- 目录
第1篇 中信银行贷款业务居间服务合同
2023中信银行贷款业务居间服务甲方：___________________
乙方：___________________
双方代表经磋商后，一致同意订立本合同书。
一、 甲方委托乙方向银行联系和安排约借款(具体借贷金额由银行评估审批后确定)，用于个人消费或装修，乙方接受委托。
二、 甲方职责：
1、 提供借贷所需的真实性资料。
2、 积极配合办理相关手续。
3、 维护乙方权益。
三、 乙方职责：
1、 充分发挥资源优势，认真负责加速办理所有借款手续，在金融机构审批后，借款全额汇入甲乙双方共管账号即视为成功。
2、 全面协调甲方与金融机构的关系。
3、 维护甲方权益。
四、 甲方需承担的费用：
1、 利息(详见甲方与贷款银行间签订的相关合同、协议约定);
2、 公证费、共管账户开户费用(详见甲方与公证处、银行间签订的相关合同、协议约定);
3、居间服务费：税后元，甲方须在银行贷款审批成功，在房管局办理他项权利证后一次性将贷款总额的居间服务费从共管账户中提取。
五、 违约责任：
1、 本合同生效后如任何一方擅自撤销委托则视作违约。违约方即须支付人民币
2、银行贷款审批完毕在房管局办理他项权利证后，甲方保证配合乙方从共管账户中提取全部居间服务费，每延误一天甲方按申请贷款总额千分之五向乙方支付滞纳金。
3、如因国家政策调整及甲方未能达到担保或银行贷款条件造成银行无法放贷的，乙方对此不承担违约责任。
六、 其它：
1、 本合同甲乙双方签字盖章，贷款项目银行受理审批后即生效，在履约完毕后自行终止;
2、 本合同一式二份，甲乙双方各执一份，具有同等法律效力;
3、 本合同未尽事宜甲乙双方可协商解决;
4、本合同内容双方均有义务保守机密，不得擅自对外泄露;
5、每笔贷款因不可抗力因素未能办成收取元劳务费，其余费用全部退还。
甲方(签字)： ___________________乙方(签字)：___________________
______年____月____日 ______年____月____日
第2篇 中信银行个人购房借款合同
2023中信银行个人购房借款编号
借款人(即抵押人，以下简称甲方)：
身份证件名称及号码：居民身份证：住所：联系电话：邮政编码：
共同借款人：
身份证件名称及号码：居民身份证：住所：联系电话：邮政编码：
贷款人(即抵押权人，以下简称乙方)：
住所：联系电话：邮政编码：法定代表人负责人：
保证人(以下简称丙方)：法定代表人：住所：联系电话：邮政编码：
甲方、乙方和丙方
依据《中华人民共和国民法典》等有关法律、法规，经平等协商一致，订立本合同。
第一条借款金额
贷款金额详见本合同第条
第二条贷款用途及支付对象
本合同项下贷款用于购买本合同第条约定的房屋。
在贷款期间，甲方承诺本合同项下贷款不以任何形式流入证券市场、期货市场和用于股本权益性投资，不用于借贷牟取非法收入，不用于其它国家法律法规规定不得经营的项目，否则，甲方应承担由此给乙方造成的任何损失。
本合同项下支付对象为本合同丙方。
第三条贷款利率
甲方可在浮动利率或阶段性固定利率方式中选择一种，详见本合同第条。
在贷款期限内，甲方如欲将浮动利率变更不阶段性固定利率，或将阶段性固定利率变更为阶段性固定利率，或将阶段性固定利率变更为浮动利率，需提前向乙方提出书面申请，经乙方同意后执行。
执行阶段性固定利率未满一年的，不得将固定利率变更为浮动利率，执行固定利率满一年后，甲方申请将阶段性固定利率变更为援利率的，应按本合同第208条的约定向乙方支付违约金。
第四条贷款期限
贷款期限详见本合同第条
第五条贷款的发放和支付
除非乙方豁免如下一项或几项条件，乙方发放本合同项下贷款的前提是以下条件得到全部满足。
甲方已向乙方提供购房合同正本及有关资料和文件，并已足额支付首款;
甲方没有发生本合同所约定的任一违约事项;
甲方履行了乙方要求的申请贷款和担保手续;
乙方认为必要的其他条件。
本合同项下贷款采用受托支付方式，乙方在经审查同意发放贷款后，甲方委托和授权乙方将贷款划入丙方账户(账户名称、账号见第条)。
贷款从乙方账户划出即视为乙方的贷款义务履行完毕，贷款划出日即为实际贷款发放日，乙方自此日起开始计收利息。
第六条贷款偿还
甲方庆根据乙方有关贷款规定，在下述还款方式中选择一种方式偿还贷款本息，甲方选择的还款方式详见本合同第条。
到期一次性还本付息法，即贷款到期日一次性偿还贷款本金并支付所有利息。
