个人消费贷款借款担保合同范本.pdfVIP

个人消费贷款借款担保合同范本 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。 This Contract is made in line with the Contract Law of the Peoples Republic of China and The General Provisions of Loans of the Peoples Ban of China to specify the rights and obligations of parties involved. 借 贷 条 款Loan Borrowing Clause 第一条 借款金额。见36.1 Article 1. Amount of loan: Refer to 36.1 第二条 借款用途。见36.2 Article 2. Purpose of loan: Refer to 36.2 第三条 借款期限。Article 3. Life of loan 3.1 见36.3 。3.1 Refer to 36.3 3.2 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。 3.2 A certificate of indebtedness or a loan voucher is an integral part of this Contract. The date of advance and payment due date shall follow the date specified on the certificate of indebtedness or loan voucher . Where there is any inconsistency between the stipulations on the certificate of indebtedness or loan voucher and the Terms and Conditions on this Contract except date, the latter shall prevail. 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 。 Article 4 Transferring o loan. The full amount o loan shall be transferred to an Account designated by the Borrower within 5 working days from the date o completing borrowing procedure. Refer to 36.4 for the frequency, time and amount of transferring 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 。 Article 5. Interest rate of loan and calculation 5.1 Interest rate of loan: The interest rate under this Contract is specified in 36.5 in line with relevant rules. In case of change of interest rate, the i