篇一：中国工商银行个人借款合同(中英文)

中国工商银行个人借款合同（中英文）

code no.: 741

china citic bank

personal loan contract

(version of 2012)

china citic bank corporation

china citic bank chengdu branch

borrower (hereinafter referred to as “party a”address:________________________________________________________________________ _

lender (hereinafter referred to as “party b”

mortgageraddress:_______________________________________________________________ __________

according to the relevant laws and regulations of the <contract law of the people’s republic of china>, <guarantee law of the people’s republic of china> (<guarantee law>), and <property law of the people’s republic of china> (<property law>), party a, party b and the relevant guarantor sign this contract upon equal consultation.

article 1 amount of loan

the amount of loan is referred to article 15.1 under this contract.

article 2 purpose of loan and payee (scope)

2.1 purpose of loan for this contract is referred to article 15.2. during the term of loan, party a promises the loan under this contract shall not flow into stock market, futures market, be spent on equity investment or projects that are forbidden by laws and regulations of other countries to operate, or party a shall take on any loss brought to party b.

2.2 the payee for this contract (scope) is referred to article 15.

3.

article 3 interest of loan

3.1 interest of loan is referred to article 15.

4.

3.2 during the term of this loan contract, interest may be changed as prescribed by the people’s bank of china, the adjust method of loan interest rate is referred to article 15.

4.

article 4 term of loan

4.1 the term of loan is referred to article 1

5.5.

article 5 release and payment of the loan

5.1 except one or more of the following conditions are exempted by party b, otherwise, the preconditions for party b to issue the loan is all the following conditions are met:

5.1.1 party a provides the loan application and certificates required by party b;

5.1.2 party a fulfills the application procedures of loan and guarantee required by party b;

5.1.3 party a signs required legal documents of loan application, with check and approval of party b;

5.1.4 party a fulfills and signs the other procedures and relevant documents required by loan releasing of party b, with check and approval of party b.

loan fund should be paid in strict accordance with the appointment stipulated in article 5.3 under this contract. party a is not allowed to change the mode and arrangement of payment.

5.3 the loan fund should be paid by the method of entrusted payment of party b. if party a applies for self-payment in particular cases, it shall need the verification and approval of party b. the specific appointment of the payment method is as follows: 5.3.1 entrusted payment of party b

party a should apply for payment while using the loan, fill the appendix three: payment authorization/application (suitable for the condition of bank entrusted payment). party b verifies whether the relevant transaction documents and certificates provided by party a are in conformity with the contract before the payment of loan fund. with the verification and approval of party b, according to the payment entrustment of party a, party b shall deliver the loan fund that party

a applies to pay to the account of party a’s trading object listed by party a in payment authorization/application(suitable for the condition of bank entrusted payment).

5.3.2 self-payment method by party a

upon application by party a, party b shall agree to adopt self-payment method is involved in one of the following situations:

(1) party a cannot confirm detailed transaction object in advance and the amount is less than rmb

three hundred thousand yuan;

(2) the transaction object of party b cannot valid use non-cash method for settlement;

(3) loan fund used for production and operation and amount is less than rmb five hundred thousand

yuan;

(4) other situation regulated by law and regulation.

if self-payment method is adopted, party a shall fill appendix four: <self-payment application> with detailed application reason. upon checked and approved by party b, party a can use self-payment method to pay for loan fund.

article 6 repayment of the loan

6.1 party a, based on relevant regulations of party b, shall select ways of loan repayment under article 15.6.

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 15.7), and irrevocably authorizes party b to draw the funds receivable directly from the account above on the due repayment day.

article 7 repayment in advance

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