按月等额本息还款法，即贷款期限内每月以相等的额度还贷款本息，计算公式为：贷款本金____月利率____(1+月利率)
还款月数还款月数每月还款额————————————————————(1+月利率)-1
按月等额本金还款法，即贷款期限内每月以相等的额度偿还贷款本金，贷款利息随本金逐月结清，计算公式为：
贷款本金
每月还款额——————+(本金-累计已还本金额)____月利率
还款月数
按单周或双周等额本息还款法
按单周或双周等额本金还款法
等比递增还款法
等比递减还款法
等额比递增还款法
等额递减还款法
宽限期等额本息还款法
宽限期等额本金还款法
甲方应当于本合同规定的每期还款日(详见条)前，将当期应偿还的贷款本息及其他款项足额存入在乙方开立的还款账户(账户名称及账号详见第条)，并不可撤销地授权乙方于当期还数日直接从该账户划收应收款项。
还款账户被有权机关冻结时，甲方应及时提供其他账户作为新的还款账户或到乙方规定的营业柜台办理还款手续。
甲方违反本合同约定，逾期或未按约定的金额足额归还贷款，乙方有权按照中国人民银行的规定对逾期贷款加收罚息(逾期贷款罚息利率详见第条)。
甲方未按合同约定用途使用贷款，乙方有权按中国人民银行的规定对甲方加收罚息(挪用贷款罚息利率见第条)。
对逾期或未按合同约定用途使用贷款的贷款，从逾期或未按合同约定用途使用贷款之日起，按罚息利率计收利息，直至清偿本息为止。
对不能按时支付的利息(包括罚息)，按罚息利率计收复利。
甲、乙双方同意遵循先还息后还本的原则，乙方按照“逾期利息(含罚息、复利)—逾期本金—当期利息—当期本金”的的顺序扣划甲方还入款项。
如果甲方还款账户中的款项不足以支付本合同项下的到期应付款项，乙方有权决定费用、利息(包括罚息、复利)、本金的清偿顺序，同时乙方有权承时从还账户中划收到期应付款项。
第七条提前还款
甲方如欲提前还款，应按乙方要求提前将不可撤销的还款申请书及还款计划提交乙方。
乙方经审核确认甲方未有拖欠贷款率息及已还清当期本息后，同意甲方申请的，甲方方可提前还款。
提前还款日前已计收的利息不作调整。
甲方提前还款，乙方有权向甲方收取违约金，具体约定利率合同第条。
经乙方同意，甲方设定自动提前还款的(阶段性固定利率房屋贷款以及约定收取提前还款违约金的除外)，按自动提前还款约定执行，其体约定见本合同第条。
第八条贷款担保
本合同项下的贷款提保为抵押加阶段性保证。
抵押加阶段性保证指甲方同意将以本合同项下贷款资金所购房屋抵押给乙方，以作为甲方偿还本合同项下贷款的担保。
对甲方取得该房屋的所有权并办妥乙方为抵押权入的抵押登记之前所产生的所有甲方应付款项，丙方提供阶段性连带责任保证。
担保范围
本合同项下的贷款本金、利息(含复利)、罚息;
违约金、赔偿金、补偿金。
为实现债权和担保权而发生的费用(包括但不限于律师费、评估费、拍卖费、诉讼费、保全费、差旅费等)。
第九条抵押
抵押特
本合同中的抵押特是指甲方向乙方贷款所购买的房屋，具体内容见本合同第条。
抵押物共有人
本合同特的共有人同意将本合同项下的抵押物作抵押，并同意受本合同约束。
甲方取得所有购房屋的所有权证之日起，甲乙双方必须在本合同第条约定的时限内依照法律规定办理抵押物的登记手续。
抵押权的行使
出现下列情形之一，乙方可以行使抵押权，并有权以处分抵押物所得价款清偿或提前清偿本合同项下的债务;
甲方不按照本合同规定偿还到期应付贷款和或其他应付款项;
甲方违反本合同的约定同，乙方宣布提前收回贷款，乙方未受清偿或未受完全清偿的。
乙方可选择下列方式之一实现抵押权
与甲方协议以抵押物折价受偿;
拍卖受偿;
变卖受偿;
法律允许的其他方式
甲方应向乙方提供抵押物的权利证书及其他有效证明文件和相应资料，经甲方和乙方确认后，由乙方保管。
、抵押关系终止
甲方还清全部贷款本息及其它应付款项，并履行了本合同的全部义务，则抵押关系终止。
第十条保证
保证方式
两方对息本合同生效之日起至甲方就本合同项下所购房屋取得房屋所有权证，办妥抵押登记和其他相关手续，并将《房屋他项权证》及其他有关资料交乙方持有之日止(“担保阶段”)甲方的所有应付款项承担连带保证责任，如甲方在担保阶段内未能依照本合同的约定按时偿还贷款本息和或相关费用的，在保证期间内，乙方有权直接要求两方承担保证责任，并有权从丙方在中信银行任何营业机构开立的账户中直接扣划。
保证期间
保证期间为担保阶段内甲方每期应付款项逾期之日起至担保阶段届满后两年。
