【正文】 實(shí)行分段計(jì)息，從利率調(diào)整的次年1月1日開始，按相應(yīng)利率的檔次執(zhí)行新的利率；如借款人未按約定時(shí)間歸還借款本息或未按合同約定用途使用借款，貸款人將按國(guó)家規(guī)定對(duì)借款人計(jì)收罰息，罰息率見36．6。Article rate of loan and calculation Interest rate of loan: The interest rate under this Contract is specified in in line with relevant case of change of interest rate, the interest rate stipulated in the Contract shall prevail for loans with a life of less than or equal to one year。For loans with a life exceeding one year, the interest shall be calculated on a multistage basis, next following the adjustment of interest rate, the new rate shall case the Borrower fails to repay the principal and interest before the due date, or fails to use the loan for purposes as agreed in this Contract,the lender shall be entitled to collect default interest in line with relevant default interest rate is specified in ．2遇利率調(diào)整時(shí)，實(shí)行分段計(jì)息的，貸款人有權(quán)根據(jù)國(guó)家有關(guān)規(guī)定自行調(diào)整，不另行通知借款人。 In case of calculating interest on multistage basis due to adjustment of interest rate, the lender shall be entitled to adjust the interest rate on his own without further notice to the 6 Type of Repayment of Loan6．1借款人應(yīng)在貸款人開設(shè)帳戶，戶名和帳號(hào)見36．7，并保證在每次還款日前足額存入當(dāng)期應(yīng)還款項(xiàng)的存款。借款人在此授權(quán)貸款人從借款人該帳戶中扣收借款本金、利息和可能發(fā)生的復(fù)利、罰息、違約金、保費(fèi)、損害賠償金及實(shí)現(xiàn)債權(quán)的費(fèi)用(含律師費(fèi)和訴訟費(fèi))。如該帳戶資產(chǎn)不足以歸還到期的貸款本息，貸款人有權(quán)從借款人在中國(guó)工商銀行任何分支機(jī)構(gòu)開立的任何帳戶劃收。 The Borrower should open an account with the Lender(The account name and account number are specified in .)and promise to deposit sufficient money for repayment before each due Borrower herebyauthorizes the Lender to collect , if any, pound interest, default interest, liquidated damage, premium, pensation and expenses arising from the realization of creditor’s right(including lawyer’s fee and court expense)in addition to due principal and interest of case the asset in this Account is not enough for repayment of due principal and interest, the Lender shall be entitled to collect from any Account opened by the Borrower with any branch of ．2貸款人與借款人雙方商定，自貸款發(fā)放次月起，借款人按月歸還貸款本息(一次性還本付息除外)，還款期數(shù)及還款方式見36．8。 The Borrower shall repay the principal and interest on a monthly basis(Except repaying principal and interest in a lump sum)from the second month following the issuing of loan , as agreed between the Borrower and repayment tenors and type are specified in ．3借款期間遇利率調(diào)整，如執(zhí)行本合同5．1條實(shí)行分段計(jì)息的，對(duì)借款期限在1年以上的，應(yīng)從利率調(diào)整的次年1月1日開始根據(jù)未償還借款余額和剩余還款期數(shù)進(jìn)行調(diào)整，重新計(jì)算還款金額。 In case of multistage calculation of interest as specified in due to adjustment of interest rate during the life of loan, the repayment amount for loans with a life exceeding one year shall be recalculated on the basis of balance of unpaid loan and the rest of repayment tenor from next following the adjustment of interest ．4借款人提前歸還貸款須經(jīng)貸款人書面同意，提前歸還部分的利息仍按本合同約定的利率和該部分實(shí)際使用天數(shù)計(jì)算。 Repayment of the loan ahead of schedule by the Borrower shall be subject to written consent from the interest of prepaid amount should be calculated on the basis ofrate specified in this Contract and actual 。本合同的擔(dān)保人及擔(dān)保方式見36．9。具體約定由本合同中相應(yīng)的擔(dān)保條款確足。Article 7 Guaranty Guarantor and guaranty type under this Contract is specified in specific stipulations are stated in corresponding guaranty 、義務(wù)Article 8 Rights and obligations of the ．1借款人的權(quán)利： Rights of the ；Obtain and use the loan for the period and purposes as agreed in this ． Obligations of the Borrower8．2．1如實(shí)提供貸款人所要求的資料(包括對(duì)外所欠款項(xiàng)、新發(fā)生大額借款等)配合貸款人調(diào)查、審查和檢查與借款有關(guān)的個(gè)人經(jīng)濟(jì)收入、開支等情況，并對(duì)貸款審查過程中所提供材料的真實(shí)性、準(zhǔn)確性、完整性負(fù)責(zé)；Provide the actual documents(including debts and latest large loan)required by the Lender。Cooperate with the Lender for the investigation, audit and examination of personal ine and expense amongst other relevant information。Be responsible for the sufficiency, accuracy and genuineness of documents ．2．2自覺接受貸款人對(duì)本合同項(xiàng)下借款使用情況的調(diào)查、了解及監(jiān)督； Consciously acknowledge the right of the Lender to investigate, know and supervise the use of loan under this ．2．3按本合同之約定清償本合同項(xiàng)下的借款本金及利息；不因與任何第三方糾紛為理由拒絕履行還款義務(wù)； Repay the principal and interest under this Contract in full in line with the stipulations of this refuse the repayment due to disputes with any third ．2．4承擔(dān)本合同項(xiàng)下有關(guān)費(fèi)用的支出，包括但不限于用于公證、鑒定、評(píng)估、登記等事項(xiàng)的費(fèi)用； Be responsible for the expenses under this Contract, including but not limited to expenses arising from notarizing , appraising , assessing and ．2．5當(dāng)客觀上出現(xiàn)危及借款安全的情況時(shí)(包括擔(dān)保人發(fā)生異常情況等)，最遲在事件發(fā)生后5日以內(nèi)書面通知貸款人，并保證借款本息的償還； case something which may lead to the unsafety of loan occurs(including but not limited to the fact that something exceptional occurs to the Guarantor),the Borrower shall inform the Lender in writing within 5 days of its occurrence and guarantee the repayment of principal and interest of ．2．6變更住所、通訊地址、聯(lián)系電話、工資收入(如收入水平下降幅度超過申請(qǐng)此項(xiàng)借款時(shí)收入的10％以上)等事項(xiàng)時(shí)，應(yīng)在有關(guān)事項(xiàng)變更后5日內(nèi)書面通知貸款人。 In case of any change of residence, contact address, contact phone number and ine(if the then ine decreases by over 10% paring to the ine when the loan is applied.), the Borrower shall inform the Lender in writing within 5 days of the change.