此资料由网络收集而来，如有侵权请告知上传者立即删除。资料共分享，我们负责传递知识。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。ThisContractismadeinlinewiththeContractLawofthePeople’sRepublicofChinaandTheGeneralProvisionsofLoansofthePeople’sBankofChinatospecifytherightsandobligationsofpartiesinvolved.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。3.2AcertificateofindebtednessoraloanvoucherisanintegralpartofthisContract.Thedateofadvanceandpaymentduedateshallfollowthedatespecifiedonthecertificateofindebtednessorloanvoucher.WherethereisanyinconsistencybetweenthestipulationsonthecertificateofindebtednessorloanvoucherandtheTermsandConditionsonthisContractexceptdate,thelattershallprevail.1此资料由网络收集而来，如有侵权请告知上传者立即删除。资料共分享，我们负责传递知识。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,timeandamountoftransferring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:TheinterestrateunderthisContractisspecifiedin36.5inlinewithrelevantrules.Incaseofchangeofinterestrate,theinterestratestipulatedintheContractshallprevailforloanswithalifeoflessthanorequaltooneyear;Forloanswithalifeexceedingoneyear,theinterestshallbecalculatedonamulti-stagebasis,i.e.FromnextJan.1stfollowingtheadjustmentofinterestrate,thenewrateshallprevail.IncasetheBorrowerfailstorepaytheprincipalandinterestbeforetheduedate,orfailstousetheloanforpurposesasagreedinthisContract,thelendershallbeentitledtocollectdefaultinterestinlinewithrelevantrules.Thedefaultinterestrateisspecifiedin36.6.5.2遇利率调整时，实行分段计息的，贷款人有权根据国家有关规定自行调整，不另行通知借款人。5.2Incaseofcalculatinginterestonmulti-stagebasisdueto2此资料由网络收集而来，如有侵权请告知上传者立即删除。资料共分享，我们负责传递知识。adjustmentofinterestrate,thelendershallbeentitledtoadjusttheinterestrateonhisownwithoutfurthernoticetotheBorrower.第六条还款方式Article6TypeofRepaymentofLoan6.1借款人应在贷款人开设帐户，户名和帐号见36.7，并保证在每次还款日前足额存入当期应还款项的存款。借款人在此授权贷款人从借款人该帐户中扣收借款本金、利息和可能发生的复利、罚息、违约金、保费、损害赔偿金及实现债权的费用(含律师费和诉讼费)。如该帐户资产不足以归还到期的贷款本息，贷款人有权从借款人在中国工商银行任何分支机构开立的任何帐户划收。6.1TheBorrowershouldop...