本合同一式二份，甲方乙双方各执一份。
甲方(盖章)乙方(签名或者盖章)
年月日年月日
第3篇 中信银行个人贷款合同
code no:
借款人（以下简称甲方）：borrower (hereinafter called party a):
身份证件名称及号码：id name and code no: id card number
住所：address of living place:
联系电话：post code: 邮编：contact number:
贷款人（以下简称乙方）：lender (hereinafter called party b):
住所：address of living place:
联系电话：post code: 邮编：contact number:
抵押人：mortgager:
身份证件名称及号码：id name and code no: id card number
住所：address of living place:
联系电话：post code: 邮编：contact number:
出质人：pledger:
身份证件名称及号码：id name and code no: id card number
住所：address of living place:
联系电话：post code: 邮编：contact number:
保证人：guarantor:
身份证件名称及号码：id name and code no: id card number
住所：address of living place:
联系电话：post code: 邮编：contact number:
根据中华人民共和国合同法和担保法的相关规定，甲方、乙方和担保方经过协商，就乙方向甲方贷款事宜达成如下合同条款。
according to the relevant laws and regulations of the contract laws and
guarantee law of the people’s republic of china, party a, party b and the
relevant guarantor, after reaching agreement through negotiations on the loan to party b by party a, hereby enter into this contract.
第一条 借款金额article 1 amount of loan
详见本合同第十四条第一款。
1.1 the amount of loan is referred to article 14.1 under this contract.
第二条 借款用途article 2 purpose of loan
详见本合同第十四条第二款。
2.1 purpose of loan for this contract is referred to article 15.2.
第三条 借款利率article 3 interest of loan
一、借款利率详见本合同第十四条第三款。
3.1 interest of loan is referred to article 14.3. the interest is calculated from the day releasing loan.
二、本合同履行期间，遇中国人民银行贷款利率调整，借款利率按有关规定调整与执行，乙方将在营业场所对贷款利率调整情况进行公告，不再另行书面通知甲方。
3.2 during the term of this loan contract, interest may be changed as prescribed by the people’s bank of china, party b is entitled to adjust and implement the interest rate without further notice to party a.
第四条 借款期限及还款总期数
article 4 life of loan and total loan repayment terms
一、 借款期限详见本合同第十四条第四款。
4.1 life of loan and total loan repayment terms are referred to article 14.4.
