(China Construction Bank) personal housing loan loan contract

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│ Personal Housing Loan │

│ Loan Contract │

│ │

│Contract No.: Year Font │

│ │

│ Borrower: Lender: │

│Resident: Residence: │

│Phone: Legal representative │

│Postal code: Phone: │

│Opening a financial institution and account number: Postal code: │

└──────────────────────────────────┘

Borrower:___________________

lender:___________________

Party A applies for loan from Party B, and Party B has reviewed and approved the loan according to __________. In order to clarify their respective rights and obligations, both parties shall, in accordance with the relevant laws and regulations, conclude this contract by consensus in order to abide by the implementation.

First loan amount

Party A's loan to Party B ___________________

Article 2 Borrowing purposes

Party A's loan will be used for ___________________

Article 3 Term of Borrowing

Party A's borrowing period is from _______ years ______ months ______ days to _______ years ______ months ______ days.

Article 4 Loan interest rate and interest

The loan interest rate is calculated according to ________ interest ________, and is settled according to ________.

The loan interest is calculated from the date when the loan is transferred to the account designated by Party A. In the period of validity of the contract, if the interest rate is adjusted, it shall be adjusted according to the regulations of the People's Bank of China

Article 5

Party A’s split plan is:

________ years _______ month _______ day ____ yuan ________ years _______ month _______ day _______ yuan

.........

Article 6 withdrawal method

Party A shall adopt the ___________ method and transfer the funds to the _____________ unit in the deposit account opened by Party B in accordance with the payment plan agreed in this contract.

Article 7 Repayment method

The principal and interest of the loan under this contract are returned by _________.

Progressive repayment method _____________ Increase the amount of repayment by _____________%.

Article 8 Repayment Plan

Party A shall repay the principal and interest of the loan on a monthly basis starting from the month following the payment of the credit. The date of repayment of interest is set to _______ to ________ days per month.

Monthly repayment method, monthly loan repayment of principal and interest __________ yuan

With the progressive repayment method, Party A returns the principal and interest of the loan in several stages:

The first _______ years of ________ yuan __________ years of ________ yuan per month

......

Article 9 Repayment of loans

Party A shall guarantee the repayment of the principal and interest of the loan in accordance with the repayment plan determined in Article 8 of this contract, and deposit the repayment amount into the deposit account opened by Party B before the repayment of the principal payment date, and entrust Party B to withhold.

If Party A returns all the principal and interest of the loan in advance, Party A shall notify Party B within ___________ business days before the date of repayment, and Party B shall obtain the consent of Party B. The interest on the loan that Party B has collected is no longer adjusted. For the loan principal portion returned by Party A for the last time, Party B shall calculate the interest rate according to the borrowing interest rate corresponding to its actual use period.

Article 10 Change and dissolution of the contract

After the contract is in force, neither Party A nor Party B may change or terminate this contract without authorization. If any party to the party requests to change the content of the contract or cancel the contract, it must notify the other relevant parties of the contract one month in advance in writing. The original contract continued to be valid until the agreement was reached.

Article 11 Borrowing Guarantee

For the entire debt of the loan under this contract, ______________ is used as collateral or ______________ as collateral to provide guarantee or ________________ as guarantor of Party A to bear the full joint and several liability guarantee, and separately sign the "mortgage contract" and "pledge The contract or the "guarantee contract" is the slave contract of the whole contract.

Article 12 The main rights and obligations of both parties

1. Party A has the right to request Party B to issue loans in accordance with the contract;

2. Party A shall return the principal and interest of the loan according to the repayment plan and repayment period agreed upon in the contract;

3. Party A must use the loan according to the agreed purpose, and may not use the loan for other purposes;

4. Party A shall provide proof of its economic income on a regular basis as required by Party B;

5. Party B has the right to check the use of the loan;

6. Party B shall issue the loan in time according to the time limit stipulated in the contract.

Article 13 Liability for breach of contract

1. Party A fails to use the loan in accordance with the purposes stipulated in this contract, and Party B has the right to accrue interest on the __________ period during the period of default use;

2. Party A fails to return all the principal and interest of the loan in accordance with the contract, or the loan that has not been repaid in accordance with the contractual repayment plan for the second consecutive period or above, and Party B has the right to charge interest on the overdue loan by __________ during the overdue period. ;

3. During the period of validity of the contract, Party B has the right to stop issuing loans that have not been paid in advance, and recover the principal and interest of the loan or the disposal of the collateral in advance:

3.1 Party A does not use the loan for the purposes specified in the contract;

3.2 Party A refuses or obstructs Party B from supervising and inspecting the use of the loan;

3.3 Party A provides false proof materials to Party B;

3.4 Party A signs contracts and agreements with other legal persons or economic organizations that damage the rights and interests of Party B;

3.5 A loan contract with a third party guarantee or mortgage, if the guarantor breaches the guarantee contract or loses the joint liability, or the mortgagor breaches the mortgage contract, or the collateral is insufficiently damaged to cover the principal and interest under this contract, The party cannot implement the new guarantee or new mortgage that meets the requirements of Party B;

3.6 Party A has other acts that are sufficient to affect its solvency or lack of debt service.

4. If Party B fails to issue the loan in time according to the contract and causes losses to Party A, Party B shall pay Party A a ________________ liquidated damages per day according to the number of days affected and the amount.

Article 14: The settlement of this contract dispute

When a dispute arises between Party A and Party B in the course of performance of this contract, it may be settled through negotiation or directly to the people's court in the locality where Party B is located. During the negotiation and litigation, this contract does not involve the terms of the disputed part, and the parties still have to perform.

Article 15 Other matters agreed by Party A and Party B.

Article 16 The parties and Party B shall comply with the relevant laws, regulations and financial regulations of the State.

Article 17 This contract shall become effective after being signed and sealed by both Party A and Party B, and shall be terminated after the completion of the settlement of the principal and interest of the loan under the contract.

Article 18 The original form of this contract is __________, one for each Party A and Party B. If there is a guarantor or mortgagor, a guarantor or mortgagor is provided; a copy is __________.

person A person B:

Legal representative:

Year, month, day, month, day

(China Construction Bank) personal housing loan loan contract

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