【正文】 :The guarantor (name / designation of natural person or legal person): ID certificate type and No.:Whereas:The borrower applies to the lender for RMB personal loan, in accordance with the relevant laws, rules and regulations of the People’s Republic of China, upon consensus through consultation among the parties, the present contract is hereby entered into for mutual observance.Meanwhile, the borrower, the guarantor and the lender hereby confirm that (check with a √ mark and uncheck with a mark according to the conditions):□ The present contract serves as an ancillary business document of the Personal Comprehensive Credit Granting Contract under the number of signed by the borrower and the lender.□ The present contract is an independent business document signed by the borrower, the guarantor and the lender. Part 1 Contract Terms and ConditionsArticle 1 Loan Amount and Purposepersonal business loan / personal credit loan / others: the loan amount is RMB The lender has the right to monitor the use of loans. Article 2 Loan Term, Interest Rate and Method for Interest Calculation The loan term (and the debt performance period) under the present contract is (“year(s) and month(s)”), and its start date is expected from the date (from receipt. The value date of the loan under the present contract is the date of loan release. The method for interest calculation is as follows: the loan interest will be calculated on a daily, monthly and yearly basis. The calculation methods of fullyear, fullmonth and fullday shall be adopted for loan interest. If fullyear, fullmonth and fullday cannot be reached, the last day at the end of end is the fullday. If the loan period es to the pletion of year, the interest shall be calculated as per annual interest rate。 for the loan guaranteed by means of pledge, the pledge object has been delivered to the lender for possession。 [(1+ interest rate per period) total repayment periods – 1]□ Adopt the method of matching the principal repaymentThe amount of repayment of principal and interest for each period = loan principal 247。 therein: the interest repayable for one period shall be calculated in accordance with the agreed repayment method, and the interest repayable for the part of those which are more than on period shall be determined by the days of actual occupation of the loan according to the method for interest calculation in Article of the present contract。 if the law does not 。 (2) the expiry of the repayment date of each period stipulated in the present contract。 the repayment date of each The borrower who repays the loan by installment shall start repayment from the agreed repayment date of the next month (the Gregorian calendar) after the actual release of the loan. The specific calculation method for the initial loan repayment interest of the next month after the actual release of the loan is as follows: if the days of actual occupation of the loan during the period from the date of actual release of the loan to the agreed repayment date of the next month are less than one period, then the initial loan repayment interest will be determined by the days of actual occupation of the loan according to the method for interest calculation in Article of the present contract。 and moreover, if the lender release the loan when the above said conditions are not fully met, it will not constitute a defect of the lender’s performance of contract. Article 4 Loan Release and Payment The borrower agrees the lender to pay the loan money according to the payment method of □ Method of payment by the lender upon authorizationIt means that the lender pays the loan money to the borrower’s transaction objects which are pliant with the purpose agreed in the present contract according to the borrower’s application for money withdrawal request and payment authorization. The specific loan payment provision is□ The borrower has opened a special account for loan. The borrower authorizes the lender to transfer the loan money to the special account for loan opened by the borrower at the place of the lender when the conditions for loan release are met. The account No. of the special account is The borrower can only transfer the loan money under the present contract in the special account for loan, to the account of its transaction object that the borrower applies for to the lender under the present contract and supplementary change agreement and the lender approves and agrees to bind with the special account for loan payment.If the borrower has not yet determined the information on the binding paid transaction object when entering into the present contract, or needs to change the information on the binding paid transaction object after entering into the present contract, the borrower shall specify it by signing a supplemental agreement or alteration agreement with the lender. The amount that the borrowertransfers to any binding paid transaction object shall conform to the agreement between the both parties, and the entire total amount that the borrower transfers to all the binding paid transaction objects shall not exceed the total loan amount of the present contract. The borrower agrees that, according to the provisions and requirement of the lender, the borrower shall use the loan money which will not be used any more in the special account for loan to make early repayment of the loan under the contract. When the present contract is entered into, the information on the transaction object which is bound with the special account for loan payment is as follows:(4) □ The borrower has not opened a special account for loan. The borrower authorizes the lender to transfer the loan money to the accounts of the following transaction objects which confirm to the purpose agreed in the present contract when the conditions for loan release are met. The payment condition is that the borrower offers transaction contracts or other