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1、IndividualMortgageLoanContractforPurchasingCommercialHousingAgriculturalBankofChinaGFZiNo.12105200500001133Creditor(Mortgagee):TianjinJinbinBranchofAgriculturalBankofChina,Debtor(Purchaser):HUANGWenyaMortgager:HUANGWenyaGuarantor:HUANGWenya(sealed)Inacc
2、ordancewithrelevantstatelawsandrules,thecontractismadeafternegotiationsbetweenthebothparties.LoanitemsArticle1.Loanmoney:Thedebitorprovidesloantothecreditortopurchasetheresidentialhouse.Thecontractedloaningamount:RMBOneHundredEightyThousand(￥180,000).Ar
3、ticle2.Loanpurpose:TopurchasethehousinglocateinRoom402,Gate2,Building6,No.3,GuangdaStreet,High-techZonewithanconstructionareaof121.3squaremeters.Thecontractnumberofthedebtor:Thepropertycertificatenumber:KFZiNo.140014608Article3.LoanperiodTheloantermis18
4、0months,fromJan.25,2005,toJan.24,2020Article4.Loaninterests1.Loaninterests:(annual)interest6.12‰atthestandardinterestrateissuedbytheBankofChina.IntheeventthattheBankofChinaadjuststheinterestrateoftheloan,fromJan.1thenextyear,thedebtorperformstheinterest
5、paymentaccordingtothenewloansconfirmedbythefloatingscopebetweentheadjustedstandardinterestandthelendingrateagreedinthecontract.Itwillnotnotifythedebtor,theguarantorandthemortgageragain.2.Iftheborrowerdoesn’trefundtheloaninaccordancewiththecontract,fromt
6、heoverduetime,thelenderhastherighttocallforadditionalmoneyaspenaltyuntilthecorpusandinterestsarepaidoff.Followingthe1stmeasurewillbecompliedwith.(1)TakeTwopointOneten-thousandthsinterestsofmoneyaspenaltyperday3.Thecreditorhastherighttocallforpercentrais
7、ingmoneyaspenaltyatthebasisoftheannualinterestratestipulatedinthecontract.IntheeventthattheBankofChinaadjuststheinterestrateoftheloan,theloanrateunderthecontractshallcomplywiththerelevantregulationfromthedayofadjustingrate.4.Iftheborrowerdoesnotusethemo
8、neyaccordingtothepurposestipulatedinthecontract,thelenderhastherighttocallforOneHundredpercentraisingmoneyaspenaltyatthebasisoftheannualinterestratestipulatedinthecontract.IntheeventthattheBankofChinaadjuststheinterestrateofthelo