二、实际借款发放日与本合同约定的日期不一致时，以实际借款发放日为准计算借款期限。
4.2 in the event that the actual funds release date is in disagreement with the
date stipulated under this contract, the life of loan shall be calculated based on
the actual day of funds releasing.
三、甲、乙双方约定甲方按期还款，确定还款总期数，详见本合同第十四条第四款。
第五条 借款发放article 5 release of funds under the loan
一、乙方发放借款的前提是甲方提供了符合乙方要求的证明材料，履行了乙方要求的申请借款和担保手续，签署了申请借款所需法律文件并经乙方审查同意。
5.1 party b will release the funds under condition that party a has provided
evidences complying with requirements of party b, and has completed the loan applying and guaranteeing procedures, and has signed the legal documents with check and approval of party b.
二、甲方授权乙方在审查同意后，将借款直接划入甲方指定并经乙方认可的账户（账户名称、账号详见第十四条第五款），即为乙方依约履行了向甲方提供借款的义务。
5.2 after funds release is approved, party a will grant party b to transfer the
loan into the account designated by party a and approved by party b (account
name and account no. are given under article 14.5).
三、本合同项下的借款发放后，甲方就所购商品或服务发生的任何纠纷，均与乙方无关，本合同应正常履行。
5.3 after releasing of the loan, any disputes under the use of funds under this
loan by party a has no relationship with party b, and the contract will still be
fulfilled.
第六条 借款偿还article 6 repayment of the loan
一、 甲方应根据乙方相关贷款办法规定，在下述四种还款方式中选择一种方式归还借款本息，甲方选择的还款方式详见本合同第十四条第六款：
6.1 party a, based on relevant regulations of party b, shall select ways of interest calculation, interest settlement and loan principal repayment under article 14.6.
二、甲方应当于乙方规定的每期还款日（详见第十四条第六款）前，将当期应偿还的借款本息及逾期的罚息、复利等足额存入在乙方开立的还款账户（账户名称及账号见第十四条第六款），并不可撤销地授权乙方于当期还款日直接从该账户划收应收款项。
6.2 the party a shall pay off the principal, interest and other items in full prior
to the stipulated due repayment day under this contract (details under article
15.6), by depositing one of any repayment account opened by party b (account name and account no. are given in article 14.6), and irrevocably authorizes party b to draw the funds receivable directly from the account above on the due repayment day.
三、甲、乙双方同意遵循先还息后还本的原则，乙方按照“期前逾期本息、罚息和复利—当期利息—本金”的顺序扣划甲方还入款项。甲方违反本合同约定，逾期或未按约定的金额归还借款本息，乙方有权按照人民银行的规定对逾期借款加收罚息。甲方逾期或未按约定的金额偿还借款利息时，乙方有权按人民银行的规定对甲方未支付的利息计收复利。
6.3 in case party a breaches the contract, failing to repay the funds on due
date or failing to pay funds in full, party b has the right to charge higher interest
rate on overdue loans as prescribed by the peoples bank of china(penalty interest rate on overdue loan is stipulated under article 15.6). in case that party a fails to use the funds for the agreed purposed under this contract, party b has the right to charge penalty interest rate on overdue loans as prescribed by the people’s bank of china (penalty interest rate on misappropriation of loan is stipulated under article 15.6). for overdue loan or loan of misappropriate use, party b shall calculate the interest rate based on penalty interest rate from the day of overdue loan or misappropriate use of loan till the principal and interest are paid off. if party a fails to pay off the interest on due date, party b shall calculate compound interest based on penalty interest rate.
第七条 提前还款article 7 repayment in advance
甲方如欲提前还款，应于拟提前还款日前三十日将提前还款申请书及还款计划以书面形式提交乙方，经乙方审核同意后即为不可撤销。甲方经乙方审核确认甲方未有拖欠借款本息及已还清当期本息后方可提前还款。提前还款日前已计收的利息不作调整。
提前还款，乙方有权按提前还款金额的 %计收损失补偿金。
7.1 if party a is able to pay off the loan ahead of time, it shall submit to party b the irrevocable loan repayment application and repayment plan. after checking
and confirming that party a has no delay of loan principal and interest and has
paid off the current interest, party b will approval the repayment ahead application, then party a can repay the loan in advance.
the interest repayable before repayment-in-advance day shall not be adjusted.
