【正文】 xt 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。 amount) – 1 – 2。 amount) – 1 – 2。s Bank of China as well as the floating proportion stipulated under the present contract as of the first calendar day of the next calendar year after the interest rate adjustment.□ No interest rate adjustment, and no interest accrual by stage.□ Others: – 3 – 6 If the borrower fails to repay the loan principal and interest of the current period in full on schedule as required, it will be regarded as overdue, and the lender will have the right to charge penalty interest in accordance with the relevant provisions of 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: – 2 – 2 (“ % (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。 □ Floating interest rateIt shall be executed according to the benchmark loan interest rate and floating range published by the People39。 the Summary Sheet of Elements of the Contract Terms and Conditions is attached to the Part 2 of this contract by centralized printing or filling in all the information which needs to be filled in. The borrower and the Loaner have confirmed that all the contents of the Summary Sheet of Elements of the Contract Terms and Conditions are correct, and also acknowledged that the contract elements which need to be filled in the Contract Terms and Conditions are subject to the contents of the Summary Sheet of Elements of the Contract Terms and Conditions. All the contents of the Summary Sheet of Elements of the Contract Terms and Conditions correspond onetoone with the specific codes of the items to be filled out in the Contract Terms and Conditions, and constitutes an integral part with the Contract Terms and Conditions.The borrower: ID certificate type and No.: The lender (the Mortgagee / the pledgee): Shanghai Pudong Development Bank Co., Ltd. BranchThe mortgager (name / designation of natural person or legal person): ID certificate type and No.: The pledger (name / designation of natural person or legal person): ID certificate type and No.: 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 People39。s Bank of China adjusts the benchmark loan interest rate within the loan 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.The benchmark loan interest rate of 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.After the expiry of the fixed interest rate, ., – 3 – 4 (from MM DD YY to MM DD YY), a floating interest rate will be executed. That is, it shall be executed according to the benchmark loan interest rate and floating range stipulated by the People39。 for the pledge act requiring handling with registration procedures according to the law, the registration has been pleted. A pulsory notarization has been processed by the notarization office approved by the lender for the present contract and the guarantee documents related with the present contract as well as other files (if the lender requires). The borrower has opened a bank account for money withdrawal, interest payment, expense payment, repayment and etc. as required by the lender. Other conditions proposed by the lender. Notwithstanding the provisions of the preceding paragraph, the establishment of the above conditions for money withdrawal does not represent that the lender necessarily has the obligation to release the loan when the above conditions are meet. The lender may suspend, and reduce or cancel the release of the loan and notice the borrower under the circumstances that the lender needs to adjust and increase the conditions for the loan release according to its own limits due to the changes of law, rules and regulations as well as policies or the restrictions of the government’s macro currency policies or financial regulatory policies or that other major incident change occurs。(4) – 1 – 2 .□ The borrower has not opened