个人消费贷款借款担保合同中英

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1、个人消费贷款借款担保合同(中英文)IndividualConsumptionLoanBorrowingContract借款人：Borrower贷款人：Lender抵押人：Mortgagor保证人：Surety出质人：Pledgeor为明确各方权利和义务，根据《合同法》、《贷款通则》和其他有关法律、法规，订立本合同。ThisContractismadeinlinewiththeContractLawofthePeople'sRepublicofChinaandTheGeneralProvisionsofLoansofthePeople'sBankofChinatospecifytherights

2、andobligationsofpartiesinvolved.借贷条款LoanBorrowingClause第一条借款金额。见36.1Article1.Amountofloan:Referto36.1第二条借款用途。见36.2Article2.Purposeofloan:Referto36.2第三条借款期限。Article3.Lifeofloan3．1见36．3。3.1Referto36.33．2借据或贷款凭证是本合同不可分割的组成部分。借款的实际放款日和还款日以借款人、贷款人双方办理的借据或凭证上所记载的日期为准。除日期外，借据或凭证其他记载事项如与本合同不一致的，以本合同为准。3.2Ac

3、ertificateofindebtednessoraloanvoucherisanintegralpartofthisContract.Thedateofadvanceandpaymentduedateshallfollowthedatespecifiedonthecertificateofindebtednessorloanvoucher.WherethereisanyinconsistencybetweenthestipulationsonthecertificateofindebtednessorloanvoucherandtheTermsandConditionsonthisCont

4、ractexceptdate,thelattershallprevail.第四条借款划付。在借款人办妥借款手续后5个营业日内将全部款项划至借款人指定的账户，划付次数、时间、金额见36．4。Article4Transferringofloan.ThefullamountofloanshallbetransferredtoanAccountdesignatedbytheBorrowerwithin5workingdaysfromthedateofcompletingborrowingprocedure.Referto36.4forthefrequency,timeandamountoftransf

5、erring第五条借款利率和计息。5．1借款利率。本合同项下借款利率根据国家有关规定，确定利率见—36—．5。遇利率调整时，借款期限在1年(含)以下的，执行合同利率，不分段计息；借款期限在1年以上的，实行分段计息，从利率调整的次年1月1日开始，按相应利率的档次执行新的利率；如借款人未按约定时间归还借款本息或未按合同约定用途使用借款，贷款人将按国家规定对借款人计收罚息，罚息率见36．6。Article5.Interestrateofloanandcalculation5.1Interestrateofloan:TheinterestrateunderthisContractisspecified

6、in36.5inlinewithrelevantrules.Incaseofchangeofinterestrate,theinterestratestipulatedintheContractshallprevailforloanswithalifeoflessthanorequaltooneyear;Forloanswithalifeexceedingoneyear,theinterestshallbecalculatedonamulti-stagebasis,i.e.FromnextJan.1stfollowingtheadjustmentofinterestrate,thenewrat

7、eshallprevail.IncasetheBorrowerfailstorepaytheprincipalandinterestbeforetheduedate,orfailstousetheloanforpurposesasagreedinthisContract,thelendershallbeentitledtocollectdefaultinterestinlinewithreleva