【正文】 the loan in advance, the borrower shall obtain prior written consent of the lender. Without written consent of the lender, the borrower shall still repay the loan principal and interest in accordance with the period specified in the contract. If the borrower repays part of the loan principal and interest in advance, the loan interest will be still charged for the part of early repayment amount on and before the date of early repayment according to repayment according to the relevant regulations of the present contract, and the charged loan interest will not be calculated and refunded. If the borrower repays all the outstanding loan principal and interest in a lump sum in advance, the lender will have the right to charge the loan interest on and before the date of early repayment according to repayment according to the relevant regulations of the present contract, will not calculate and refund the charged loan interest, and also will not calculate and charge the loan interest after the date of early repayment. If the borrower repays the loan principal in advance, a default。 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。 [(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。s account according to the borrower’s application for money withdrawal and then the money will be paid by the borrower himself to the borrower39。 amount) – 1 – 2。 amount) – 1 – 2。 amount) – 1 – 2。 for the loan guaranteed by means of pledge, the pledge object has been delivered to the lender for possession。s Bank of China adjusts the benchmark loan interest rate during the period, then, since the time that the contract loan interest agreed in the present contract is adjusted, the new contract loan interest rate will be executed after the floating according to the above said floating proportion on the basis of the new loan benchmark interest rate. Therein, monthly interest rate = annual interest rate / 12, daily interest rate = annual interest rate / 360, and the interest rate per period = annual interest rate the number of the month(s) of each period / 12. If the borrower needs to continue adopting the fixed interest rate to calculate the interest, then the borrower shall propose a separate application to the bank.If the benchmark loan interest rate regulated by the People39。s Bank of China adjusts the benchmark loan interest rate or Shanghai Pudong Development Bank adjusts the fixed interest rate applicable to this business within the loan period, then the interest rate executed in the present contract will not be adjusted. The fixed interest rate of the corresponding period while signing the present contract is: – 3 – 3 (“ % (annual interest rate)”). The executed interest rate is determined according to the fixed loan interest rate on the actual date of loan release published by the People39。s Bank of China is adjusted within the loan period, then the contract interest rate shall be adjusted accordingly as per the – 1 – 3 method:□ Adjustment by year, and interest accrual by stage. That is, the new interest rate will be executed according to the benchmark loan interest rate regulated by the People39。s Bank of China in the corresponding period. If the People39。 if the loan period covers full year (month) and remnant days, the interest of the part of full year (month) shall be calculated as per yearly (monthly) interest rate, and the interest of the remnant days shall be calculated according to the actual number of days. The formula of putation is as follows: For the full year and full month: Interest = principal period (the number of year(s) or month(s)) yearly or monthly interest rate。編號(hào)：時(shí)間：2021年x月x日書山有路勤為徑，學(xué)海無(wú)涯苦作舟頁(yè)碼：第37頁(yè) 共37頁(yè)No.: SPD BankPersonal Guarantee Loan ContractContract version No.:SPDB201203SPD Bank Personal Guarantee Loan Contract Personal Guarantee Loan ContractSpecial Notes: The main body of the present contract is made up of Contract Terms and Conditions as well as Summary Sheet of Elements of the Contract Terms and Conditions. The Contract Terms and Conditions needs not to be filled in, and all of its items to be filled in are indicated with specific codes。 if the loan period es to the pletion of month, the interest shall be calculated as per monthly interest rate。s Bank of China in the corresponding period. The loan interest rate under the present contract is – 1 – 1 (“□ above □ below %”) on the basis of the benchmark loan interest rate published by the People39。s Bank of China in the corresponding period as well as the floating proportion under the present contract. Monthly interest rate = annual interest rate / 12, daily interest rate = annual interest rate / 360, and the interest rate per period = annual interest rate the number of the month(s) of each period / 12.If the benchmark loan interest rate regulated by the People39。s Bank of China in the corresponding period as well as the floating proportion under the present contract. Monthly interest rate = annual interest rate / 12, daily interest rate = annual interest rate / 360, and the interest rate per period = annual interest rate the number of the month(s) of each period / 12.□ Quasifixed interest rateFixed interest rate will be executed for – 3 – 1 (“ month(s), estimated till MM DD YY) from the date of loan release. That is, it will be executed according to the fixed loan interest rate and floating range stipulated by Shan