People's Construction Bank Real Estate Credit Department employee housing mortgage loan contract
Contract number:
Contract unit:
Borrower
Lender
Existing Party A borrows RMB yuan from Party B for the purchase and construction of self-use housing. The unit for sale is to maintain the interests of both parties, and to establish the contract in accordance with the “Deposit Contract Regulations” issued by the State Council, and to abide by the following provisions.
1. Both Party A and Party B shall abide by the provisions of the Supplementary Provisions and Implementation Rules of the Measures for the Employment of Home Loans for the Real Estate Credit Department of the People's Construction Bank of China.
2. Party B shall only use the loan provided by Party A for the purchase and construction of the self-contained housing, and shall not be used for other purposes.
3. Party A's loan is transferred by Party B to the selling unit or the deposit unit opened by Party B in Party B by transfer.
Fourth, Party A
Party B shall be the collateral for the loan. The present value of the collateral is 10,000 yuan, and the repayment of the 10,000 yuan loan is guaranteed.
5. The term of the loan period shall be from the date of the year to the day of the month. The loan interest rate is monthly interest rate.
6. The loan shall be returned to the principal and interest on a monthly basis using the principal method. Party A shall return the loan, principal and interest, to Party B by the date of each month.
7. In the event of a unified adjustment of the deposit and loan interest rate by the State, the loan interest rate shall be adjusted in accordance with relevant state regulations, and the monthly repayment amount shall be re-determined accordingly.
8. During the loan period, Party A fails to repay the principal and interest of the loan according to the time specified in this contract. If it is overdue for one month, it shall be returned at the time of repayment of the principal and interest of the loan in the next month. Party B shall not punish, but the above situation shall not exceed two in one year. Times. If the overdue period exceeds one month or more than two times within one year, Party B shall have the right to charge Party A with a penalty of three tenths of the amount of overdue on the basis of the overdue days.
9. In case of any of the following circumstances, Party B shall have the right to handle the collateral. After the proceeds from the processing of the collateral deducted the principal and interest owed by Party A and the various expenses incurred by the collateral, the rest will be returned to Party A, and Party A will be allowed to move out of the house for mortgage on schedule. The unit is responsible for unconditional repayment within three months.
1. Party A fails to repay the principal and interest of the loan within six months of the loan period, or fails to pay off the principal and interest of the loan for six months after the expiration of the loan;
2. Party A dies or announces disappearance or emigration during the validity period of the contract, and its legal heir refuses to continue to perform Party A’s obligation to repay the principal and interest of the loan or is unable to continue to perform the obligation to repay the principal and interest of the loan;
3. Party A violates any of the provisions of this contract.
10. The repayment guarantor shall actively assist Party B to urge Party A to repay the principal and interest of the loan on schedule. When Party A cannot return the principal and interest of the loan on time and the mortgage processing cannot be performed, the repayment guarantor must unconditionally be responsible for repaying the principal and interest of Party B owed by Party A. After receiving the notice from Party B requesting Party A to repay the principal and interest of the loan, Party B shall voluntarily return the principal and interest of the loan within three months. If it has not been returned after three months, Party B has the right to deduct from the housing fund depositors or other depositors opened by the bank.
11. Party A shall transfer Party B's entire interest in the collateral to Party B before it has paid off all the principal and interest, and shall not arbitrarily deal with the collateral.
12. Party A shall provide insurance for the collateral. The insurance policy shall be handed over to Party B for safekeeping. In case of accidental damage, Party A shall be responsible for immediately notifying the insurance company and Party B. The compensation of the insurance company shall first be used to return the principal and interest of the loan. If the insurance compensation is insufficient to return the principal and interest of the loan, the insufficient part will still be returned by Party A.
13. Party B shall handle the loan in accordance with the contract. If Party B affects Party A's use due to Party B's reasons, Party B shall pay Party A a penalty of three tenths of the affected amount per day according to the affected amount and the number of days.
14. If either party A or Party B fails to perform the terms of this contract, both parties have the right to execute in accordance with the provisions of Article 158 of the Civil Procedure Law.
15. The original copy of this contract, the copy, shall be sealed by the three parties and the repayment guarantor, signed by the legal representative, and notarized by the notary, and shall take effect from the date when Party A pays off the full interest and interest of Party B.
