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IndividualMortgageLoanContractforPurchasing

CommercialHousing

AgriculturalBankofChina

GFZiNo.12105200500001133

Guarantor:HUANGWenya(sealed)

Inaccordancewithrelevantstatelawsandrules,thecontractismadeafternegotiationsbetweenthebothparties.

Loanitems

Article1.Loanmoney:

Thedebitorprovidesloantothecreditortopurchasetheresidentialhouse.Thecontractedloaningamount:Article2.Loanpurpose:

TopurchasethehousinglocateThecontractnumberofthedebtor:Article3.Loanperiod

Article4.Loaninterests

1.bytheBankofChina.IntheeventthattheBankofChinaadjuststheinterestrateoftheloan,fromJan.1thenextyear,thedebtorperformstheinterestpaymentaccordingtothenewloansconfirmedbythefloatingscopebetweentheadjustedstandardinterestandthelendingrateagreedinthecontract.Itwillnotnotifythedebtor,theguarantorandthemortgageragain.

2.Iftheborrowerdoesn’trefundtheloaninaccordancewiththecontract,fromtheoverduetime,thelenderhastherighttocallforadditionalmoneyaspenaltyuntilthecorpusandinterestsarepaidoff.Followingthemeasurewillbecompliedwith.day

3.Thecreditorhastherighttocallforpercentraisingmoneyaspenaltyatthebasisoftheannualinterestratestipulatedinthecontract.IntheeventthattheBankofChinaadjuststheinterestrateoftheloan,theloanrateunderthecontractshallcomplywiththerelevantregulationfromthedayofadjustingrate.

4.Iftheborrowerdoesnotusethemoneyaccordingtothepurposestipulatedinthecontract,thelenderhastherighttocallforpercentraisingmoneyaspenaltyatthebasisoftheannualinterestratestipulatedinthecontract.IntheeventthattheBankofChinaadjuststheinterestrateoftheloan,theloanrateunderthecontractshallcomplywiththerelevantregulationfromthedayofadjustingrate.

Article5.

Underthecircumstancesthatthefollowingconditionsarenotachieved,thelenderhastherightnottoprovidetheloanstipulatedinthecontract.

1.Theborrowershallofferrelevantdocuments,materialsandcredenceinaccordancewiththerequirementsofthelender.Andtheborrowershall

handletherelevantprocedures.

2.Thepurchasingmoneyofthefirstperiodandthemoneyrelatedtothecontracthavebeenpaidoff.

3.Ifthecontracthasaguarantorandtheproceduresofrelevantregistrationand/orinsurancehavebeensettledinaccordancewiththerequirementsoftheborrower,thisguaranteekeepseffective.

4.Theborrower,theguarantorandthemortgagerdon'tmakeanydisadvantageousmatterswhichwillaffectthesafetyofloan.

Article6.Transferringmethods:

Theborroweropensanaccountinthelender’sbank.TheaccountnameisTheopeningbankiscardnumberismeasure.

1.Thedebtorirrevocablyaccreditsthelendertotransferthemoneytotheabovesettleaccount,thentransfertothehouseseller),topaythemoneyagreedinthecontractofpurchasinghouse.

2.Theborrowerirrevocablyaccreditsthelendertotransferthemoneyto)(Accountnumber),

Article7Loanpayment

1.TheborrowerpaystheprincipalandinterestoftheloadunderthisofIfthereisnotthedayofborrowing,thepaymentdayisthelastdayofeverymonth.Theborrower

(1)Equalcapitalandinterestpayment.

(2)Equalcapitaldescendingpayment.

(3)Othermethodsofpayments

2.Ifpickinguptheequalcapitalandinterestpayment,theborrowershallpayArticle8Prepayment

1.IfBorrowerneedstorefundinadvance,itshallnoteLenderonemonthbeforerefunddayandthenoticeisirrevocableupondelivery.Onthepreconditionthattheborrowerpromisestorefundthemoneyagreedinfollowingitem2duetobreachofcontractandthepremisesthattheborrowerabidesbytheprescriptionofprepayment,thelendermayagreeprepayment.

2.Iftheborrowerhasprepaymentdaysaftertherealdayofloanlenderinadvance.

Article9Changeofpaymenttime

Iftheborrowerwantstochangethepaymenttime,heshallsubmitawrittenapplicationtothelender30daysinadvance.Aftertheapprovaloftheguarantorandthemortgager,theborrowercansigntheagreementofthechangingofthelimittimeandhandlerelevantinsurancesandguaranteeprocedures.

Article10Transferofcreditor'srightsanddebt

Theborrowercantransfertherightsandintereststothethirdpartywithoutthepermissionofthelender,guarantorandthemortgager.

Article11Borrower’sdeclarationandguarantee

Article12

Betweenthetimeofsigningandthetimeofdistributingmoney,iftheborrowerandthehousesellerhavedisputesabouttherightsandqualityofthehouse,oritoccurssomemattersthatmaycausetheborrowerincapableofpayingmoney,thelenderhastherighttoterminatethecontract.

GuarantyoftheLoan

Article13PremisesGuarantee

Thescopeofmortgageisprincipalandinterestofloanpunishedinterestandthecostofrealclaims.

Article14MortgageGuarantee

1.ThemortgagervoluntarilymortgagerthefollowingbelongingsTheaboveguarantyisanintegralpartofthecontract.moment.

3.Thescopeofmortgageincludethecapital,theinterest,thefine,compoundinterest,themoneyofbreachofthecontract,thecompensationfordamageofloanandallthefeesthatrealizethecreditor’srights.

4.Thedeclarationandguaranteeofthe