China Construction Bank Personal Consumption Loan Contract

Type of loan:

Contract number:

China Construction Bank Printing Loan:

China Construction Bank Residence:

contact number:

fax number:

Borrower Name:

employer:

Home address:

contact number:

Repayment account:

guarantor:

residence:

mailing address:

phone:

Deposit financial institution and account number:

fax number:

Pledgor:

residence:

mailing address:

phone:

Opening a financial institution and account number:

fax number:

Mortgagor:

residence:

mailing address:

phone:

Opening a financial institution and account number:

Borrower:

lender:

Party A shall apply for a ______ loan to Party B for the purpose of ______, and Party B shall approve the loan after examination. According to the "China Construction Bank Personal ______ Loan Management Measures", both parties have entered into this contract by consensus.

The first loan consumer or use beneficiary: _______.

Borrowings are used for _____________.

Designated business or organization: ________.

The second loan amount is RMB ____________.

Article 3 Term of Borrowing The term of the loan as stipulated in this contract is _____year, which is calculated from the date when Party B transfers the loan to the account stipulated in this contract, that is, from _____ __ _ _ _ _ _ _ _ _ _ day.

Article 4 Loan Conditions After the guarantee contract under this contract comes into effect, Party B shall transfer the loan to the account specified in this contract.

Article 5 The parties to the loan shall agree to apply for the loan within ___ working days after the effective date of this contract.

Loan application method: Party A agrees that Party B will transfer the loan to the following account:

1. Account name: ____, account number: ____.

2. Account name: ____, account number: ____.

3. Account name: ____, account number: ____.

Article 6 The interest rate of the borrowing party agrees that the monthly interest rate is _________.

During the period of borrowing, when the national legal interest rate is adjusted, it shall be implemented for one year. At the beginning of each year, the interest rate of the borrowing shall be determined according to the corresponding interest rate determined by the People's Bank of China. However, if the loan period is less than one year, the interest rate of this contract shall be enforced and shall not be subject to the national legal interest rate. The impact of the adjustment.

Article 7 The principal and interest of Party A shall repay the principal and interest of the loan on a monthly basis. After calculation, Party A shall return the principal and interest for a total of ______ yuan per month from the month following the loan, and the repayment date shall be ____ days per month.

If the term of the loan is not more than one year, Party A will repay the principal and interest of the loan at the expiration of the loan, and will not implement the method of returning the principal and interest on a monthly basis.

Party A entrusts the bank to automatically deduct the principal and interest of the loan.

Party A authorizes Party B to automatically deduct the monthly principal and interest amount from the savings card account or the savings passbook account __________ opened by Party A on the monthly repayment date, because Party B’s balance is insufficient due to insufficient balance of the account. If the payment date is not fully settled, the unpaid loan is considered as an overdue loan.

If the personal account provided by Party A is frozen, etc., and the principal and interest cannot be deducted, Party A shall promptly provide Party B with a new repayment account for deducting the principal and interest of the loan.

Party A shall return the principal and interest of the loan in advance, and shall notify Party B 15 days in advance and agree with Party B.

The interest that Party B has collected according to the interest rate stipulated in the contract is not adjusted according to the change of the repayment period and the national statutory interest rate.

Party B no longer requires Party A to compensate for the losses suffered by Party A due to early repayment.

Article 8 Change and Cancellation of the Contract After the commencement of this contract, neither Party A nor Party B may change or terminate this contract without authorization.

Party A's transfer of the rights and obligations under this contract to a third party shall take effect after the following conditions are met:

1. Must be approved in writing by Party B;

2. Party B and the third party have signed a credit and debt transfer contract or have signed a new loan contract;

3. The guarantee contract under this contract has been changed accordingly.

Article 9 Borrowing Guarantee Party A must provide guarantee for the performance of this contract.

If Party A provides guarantees by way of guarantee, the guarantor shall sign a separate “guarantee contract” with Party B, and the guarantor shall promise:

1. Guarantee the scope of the guarantee loan amount of ____ yuan and interest, the liquidated damages and compensations that the borrower should pay, and the expenses for realizing the borrowing rights and mortgages.

2. The guarantee method is accompanied by responsibility guarantee. If Party A fails to perform its debts upon the expiration of the loan contract period, Party B shall have the right to deduct the funds from the guarantor's deposit account for the debts that Party A shall bear.

3. The guarantee period begins on the effective date of the loan contract and ends two years after the expiration of the loan contract performance period.

4. Guaranteed effectiveness The invalidity of other terms of the loan contract does not affect the validity of the guarantor's commitment to the warranty.

5. Advance assume guarantee liability Before the expiration of the performance period of the loan contract, Party A shall indicate by its own actions or Party B has other evidence that Party A will not perform or fail to perform the loan contract, Party B has the right to request the guarantor to assume the guarantee responsibility in advance, and the guarantor agrees bear.

Where Party A provides security by way of mortgage, the mortgagor shall separately identify the “mortgage contract” with Party B, and the collateral listed in the “collateral list” of the attached file of the mortgage contract shall be registered according to law;

If Party A provides guarantee by pledge, the pledger shall sign a separate pledge contract with Party B, and the pledge property listed in the pledge contract “Pledged Property List” shall be transferred to possession or registered for pledge according to law;

If Party B believes that the collateral or pledge property needs to apply for property insurance during the guarantee period, Party A shall handle the property insurance of the collateral or pledge property during the guarantee period.

Party A shall fill in or indicate Party B as the insured on the property insurance policy, and specifically agree with the insurer in the insurance policy. In the event of an insurance accident, the insurer shall directly transfer the insurance compensation to the account designated by Party B.

Party A shall submit the insurance certificate to Party B for custody.