第八条 借款担保article 8 guarantee of loan
本合同项下的担保条款的效力独立于本合同。甲方对借款提供的担保可选择如下方式，详见本合同第十四条第八款。
8.1 the effectiveness of guarantee terms under this contract is independent of
this contract. the guarantee type for the loan is specified in article 15.8.
一、抵押担保mortgage guarantee
（一）抵押人自愿将本合同附件一“抵押物清单”所列明的财产（以下简称抵押物）抵押给乙方，作为甲方偿还本合同项下借款的担保。
8.4.1 the mortgager voluntarily mortgages the property in guaranty list-the
attachment a of this contract, and agrees to be restricted by this contract.
（二）本合同抵押物的共有权人同意将本合同项下的抵押物作抵押，并同意受本合同约束
8.4.2 the co-owner of the mortgaged property under this contract agrees to
mortgage the property and be restricted by this contract.
（三）抵押担保范围：scope of guarantee
1．本合同项下的借款本金、利息（含复利）、罚息；
8.3.1 the principal of loan, interest (including compound interest), penalty interest under this contract;
2．违约金、赔偿金、补偿金；8.3.2 penalty, compensation, reimbursement;
3．为实现债权和抵押权而支付的费用（包括但不限于因违约方产生的律师费、抵押物处置费）。
8.3.3 expenses arising from realization of liability and guarantee right(including,
but not limited to attorneys' fees, assessment fee, auction fee, law suit fee,
all-risk fee, travel expense etc.).
（四）抵押人必须依照法律规定办理抵押物的登记手续。抵押人向乙方提供该抵押物的所有权证明文件及有关资料，抵押登记证明文件正本交乙方保管。
8.4 the mortgager shall complete the registration of mortgaged property based on laws and regulations. the mortgager shall take on the fees for the mortgaged property. the mortgager shall provide to the party b the evidence documents and relevant materials of ownership of the guaranty, and the original of mortgage registration certificate shall be kept by party b.
（五）出现下列情形之一，乙方可以行使抵押权：
8.4 party b can exercise the mortgage right in case one of following situations happens:
1．甲方债务履行期限届满，乙方未受清偿或未受完全清偿的；
(1) party a fails to repay the due loan payable and/or other items payable
based on this contract;
2．甲方违反本合同的约定，乙方宣布提前收回借款，乙方未受清偿或未受完全清偿的；
(2) party breaches the contract, party b claims to take back the loan in advance, and party b fails to be paid off or not fully paid off;
3．抵押人违反本合同的约定，擅自处分抵押物，或实施足以使抵押物价值减少的行为，乙方要求抵押人恢复原状或者提供担保遭拒绝，乙方可以提前行使抵押权。
(3) the mortgager breaches the contract by disposing the guaranty, or implements action enough to decrease the value of guaranty, and party b is refused of restoring the guaranty to original value or providing guarantee, party b can exercise the mortgage right in advance.
（六）乙方可选择下列方式之一实现抵押权：
party b can select any one of the following ways to realize the mortgage right:
1．与抵押人协议以抵押物折价受偿；
(1) discount of mortgage in agreement with mortgager;
2．拍卖受偿；(2) auction of guaranty;
3．变卖受偿；(3) sale of mortgage;
4．法律允许的其他方式。(4) other ways allowed by law.
（七）抵押人应向乙方提供抵押物的权利证书及其他有效证明文件和相应资料，经乙方确认后，由乙方保管。
the mortgager shall provide to party b the ownership certificate and other valid certification documents and relevant materials, after confirmation of party b, all documentation aforementioned shall be kept by party b.
（八）甲方还清全部贷款本息及其它应付款项，并履行了本合同的全部条款，则抵押关系终止。
under condition that party a pays off the total loan principal and interest,
and in fulfillment of all items under this contract, the mortgage relationship
shall terminate.
