【正文】 中信銀行個(gè)人貸款合同格式Code No: 　　借款人（以下簡(jiǎn)稱甲方）：Borrower (hereinafter called Party A): 　　身份證件名稱及號(hào)碼：ID name and code No: ID card Number 　　住所：Address of living place: 　　聯(lián)系電話：Post code: 郵編：Contact number: 　　貸款人（以下簡(jiǎn)稱乙方）：Lender (hereinafter called Party B): 　　住所：Address of living place: 　　聯(lián)系電話：Post code: 郵編：Contact number: 　　抵押人：Mortgager: 　　身份證件名稱及號(hào)碼：ID name and code No: ID card Number 　　住所：Address of living place: 　　聯(lián)系電話：Post code: 郵編：Contact number: 　　出質(zhì)人：Pledger: 　　身份證件名稱及號(hào)碼：ID name and code No: ID card Number 　　住所：Address of living place: 　　聯(lián)系電話：Post code: 郵編：Contact number: 　　保證人：Guarantor: 　　身份證件名稱及號(hào)碼：ID name and code No: ID card Number 　　住所：Address of living place: 　　聯(lián)系電話：Post code: 郵編：Contact number: 　　根據(jù)中華人民共和國(guó)合同法和擔(dān)保法的相關(guān)規(guī)定，甲方、乙方和擔(dān)保方經(jīng)過(guò)協(xié)商，就乙方向甲方貸款事宜達(dá)成如下合同條款。 　　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. 　　第一條 借款金額Article 1 Amount of Loan 　　詳見(jiàn)本合同第十四條第一款。 　　 The amount of loan is referred to Article under this contract. 　　第二條 借款用途Article 2 Purpose of Loan 　　詳見(jiàn)本合同第十四條第二款。 　　 Purpose of loan for this contract is referred to Article . 　　第三條 借款利率Article 3 Interest of Loan 　　一、借款利率詳見(jiàn)本合同第十四條第三款。 　　 Interest of loan is referred to Article . The interest is calculated from the day releasing loan. 　　二、本合同履行期間，遇中國(guó)人民銀行貸款利率調(diào)整，借款利率按有關(guān)規(guī)定調(diào)整與執(zhí)行，乙方將在營(yíng)業(yè)場(chǎng)所對(duì)貸款利率調(diào)整情況進(jìn)行公告，不再另行書(shū)面通知甲方。 　　 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. 　　第四條 借款期限及還款總期數(shù) 　　Article 4 Life of Loan and Total Loan Repayment Terms 　　一、 借款期限詳見(jiàn)本合同第十四條第四款。 　　 Life of loan and total loan repayment terms are referred to Article . 　　二、實(shí)際借款發(fā)放日與本合同約定的日期不一致時(shí)，以實(shí)際借款發(fā)放日為準(zhǔn)計(jì)算借款期限。 　　 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、乙雙方約定甲方按期還款，確定還款總期數(shù)，詳見(jiàn)本合同第十四條第四款。 　　第五條 借款發(fā)放Article 5 Release of Funds under the Loan 　　一、乙方發(fā)放借款的前提是甲方提供了符合乙方要求的證明材料，履行了乙方要求的申請(qǐng)借款和擔(dān)保手續(xù)，簽署了申請(qǐng)借款所需法律文件并經(jīng)乙方審查同意。 　　 Party B will release the funds under condition that Party A has provided 　　evidences plying with requirements of Party B, and has pleted the loan applying and guaranteeing procedures, and has signed the legal documents with check and approval of Party B. 　　二、甲方授權(quán)乙方在審查同意后，將借款直接劃入甲方指定并經(jīng)乙方認(rèn)可的賬戶（賬戶名稱、賬號(hào)詳見(jiàn)第十四條第五款），即為乙方依約履行了向甲方提供借款的義務(wù)。 　　 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 ). 　　三、本合同項(xiàng)下的借款發(fā)放后，甲方就所購(gòu)商品或服務(wù)發(fā)生的任何糾紛，均與乙方無(wú)關(guān)，本合同應(yīng)正常履行。 　　 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. 　　第六條 借款償還Article 6 Repayment of the Loan 　　一、 甲方應(yīng)根據(jù)乙方相關(guān)貸款辦法規(guī)定，在下述四種還款方式中選擇一種方式歸還借款本息，甲方選擇的還款方式詳見(jiàn)本合同第十四條第六款： 　　 Party A, based on relevant regulations of Party B, shall select ways of interest calculation, interest settlement and loan principal repayment under Article . 　　二、甲方應(yīng)當(dāng)于乙方規(guī)定的每期還款日（詳見(jiàn)第十四條第六款）前，將當(dāng)期應(yīng)償還的借款本息及逾期的罰息、復(fù)利等足額存入在乙方開(kāi)立的還款賬戶（賬戶名稱及賬號(hào)見(jiàn)第十四條第六款），并不可撤銷(xiāo)地授權(quán)乙方于當(dāng)期還款日直接從該賬戶劃收應(yīng)收款項(xiàng)。 　　 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 　　), by depositing one of any repayment account opened by Party B (account name and account No. are given in Article ), and irrevocably authorizes Party B to draw the funds receivable directly from the account above on the due repayment day. 　　三、甲、乙雙方同意遵循先還息后還本的原則，乙方按照“期