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1、EditionVersion:C2008.03SerialNo.:A[Shen]Zi[IndustrialandCommercialBankofChina]Bank,[Shenzhenwan]Branch,[2010],No.[SS-0043]PersonalHousePurchasingLoanContract/GuaranteeContractBorrower:YA0222Lender:IndustriaShenzhenwanBranchMortgagor:YANPledgor:BlankGuarantor
2、:BlankInaccordancewiththerelevantlaws,regulationsandrules,thepartiessignthiscontractandmakesuretocomplyonthebasisofequality,voluntary,forclearresponsibility,abidebycredit.Part1LoanArticlesArticle1LoancategoryandamountLendersagreestoissuesee36.1ofloanwiththea
3、mountofRMBsee36.2(inwordRMBsee36.3intotal)(ifthefigureandwordarenotconsistent,itwillbesubjecttotheword)accordingtotheapplicationoftheborrowers.APersonalhousingloanBIndividualpurchaseofcommercialhousingloanCIndividualhousingconstructionloanDOther see36.4Artic
4、le2LoanpurposesandguaranteemethodTheloanunderthiscontractisusedforsee36.5.Withoutthelender'swrittenconsent,theborrowershouldusetheloanforthestipulatedpurposeandshallnotusetheloanunderthiscontractintostockmarket,futuremarketandneithersharesinterestinvestmentn
5、orotherareaclearlyforbiddenbynationallawandregulation.Lenderhastherighttosupervisetheuseofloan.A.Borrowerusetheloantobuy/buildthehouselocatedatsee36.6withtheconstructionareaofsee36.6.B.Theloanisusedforpaythepersonalloanforthebankofthemortgagedhouselocatedats
6、ee36.7forthehousemortgageregistrationcancellation.C.Other see36.8.Article3LoanTermLoanperiodunderthiscontractissee36.9,theactualloandateandthematuritydatewillbesubjecttotheloancertificate.Loancertificateaspartofthiscontract,hasthesamelegalforceofthiscontract
7、.Article4Loaninterestrate4.1LoaninterestrateappliesthesameperiodandleveloftheloaninterestratepublishedbythePeople'sBankofChinaasbenchmarkinterestratewithfloatingsee36.10(up/down)see36.11determined,whichdeterminestheannualinterestrateassee36.12.Onthebasisofce
8、rtaininterestratesintheborrowingproofrecord,thefollowingcalculationconversionis:monthlyinterestrate=annualinterestrate/12,dailyinterestrate=annualinterestrate/360.4.2Ifthebenchmarkinterestisadju