（九）抵押权存续期间，抵押人应将其所知道或应当知道的对抵押权产生或可能产生不利影响的情况及时书面通知乙方。
within the period of mortgage, the mortgager shall inform the party b in a
written way all situations he knows or should know that have produced or may
produce adverse impact on the guaranty
（十）抵押权存续期间，抵押人对抵押物应当妥善保管；负有维修、保养、保持抵押物完整无损的义务并随时接受乙方的监督与检查。
within the period of mortgage, the entire guaranty shall be taken good
care of by the mortgager, who as well responsible for repair and maintenance
to make sure that the guaranty is all preserved well, and subject himself to the
supervision and inspection from party b at any time.
（十一）抵押权存续期间，抵押人的行为足以使抵押物价值减少时，乙方有权要求抵押人停止该行为，并要求抵押人在十日内恢复抵押物的价值或者提供与减少价值相当的担保。
within the period of mortgage, should any decreases happen owing to the action of mortgager, party b has the right to request the mortgager to stop the action and restore the value or provide guaranty worth the equal value of the decreases within ten(10) days.
（十二）抵押权存续期间，抵押人可以将抵押物出借、（在抵押行为成立后）出租；抵押人在从事上述行为前，均需及时通知贷款人，若上述行为影响债权安全，贷款人有权要求抵押人禁止实施上述行为。未经乙方书面同意，甲方不得转让、变更、赠与抵押物。
within the period of mortgage, without any written approval from party b,
the mortgager shall have no right to dispose the guaranty (disposing way
includes, but not limited to, transferring, renting, selling, donating the
guaranty).
（十三）抵押权存续期间，经乙方同意的抵押物转让所得价款，应提前清偿本合同项下的债务或转为定期存款质押。
8.4.12 within the period of mortgage, any money got by transferring the guaranty based on the approval of party b shall be used for paying off the loan ahead of schedule or changed to fixed deposit for guarantee.
（十四）抵押人应当按照乙方的要求购买抵押财产等保险并以乙方为优先受偿人，且不得约定任何有损乙方权益的条款。保险期限应长于借款期限，如本合同借款展期，抵押人同意继续办理抵押物延长投保的手续。保险单和续保单正本由乙方保管。如抵押人拒绝办理续保手续，乙方可以代替抵押人直接办理续保手续，续保费用由抵押人承担。
as per the requests of party b, the mortgager shall give an insurance
upon his guaranty, and party b should be the insured enjoying right of exclusive and being paid off with priority/ primary beneficiary, and no items against benefits of party b shall be specified. the insurance term shall be longer than loan term under this contract. if term of loan under this contract is extended, the mortgager shall agree on the renewal insurance for the guaranty. the originals of insurance policy and renewal order shall be kept by party b. if mortgager refuses extending the insurance term, party b has the right to deal with insurance term extending instead of mortgager, and the renewal insurance cost shall be taken on by the mortgager. should any losses caused by refusal of insurance or renewal insurance, or failing to pay for the insurance from mortgager, the mortgager shall take on them.
（十五）抵押权存续期间，抵押人不得中断或者撤销上述保险。
within the period of mortgage, the mortgager shall not discontinue or
cancel the abovementioned insurance.
（十六）抵押权存续期间，抵押物发生保险事故，保险赔偿金应当用于提前清偿本合同项下的债务。
within the period of mortgage, should any accident happens to the guaranty, insurance compensation should be used for paying off the loan under this contract ahead of schedule with priority.
（十七）乙方与甲方变更本合同（包括但不限于借款金额、期限、利率、结息方式、还款方式，还款期数、每期还款额），只要不加重抵押人的责任，无须征得抵押人同意，抵押人仍承担担保责任。
when party b and party a change the contract (including, but not limited to, amount of loan, term of loan, interest rate, type of interest settlement, type of repayment, period of repayment, repayment amount for each period), the mortgager is no need to be notified if responsibility of mortgager is not increased accordingly, and the mortgager is still bear the responsibility of guarantee.
二、质押担保pledge guarantee
（一）出质人自愿将本合同附件二“质押物清单”所列明的动产/权利（以下简称质物）质押给乙方，作为甲方偿还本合同项下借款的担保。
the pledger voluntarily pledges the movable assets/rights in pledges list-attachment b of this contract, and agrees to be restricted by this contract.
（二）本合同质物的共有权人同意将本合同项下的质物作质押，并同意受本合同约束。
the co-owner of the pledges under this contract agrees on pledging and be restricted by this contract.
