you need to provide proof of the written consent of the party, and submit Party B to apply for the transfer. Party A has already paid the self-raised funds to the sales unit for the first phase of the mortgage and the receipt can be waived.
Article 6 Loan disbursement
Party A who purchases a house from a sales unit or purchases a private house through the real estate transaction market hereby irrevocably authorizes Party B to deposit the loan amount together with the self-raised funds deposited within five business days from the date of approval of the mortgage registration. In the name of the purchase of the house by Party A, it is transferred to the account opened by the sales unit or the real estate transaction market.
If Party A builds, rebuilds, or overhauls self-occupied housing, Party B will actively transfer the loan funds to Party A’s current savings account deposit card account opened by Party B after the contract has been used up or will be used up. ) It is used according to the progress of the project.
Article 7 Loan repayment
The loan principal and interest are paid on a monthly basis.
Loans are repayable on a monthly basis from the month following the issuance. According to the calculation formula of equal repayment, calculate the monthly principal loan interest, and go to zero yuan to determine the monthly principal and interest, and the last principal and interest will be cleared.
The first period of the monthly principal interest amount is: RMB - 10,000 - 仟 - hundred - pick - yuan.
The monthly principal and interest of the second period to the subsequent periods are calculated based on the personal housing provident fund loan interest rate announced by the bank in the current year, which is subject to the written notice of Party B, and changes the monthly principal and interest of the installment.
Party A needs to mobilize with himself, the same family member, non-resident spouse and direct blood relatives to repay the principal and interest of the loan, which can be processed once a year in the month of the year, and the formalities and the fifth provident fund of the contract are self-financing. The funds are the same.
Savings card, credit card repayment
Party A must apply for the China Construction Bank Shanghai Branch Savings Card, Credit Card, and Entrust Party B to repay the full amount of the principal and interest by means of automatic transfer, deposit it into the savings card account or credit card account, and ensure that Party B can implement the transfer repayment.
When the repayment of the card is failed due to Party A's reasons, Party A must hold the cash to the original loan to repay the loan.
Party A shall fully repay the outstanding principal of the loan in advance, and Party B shall not collect the early repayment of the hand fee, nor return the loan interest charged at the original contract interest rate.
Article 8 Loan Guarantee
The housing purchased by Party A under this contract shall be guaranteed by Party C in stages. Before the real estate title certificate is submitted to Party B for custody, if the borrower defaults on the loan principal and interest, penalty interest and related expenses for three consecutive months, Party C shall be responsible for the payment within 10 days after receiving the “Notice of Performance Guarantee” from Party B. pay off. The guarantee period shall be from the date of the loan to the date when Party B obtains the real estate title certificate.
During the guarantee period, Party A of Party B, and Party B's agreement to change the contents of the loan contract shall obtain the prior written consent of Party C.
Under this contract, Party A purchases, builds, rebuilds, and overhauls the housing as a mortgage guarantee for the loan. Party A and Party B separately sign the Housing Mortgage Contract. If Party A purchases the 期房, it shall submit the pre-sale contract for purchase to Party B for custody.
Article 9 Contract Notarization
Party A, Party B and Party C shall, within 10 days from the date of signing this contract, apply to the notary office for this contract and Party A, and the housing mortgage contract signed by Party B.
Article 10 Change and dissolution of the contract
After this contract comes into effect, neither party may change or terminate this contract without authorization.
If Party A transfers the rights and obligations under this contract to a third party, it shall comply with the relevant provisions and shall, in advance, obtain the written consent of the party, and the transfer shall take effect after the transferee and Party B re-sign the loan contract.
Article 11 Rights and Obligations of Party A and Party B
Party A has the right to request Party B to issue loans in accordance with the contract;
Party A shall return the principal and interest of the loan to Party B within the time limit agreed upon in the contract;
Party A must use Party B's loan according to the agreed purpose. Party A shall not use Party B's loan for other purposes without the written consent of Party B.
Party B shall issue the loan in time according to the time limit stipulated in the contract.
Article 12: Liability for breach of contract
During the execution of this contract, Party A fails to repay the principal and interest of the loan on a monthly basis, and Party B shall pay a penalty of _____ per ____ day for each ____ of the arrears; and Party A shall save or save during the current period. The card account memory enters the loan amount for one month, and guarantees the return of the Party B loan on time.
If Party A fails to repay the loan principal and interest and related expenses for six consecutive months, or is found to be untrue in applying for the loan and dispose of the mortgaged housing without rent, sale, exchange, gift, etc. without written consent, Party B has the right to recover the principal and interest of the loan in advance until the mortgaged housing is disposed of. If it is insufficient to repay the arrears, the right to continue to recover the arrears from Party A is not continued.
Party A did not use Party B’s loan for other purposes as agreed in the contract, and imposed a fine of 12% per day on the appropriation portion.
Article 13 This contract settlement method
In the event of a dispute arising from the performance of this contract, it may be settled through negotiation. If the negotiation fails, it may be brought to the people's court where Party B is located. During the negotiation or litigation, this contract does not involve the terms of the disputed part and must still be performed.
Article 14 Other agreed matters
Article 15 This contract shall become effective after the signing of Party A, Party B and Party C. Party C's guarantee responsibility shall be terminated by Party B's “Real Estate Warrants” and “Real Estate Other Warrants Certificate” purchased by Party A. Party A and Party B shall bear the responsibility until the loan principal and interest and related expenses under the contract are fully settled.
Article 16 The original of this contract shall be in five copies, one for each of A, B and C, one for the notary office and the real estate registration agency, and one copy shall be determined as required, including: one for the city's provident fund management center.
person A person B:
Legal representative
- Year - Month - Day - Year - Month - Day
Party C:
Legal representative
--year month day
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