Party B has the right to request Party A if the guarantor loses the ability to guarantee, or if the legal person of the guarantor is contracted, leased, merged and merged, joint venture, separate, joint venture, joint-stock reform, bankruptcy, etc., which is sufficient to affect the settlement of the principal and interest of the loan under the loan contract. Re-provide the guarantee and go through the guarantee process.

If the set collateral is accidentally damaged or lost enough to affect the settlement of the principal and interest of the loan under the loan contract, Party B has the right to require Party A to provide new guarantees within the scope of the reduction of the value of the collateral and to go through the guarantee procedures.

If the accidental damage or loss of the pledge property is not enough to affect the loan principal and interest under the loan contract, Party B shall have the right to request Party A to provide new guarantee within the scope of the reduction of the value of the pledge property and to go through the guarantee formalities.

Article 10 Other rights and obligations of both parties:

Party A shall use the loan in accordance with the purposes stipulated in this contract, and shall not use the loan for other purposes. Party A shall unconditionally accept Party B's inspection of the use of the loan;

Party A shall be responsible for the authenticity of the relevant information on the loan provided to Party B;

Party A voluntarily accepts Party B's inspection of its income;

Party B shall issue the loan in full and on time in accordance with the contract.

Article 11 Liability for breach of contract Party A fails to repay the loan according to the repayment plan of this contract, that is, if there is an overdue loan under Article 7 of this contract, Party B shall charge interest at the rate of 10,000 per 10,000 according to the overdue amount and the number of days.

Party A does not use the loan in accordance with the purposes stipulated in this contract, and Party B shall charge interest on the misappropriated part of the loan in the amount of 10,000 points.

Party B has the right to stop issuing loans to Party A in the event of any of the following circumstances, or to recover the principal and interest of the loan already issued in advance, or to terminate this contract:

1. After the commencement of this contract, Party A fails to cause consumer behavior under this contract for any reason;

2. Party A fails to use the loan for the purposes specified in this contract;

3. Party A provides Party B with false loan information;

4. Party A refuses to accept Party B's inspection of its income;

5. The borrower fails to perform the repayment obligation for three consecutive months or has other acts of lack of debt service;

6. If there is a stipulation in Article 9 of the contract and Party A does not provide a new guarantee;

7. Party A is declared missing and his property custodian refuses to perform this contract;

8. Party A loses his capacity for civil conduct and his guardian refuses to perform this contract;

9. Party A dies or is declared dead and the legal heir of his property refuses to continue to perform this contract;

10. Party A is involved in or is about to be involved in a major litigation or arbitration program and other legal disputes that are sufficient to affect its solvency.

During the guarantee period, Party B has the right to stop issuing loans to Party A in the case of one of the following circumstances, or to recover the principal and interest of the loan already issued in advance, or to cancel the loan contract:

1. The guarantor loses the ability to guarantee;

2. The acts of contracting, leasing, mergers and acquisitions, joint ventures, divisions, joint ventures, joint-stock reforms, and bankruptcies of the legal person as the guarantor are sufficient to affect the guarantor's joint guarantee responsibility under the loan contract;

3. The guarantor refuses Party B to supervise the status of its funds and property;

4. The guarantor provides the third party with a guarantee that exceeds its own affordability.

During the mortgage period, Party B has the right to stop issuing loans to Party A in the case of one of the following circumstances, or to recover the principal and interest of the loan already issued in advance, or to cancel the loan contract:

1. The mortgagor does not properly keep the collateral or refuses to check whether the collateral is in good condition;

2. Party B requires the mortgagor to handle property insurance for the collateral, and the mortgagor fails to handle the collateral property insurance according to the requirements of Party B;

3. The value of the collateral is reduced due to the behavior of the third party, and the mortgagor does not deposit the damages as a deposit into the designated account of Party B;

4. The value of the collateral is reduced, and the mortgagor fails to provide Party B with a guarantee equivalent to the reduced value within 30 days;

5. Party A grants, relocates, leases, transfers, re-collateralizes or disposes the collateral in any other way without the written consent of Party B;

6. The mortgagor agrees to transfer the collateral by Party B, but the proceeds are not included in the designated account of Party B and are used to pay off the secured claims in advance.

During the pledge period, Party B has the right to stop issuing loans to Party A in the case of one of the following circumstances, or to recover the principal and interest of the loan already issued in advance, or to cancel the loan contract:

1. Party B requires the pledgor to handle property insurance for the pledged property, and the pledgor fails to apply for pledged property insurance in accordance with Party B’s requirements;

2. The value of the pledged property is reduced, and the pledgor fails to provide Party B with a guarantee equivalent to the reduced value within 30 days;

3. The pledgor shall transfer the pledged property with the consent of Party B, but the proceeds shall not be included in the designated account of Party B and used to pay off the secured claims in advance.

Party B shall not pay the loan in full and in full according to the loan contract in accordance with the provisions of the first paragraph of this article. Party B shall pay Party A the liquidated damages according to the undisbursed loan amount.

Article 12 If either party or Party B changes its address, telephone number, etc., it shall notify the other party in advance.

Article 13 Other Agreements 1. 2. 3.

Article 14 Settlement of Contract Disputes In the course of performance of this contract, disputes may be settled by the parties, or they may be brought directly to the people's court in the locality of Party B.

During the negotiation or litigation, the parties to this contract that do not involve the disputed part must still perform.

Article 15 This contract shall become effective after satisfying the following conditions:

1. The guarantee contract under this contract has been signed;

2. This contract is signed or sealed by both parties.

Article 16 Validity Period of this Contract The validity period of this contract shall be terminated from the effective date to the date when the principal and interest of the loan are fully settled under this contract.

Article 17 The original of this contract shall be in duplicate, and each party shall hold one copy.

person A person B:

Authorized agent:

Year, month, day, month, day