（四）出现下列情形之一，乙方可以行使质权：
party can exercise the pledge right in case one of following situations
happens:
1．甲方债务履行期限届满，乙方未受清偿或未受完全清偿的；
party a fails to repay the due loan payable and/or other items payable based on this contract;
2．乙方根据本合同的约定，提前收回借款，乙方未受清偿或未受完全清偿的；
party breaches the contract, party b claims to take back the loan in advance, and party b fails to be paid off or not fully paid off;
3．质物价值减少，出质人未按照乙方要求提供担保的，乙方可以提前行使质权。
should the value of pledges is decreased, and the pledger fails to provide guarantee required by party b, party b can exercise the pledge right in advance.
（五）乙方可选择下列方式之一实现质权：
party b can select any one of the following ways to realize the pledge right:
1．与出质人协议以质物折价受偿；discount of pledges in agreement with pledger;
2．拍卖受偿；auction of pledges;
3．变卖受偿；sale of pledges;
4．法律允许的其他方式。other ways allowed by laws.
（六）甲方与乙方变更本合同（包括但不限于借款金额、期限、利率、结息方式、还款方式、还款期数、每期还款额），只要不加重出质人的责任，无须征得出质人同意，出质人仍对本合同项下的债务承担担保责任。
when party b and party a change the contract(including, but not limited to, amount of loan, term of loan, interest rate, type of interest settlement, type of repayment, period of repayment, repayment amount for each period), there is no need to ask for approval of the pledger, and the pledger is still bear the responsibility of guarantee.
（七）出质人应将质物或质押权利凭证交乙方保管。甲方偿还本合同项下的全部借款本金、利息及费用或出质人代甲方清偿所担保的债权，乙方应将质物及其相关证明文件返还出质人。
the pledger shall provide to party b the evidence certificates, after confirmation of party b, and all certificates shall be kept by party b. when party a pays off the principal, interest and expenses for the whole loan under this contract, or the pledger pays off the guaranteed security instead of party a, party b shall return the pledges and relevant certificates to the pledger.
三、保证担保 guarantee
（一）本合同的保证方式为连带责任保证。
the guarantee form under this contract is joint liability assurance.
（二）保证人保证担保的范围：
1．本合同项下的借款本金、利息（含复利）、罚息；
2．违约金、赔偿金、补偿金；
3．为实现债权和质权而支付的费用（包括但不限于因违约方发生的律师费）。
（三）保证人保证责任的保证期间自本合同生效之日起，至本合同项下债务履行期限届满之日起两年。
the guarantee period is two years, from the day when the contract becomes effective till the expiring day of liability fulfillment term under this contract.
（四）在借款期内，保证人发生被宣告破产、被依法撤销、解散、资不抵债等丧失担保资格和能力的变故时，保证人应及时通知乙方，甲方应提供新的担保。
within the term of loan, should the guarantor be declared bankrupt or be
dissolved, or under insolvency to lose qualification of guarantee and ability, the
guarantor should notify party b in time, and party should provide a new guarantee.
第九条其他权利与义务article 9 miscellaneous rights and obligations
一、甲方保证提供的申请借款文件是真实、有效、合法的，并接受乙方的监督和检查。
9.1 party a shall ensure the loan application data are complete, true, valid and
legal, and cooperate with party a to investigate, censor and check the data.
二、甲方应定期或随时应乙方要求，向乙方提供真实反映甲方财务状况或收入情况的文件或证明。
9.2 at regular time or any time requested by party b, party a should provide
the documents or certificates reflecting truly the financial status or income of
party a.
三、本合同履行期间，甲方单位、住所、联系方式等发生变化，应在变化发生后十日内通知乙方。
9.3 within period of this contract, should any changes occur in company, address, contact way of party a, he shall inform party b within ten (10) days after the changes.
四、甲方不得挪用借款。甲方借款不用于购买或退掉本合同约定的商品或服务，应按提前还款与乙方结算，否则，视为改变借款用途挪作他用。
9.4 party a shall not use the loan funds for other purpose than that prescribed
under this contract. if party a does not use the loan on the agreed purpose under this contract, he should clear the loan with party b ahead of schedule, otherwise, party a shall be treated as misappropriate use of loan.