XVI. Supplementary Terms:
Party A's signature:
address:
phone:
Party B's signature:
address:
phone:
Repayment guarantor
signature:
address:
phone:
Contract unit:
Borrower
Lender
Existing Party A borrows RMB yuan from Party B for the purchase and construction of self-use housing. The unit for sale is to maintain the interests of both parties, and to establish the contract in accordance with the “Deposit Contract Regulations” issued by the State Council, and to abide by the following provisions.
1. Both Party A and Party B shall abide by the provisions of the Supplementary Provisions and Implementation Rules of the Measures for the Employment of Home Loans for the Real Estate Credit Department of the People's Construction Bank of China.
2. Party B shall only use the loan provided by Party A for the purchase and construction of the self-contained housing, and shall not be used for other purposes.
3. Party A's loan is transferred by Party B to the selling unit or the deposit unit opened by Party B in Party B by transfer.
Fourth, Party A
Party B shall be the collateral for the loan. The present value of the collateral is 10,000 yuan, and the repayment of the 10,000 yuan loan is guaranteed.
5. The term of the loan period shall be from the date of the year to the day of the month. The loan interest rate is monthly interest rate.
6. The loan shall be returned to the principal and interest on a monthly basis using the principal method. Party A shall return the loan, principal and interest, to Party B by the date of each month.
7. In the event of a unified adjustment of the deposit and loan interest rate by the State, the loan interest rate shall be adjusted in accordance with relevant state regulations, and the monthly repayment amount shall be re-determined accordingly.
8. During the loan period, Party A fails to repay the principal and interest of the loan according to the time specified in this contract. If it is overdue for one month, it shall be returned at the time of repayment of the principal and interest of the loan in the next month. Party B shall not punish, but the above situation shall not exceed two in one year. Times. If the overdue period exceeds one month or more than two times within one year, Party B shall have the right to charge Party A with a penalty of three tenths of the amount of overdue on the basis of the overdue days.
9. In case of any of the following circumstances, Party B shall have the right to handle the collateral. After the proceeds from the processing of the collateral deducted the principal and interest owed by Party A and the various expenses incurred by the collateral, the rest will be returned to Party A, and Party A will be allowed to move out of the house for mortgage on schedule. The unit is responsible for unconditional repayment within three months.
1. Party A fails to repay the principal and interest of the loan within six months of the loan period, or fails to pay off the principal and interest of the loan for six months after the expiration of the loan;
2. Party A dies or announces disappearance or emigration during the validity period of the contract, and its legal heir refuses to continue to perform Party A’s obligation to repay the principal and interest of the loan or is unable to continue to perform the obligation to repay the principal and interest of the loan;
3. Party A violates any of the provisions of this contract.
10. The repayment guarantor shall actively assist Party B to urge Party A to repay the principal and interest of the loan on schedule. When Party A cannot return the principal and interest of the loan on time and the mortgage processing cannot be performed, the repayment guarantor must unconditionally be responsible for repaying the principal and interest of Party B owed by Party A. After receiving the notice from Party B requesting Party A to repay the principal and interest of the loan, Party B shall voluntarily return the principal and interest of the loan within three months. If it has not been returned after three months, Party B has the right to deduct from the housing fund depositors or other depositors opened by the bank.
11. Party A shall transfer Party B's entire interest in the collateral to Party B before it has paid off all the principal and interest, and shall not arbitrarily deal with the collateral.
12. Party A shall provide insurance for the collateral. The insurance policy shall be handed over to Party B for safekeeping. In case of accidental damage, Party A shall be responsible for immediately notifying the insurance company and Party B. The compensation of the insurance company shall first be used to return the principal and interest of the loan. If the insurance compensation is insufficient to return the principal and interest of the loan, the insufficient part will still be returned by Party A.
13. Party B shall handle the loan in accordance with the contract. If Party B affects Party A's use due to Party B's reasons, Party B shall pay Party A a penalty of three tenths of the affected amount per day according to the affected amount and the number of days.
14. If either party A or Party B fails to perform the terms of this contract, both parties have the right to execute in accordance with the provisions of Article 158 of the Civil Procedure Law.
15. The original copy of this contract, the copy, shall be sealed by the three parties and the repayment guarantor, signed by the legal representative, and notarized by the notary, and shall take effect from the date when Party A pays off the full interest and interest of Party B.
XVI. Supplementary Terms:
Party A's signature:
address:
phone:
Party B's signature:
address:
phone:
Repayment guarantor
signature:
address:
phone:
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