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20xx年中信銀行個(gè)人貸款合同中英文版(編輯修改稿)

2025-01-25 05:01 本頁(yè)面
 

【文章內(nèi)容簡(jiǎn)介】 n and restore the value or provide guaranty worth the equal value of the decreases within ten(10) days.
  (十二)抵押權(quán)存續(xù)期間,抵押人可以將抵押物出借、(在抵押行為成立后)出租。抵押人在從事上述行為前,均需及時(shí)通知貸款人,若上述行為影響債權(quán)安全,貸款人有權(quán)要求抵押人禁止實(shí)施上述行為。未經(jīng)乙方書(shū)面同意,甲方不得轉(zhuǎn)讓、變更、贈(zèng)與抵押物。
  Within the period of mortgage, without any written approval from Party B,
  the mortgager shall have no right to dispose the guaranty (disposing way
  includes, but not limited to, transferring, renting, selling, donating the
  guaranty).
  (十三)抵押權(quán)存續(xù)期間,經(jīng)乙方同意的抵押物轉(zhuǎn)讓所得價(jià)款,應(yīng)提前清償本合同項(xiàng)下的債務(wù)或轉(zhuǎn)為定期存款質(zhì)押。
   Within the period of mortgage, any money got by transferring the guaranty based on the approval of Party B shall be used for paying off the loan ahead of schedule or changed to fixed deposit for guarantee.
  (十四)抵押人應(yīng)當(dāng)按照乙方的要求購(gòu)買(mǎi)抵押財(cái)產(chǎn)等保險(xiǎn)并以乙方為優(yōu)先受償人,且不得約定任何有損乙方權(quán)益的條款。保險(xiǎn)期限應(yīng)長(zhǎng)于借款期限,如本合同借款展期,抵押人同意繼續(xù)辦理抵押物延長(zhǎng)投保的手續(xù)。保險(xiǎn)單和續(xù)保單正本由乙方保管。如抵押人拒絕辦理續(xù)保手續(xù),乙方可以代替抵押人直接辦理續(xù)保手續(xù),續(xù)保費(fèi)用由抵押人承擔(dān)。
  As per the requests of Party B, the mortgager shall give an insurance
  upon his guaranty, and Party B should be the insured enjoying right of exclusive and being paid off with priority/ primary beneficiary, and no items against benefits of Party B shall be specified. The insurance term shall be longer than loan term under this contract. If term of loan under this contract is extended, the mortgager shall agree on the renewal insurance for the guaranty. The originals of insurance policy and renewal order shall be kept by Party B. If mortgager refuses extending the insurance term, Party B has the right to deal with insurance term extending instead of mortgager, and the renewal insurance cost shall be taken on by the mortgager. Should any losses caused by refusal of insurance or renewal insurance, or failing to pay for the insurance from mortgager, the mortgager shall take on them.
  (十五)抵押權(quán)存續(xù)期間,抵押人不得中斷或者撤銷(xiāo)上述保險(xiǎn)。
  Within the period of mortgage, the mortgager shall not discontinue or
  cancel the abovementioned insurance.
  (十六)抵押權(quán)存續(xù)期間,抵押物發(fā)生保險(xiǎn)事故,保險(xiǎn)賠償金應(yīng)當(dāng)用于提前清償本合同項(xiàng)下的債務(wù)。
  Within the period of mortgage, should any accident happens to the guaranty, insurance pensation should be used for paying off the loan under this contract ahead of schedule with priority.
  (十七)乙方與甲方變更本合同(包括但不限于借款金額、期限、利率、結(jié)息方式、還款方式,還款期數(shù)、每期還款額),只要不加重抵押人的責(zé)任,無(wú)須征得抵押人同意,抵押人仍承擔(dān)擔(dān)保責(zé)任。
  When Party B and Party A change the contract (including, but not limited to, amount of loan, term of loan, interest rate, type of interest settlement, type of repayment, period of repayment, repayment amount for each period), the mortgager is no need to be notified if responsibility of mortgager is not increased accordingly, and the mortgager is still bear the responsibility of guarantee.
  二、質(zhì)押擔(dān)保Pledge Guarantee
  (一)出質(zhì)人自愿將本合同附件二“質(zhì)押物清單”所列明的動(dòng)產(chǎn)/權(quán)利(以下簡(jiǎn)稱(chēng)質(zhì)物)質(zhì)押給乙方,作為甲方償還本合同項(xiàng)下借款的擔(dān)保。
  The pledger voluntarily pledges the movable assets/rights in Pledges ListAttachment B of this contract, and agrees to be restricted by this contract.
  (二)本合同質(zhì)物的共有權(quán)人同意將本合同項(xiàng)下的質(zhì)物作質(zhì)押,并同意受本合同約束。
  The coowner of the pledges under this contract agrees on pledging and be restricted by this contract.
  (四)出現(xiàn)下列情形之一,乙方可以行使質(zhì)權(quán):
  Party can exercise the pledge right in case one of following situations
  happens:
  ,乙方未受清償或未受完全清償?shù)摹?br />  Party A fails to repay the due loan payable and/or other items payable based on this contract。
  ,提前收回借款,乙方未受清償或未受完全清償?shù)摹?br />  Party breaches the contract, party B claims to take back the loan in advance, and Party B fails to be paid off or not fully paid off。
  ,出質(zhì)人未按照乙方要求提供擔(dān)保的,乙方可以提前行使質(zhì)權(quán)。
  Should the value of pledges is decreased, and the pledger fails to provide guarantee required by Party B, Party B can exercise the pledge right in advance.
  (五)乙方可選擇下列方式之一實(shí)現(xiàn)質(zhì)權(quán):
  Party B can select any one of the following ways to realize the pledge right:
  。Discount of pledges in agreement with pledger。
  。Auction of pledges。
  。Sale of pledges。
  。Other ways allowed by laws.
  (六)甲方與乙方變更本合同(包括但不限于借款金額、期限、利率、結(jié)息方式、還款方式、還款期數(shù)、每期還款額),只要不加重出質(zhì)人的責(zé)任,無(wú)須征得出質(zhì)人同意,出質(zhì)人仍對(duì)本合同項(xiàng)下的債務(wù)承擔(dān)擔(dān)保責(zé)任。
  When Party B and Party A change the contract(including, but not limited to, amount of loan, term of loan, interest rate, type of interest settlement, type of repayment, period of repayment, repayment amount for each period), there is no need to ask for approval of the pledger, and the pledger is still bear the responsibility of guarantee.
  (七)出質(zhì)人應(yīng)將質(zhì)物或質(zhì)押權(quán)利憑證交乙方保管。甲方償還本合同項(xiàng)下的全部借款本金、利息及費(fèi)用或出質(zhì)人代甲方清償所擔(dān)保的債權(quán),乙方應(yīng)將質(zhì)物及其相關(guān)證明文件返還出質(zhì)人。
  The pledger shall provide to Party B the evidence certificates, after confirmation of Party B, and all certificates shall be kept by Party B. When Party A pays off the principal, interest and expenses for the whole loan under this contract, or the pledger pays off the guaranteed security instead of Party A, Party B shall return the pledges and relevant certificates to the pledger
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