五、本合同履行期间，担保人发生或可能发生影响其担保能力的变化，甲方应当在变化发生的五日内书面通知乙方并应当在十日内提供新的、符合乙方要求的担保或者采取乙方认可的补救措施。
9.5 within period of this contract, should any changes happens or may happen
to the guarantor that influence his guaranteeing ability, party a should notify
party b in written way within five (5) days after the changes and provide a new
guarantee complying with requirement of party b or take any remedial measures approved by party b within ten (10) days.
六、甲方应当按照乙方的要求投保保险并以乙方为保险的优先受偿人。本合同履行期间，甲方不得中断、撤销保险。
9.6 party a shall be responsible for handling the attorney service, registry,
insurance, notarization, evaluation etc related to the contract and all expenses.
七、本合同项下的按揭律师服务费、保险费、评估费、公证费等费用按照相关规定或由甲乙双方协商承担。
第十条 违约责任article 10 default liability
一、发生下列情况之一即构成违约：
10.1 fault liability occurs in case any one of the following situations happens:
（一）甲方改变借款用途；party a changes the purpose of the loan;
（二）甲方违反本合同约定，逾期或未按约定的金额归还借款本息；
party a breaches the contract, failing to repay the funds on due date or failing to pay funds in full;
（三）甲方提供的证明、资料等文件有虚假、非法的情况；
the certificates and materials provided by party a are fake or illegal;
（四）甲方死亡、被宣告死亡、被宣告失踪、丧失民事行为能力后无继承人、受遗赠人、财产代管人、监护人或者其继承人、受遗赠人、财产代管人、监护人拒绝履行本合同；
party a is deceased, declared disappearance or death, no heirs, donatee, property keeper, guardian after losing the capacity of civil conduct, or his heir, donatee, property keeper, guardian refuses to fulfill this contract;
（五）合同履行期间，抵押人擅自处分抵押物，或者抵押人的行为足以使抵押物价值减少，乙方要求恢复原状、提供担保遭拒绝；
within the period of the contract, in case that the mortgager disposes
the property without approval of party b, or action of the mortgager can decrease the value of guaranty, party b is refused of restoring the property or provision of new guarantee.
（六）合同履行期间，甲方中断、撤销乙方要求投保的保险；
（七）保证人提供虚假财务报告或者拒绝乙方对其财务状况进行监督、检查；
the guarantor provides false financial report or refuses the check and supervision of party b on his financial status.
（八）保证人违反本合同保证条款或丧失担保能力甲方未能提供符合乙方要求的担保；
the guarantor breaches the terms of this contract or loses the ability of
guarantee, and party a fails to provide the guarantee required by party b.
（九）甲方或担保人其他可能影响归还乙方贷款的行为。
other actions from party a or the guarantor that may influence repayment of loan to party b.
二、发生违约情况时，乙方有权采取以下一种或多种措施：
10.2 in the event of default, party b has the right to take any one or a few
measures below:
（一）按中国人民银行的规定计收罚息和复利；
calculate the penalty interest rate and compound interest as regulations of the people’s bank of china;
（二）要求甲方立即提前偿还部分或全部借款，或以合法程序处分本合同项下的抵、质押物以清偿全部借款和利息，或要求保证人履行保证责任；
dispose the guaranty under mortgage and/or pledge by law, to pay off
the total loan and relevant interest; require the guarantor to fulfill the guarantee liability;
（三）其他法律允许的措施。other measures allowed by law.
第十一条 公证article 11 notarization
11.1 if any party under this contract makes request of notarization, this contract
shall be notarized by notary organ, and party a shall be responsible for the
expense.
如任何一方提出对本合同进行公证，则由公证机关进行公证，公证费用由甲方承担。
11.2 if party b requests the notarial deed of documents for creditor‘s rights with
force of compulsory execution, party a will agree that party b could apply to
issue the notarial deed with compulsory force with the notary organ. if party a
fails to pay off all loan principal, interest and relevant expense on due date,
party b could take the notarial deed directly to people‘s court w
