Maximum mortgage loan contract

Maximum mortgage loan contract

Rural credit high loan word [ ] number

lender

Borrower

Mortgagor

After the lender, the borrower and the mortgagor fully negotiate, according to the provisions of national laws and regulations, the following maximum mortgage loan contract is signed:

The first lender agrees to issue the following to the borrower:

1. Type of loan:

2. Borrowing purposes:

3. Borrowing period: Year, month and day to year, month and day.

4. The highest balance of borrowing: RMB.

5. The interest rate is monthly interest rate.

6. Repayment method: repay interest on a monthly basis; a single loan is due, and the interest rate is repaid.

Article 2 Obligations of the Borrower:

1. Provide the lender with real loan application materials;

2. Repay the principal and interest of the loan in full and on time in accordance with the contract;

3. Borrowing the loan according to the contractual use of the contract, and may not arbitrarily change the purpose of the loan;

4. Accepting the understanding, investigation and supervision of the borrower's use of the loan;

5. When the external guarantee is provided or the operation of the company is deteriorated, the lender must be notified in time;

6. When the personal situation such as identity document, domicile, family relationship, etc. is changed, the lender must be notified in time before the change;

7. Other obligations that should be assumed according to law.

Article 3 Obligations of the mortgagor:

1. Provide real mortgage information to the lender;

2. Supervise the borrower to repay the principal and interest of the loan in full and on time in accordance with the contract;

3. Supervise the borrower to use the loan in accordance with the loan use agreed in the contract;

4. When the external guarantee is provided or the operation of the company is deteriorated, the lender must be notified in time;

5. When the personal situation such as identity document, domicile, family relationship, etc. is changed, the lender must be notified in time before the change;

6. During the period of validity of the mortgage, the collateral may not be disposed of in the form of transfer or lease without the written consent of the lender;

7. When the collateral is damaged or lost, it must report to the lender within 3 days of the accident and provide other property with corresponding value to reset the mortgage;

8. If the collateral is damaged or lost, the principal and interest of the loan shall be repaid in priority;

9. Other obligations that should be assumed according to law.

Article 4 Obligations of the lender:

1. Deliver loans to the borrower in full and on time in accordance with the contract;

2. Keep confidential the information about the borrower, mortgagor family, debt, property, business, etc.;

3. The borrower shall not be charged other than the provisions of the law;

4. Other obligations that should be borne by law.

Article 5 The loan shall be subject to “one-time approval, turnover use, use-as-you-go loan, balance control”. Within the loan period and the maximum balance agreed in the contract, the mortgage registration formalities and the loan contract shall not be processed one by one, and the amount of each loan shall be The terms and conditions are based on the borrowings.

The loan application, the loan borrowings and other materials provided by the borrower in accordance with the requirements of the lender are all part of this contract and have the same legal binding force as this contract.

Article 6 The scope of mortgage guarantee includes the principal of the loan, interest, compound interest, penalty interest, and the realization of the creditor's rights.

Article 7 If the lender and the borrower negotiate to change the performance of the contract terms, the mortgagor shall continue to bear the mortgage guarantee responsibility for the changed contract without the consent of the mortgagor, except for the borrowing period and the maximum surplus.

Article 8 If the borrower fails to repay the loan on time due to special circumstances, it shall submit a written application to the lender within the day before the loan expires, and the extension may be extended with the consent of the lender.

After the extension period, the borrowing rate is re-determined according to the accumulated grade of the borrowing period.

Article 9 Borrower's liability for breach of contract:

1. If the loan principal has not been repaid according to the contract and has not been approved for the extension period, 50% of the interest shall be charged in accordance with the first interest rate of this contract on the date of overdue;

2. If the loan is not used in accordance with the contractual purposes, the interest shall be charged 100% according to the interest rate of the first article of this contract from the date of the misappropriation;

3. If the loan interest is not settled in accordance with the contract, the lender shall pay the interest on the unpaid loan interest according to the contractual interest rate, overdue loan interest rate and the misappropriation rate;

4. If the borrower fails to perform the definition of the second treaty of this contract, the lender has the right to stop issuing the undisbursed loan, withdraw the loan already issued in advance, cancel the loan contract or adopt other credit sanctions according to law;

5. If the borrower fails to repay the principal and interest of the loan in full and in time as agreed in the contract, the lender may lower it until the level of the credit is cancelled;

6. If the borrower fails to repay the principal and interest of the loan in full and in time according to the contract, the lender has the right to announce in the news media the fact that the borrower has not repaid the principal and interest of the loan in full and on time and urged the repayment.

Article 10 Liability of the lender for breach of contract:

1. When the lender fails to provide the borrower with the borrower in full and on time in accordance with the contract, the liquidated damages shall be paid in accordance with the daily limit;

2. If the lender collects fees from the borrower in violation of the regulations, the borrower may complain to the competent department.

Article 11 The mortgagor shall bear the legal liability arising from the above measures when the lender ceases to issue undisbursed loans in accordance with the law and the contract, withdraws the borrowed money in advance, cancels the loan contract or adopts other credit sanctions according to law. Mortgage guarantee liability.

Article 12 If the borrower fails to repay the principal and interest of the loan in accordance with the contract, the lender has the right to dispose of the collateral according to law, and the priority is paid from the proceeds; if the borrower is insufficient, the lender continues to recover from the borrower, and the mortgagor is preferred. The insured part bears the joint guarantee responsibility.

Article 13 A lender may collect the loan directly from the account of the borrower or the mortgagor directly.

Article 14 The registration formalities of the collateral shall be handled by the mortgagor or the mortgagor entrusting the borrower, and the lender shall not bear all the taxes and fees for the assessment, registration and so on.

Article 15 The mortgage clause of this contract is independent of the loan contract, the loan contract is invalid, and the mortgage clause is still valid.

Article 16 Matters not covered in this contract shall be negotiated by the lender and the borrower in a friendly manner; the supplementary contract shall be regarded as an integral part of this contract and shall be legally binding on this contract.

Article 17 If a dispute arises from a contract, it shall be settled through friendly negotiation between the lender, the borrower and the mortgagor; if the negotiation fails or is unwilling to negotiate, either party may file a lawsuit in the people's court of the place where the lender is domiciled.

Article 18 This contract shall come into force on the date of signature and seal of the parties.

Article 19 This contract is in one form, and the lender, borrower and mortgagor hold one copy each.

Article 20 The signing and performance of this contract shall be at the place where the lender is domiciled.

Special note: The lender has fully reminded the borrower and the mortgagor to carefully read all the terms of the contract, and provide detailed answers to the questions raised by the borrower and the mortgagor on the terms and terms of the contract. The borrower and the mortgagor have already approved the lender. The answer, the lender, the borrower and the mortgagor have a consistent understanding of the terms and wording of this contract.

lender

Legal representative

Principal agent

Borrower

Legal representative

Principal agent

Mortgagor

Legal representative

Principal agent

Date of contract signing: Year, month and day

City, Pingdingshan City, Henan Province, Zhang Yaowei