浦发银行个人抵押贷款合同英文

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敞st聋r哗at轿e很on劲t挠he垮a同ct弦ua勺l圣da绿te经o维f互lo煤an分r绘el般ea非se潜挨pu须bl胃is班he步d击by红t威he樱P榆eo妥pl绸e'本s捧Ba奖nk死o水f龟Ch岗in曾a制in税t止he含c汇or贯re蹈sp感on殿di盲ng罚p板er屠io榆d彼as嚷w减el宣l耽as菠t免he急f丽lo仅at念in碰g雾pr悼op煌or赌ti垫on凶u箭nd写er港t蝶he俊p远re让se储nt隐c星on蹄tr忙ac嫌t.浩M脏on慢th参ly怜i察nt咱er拢es抄t漫ra防te喜=洲虹an抚nu针al液卧in错te样re备st糠r朋at赌e毯/泼12陶,元da数il缠y扶in圈te口re莫st楚r旧at巩e段=还an掀nu互al封飘in科te高re趁st暮r锦at臣e移/课36掏0,控a那nd钞将th略e玉in稳te浩re般st蚀r敢at会e织pe渴r津pe茶ri鸣od事=潮a怕nn支ua盏l葵in置te叙re印st碑r鹿at未e灵×浓th消e卡nu竞mb祝er冠o互f壳th话e仔mo璃nt近h(吼s)策o拣f柏ea翅ch鬼p俊er辩io充d课/牧12渠.捧□目Qu尽as竟i-呢f粘ix击ed辟i锦nt针er茄es吓t掠ra虾teFixedinterestratewillbeexecutedforS2.4A–3–1(“month(s),estimatedtillMMDDYY)fromthedateofloanrelease.Thatis,代it欧w高il伪l慨be希e酒xe俯cu帅te快d堪ac乱co泡rd倒in聪g雄to业t得he玉f捞ix仪ed抛l大oa红n倦in耕te需re颤st归r丝at押e剪an掉d息fl元oa袭ti枝ng雁r盘an日ge舰s托ti神pu型la逢te猜d算by哄S倘ha浑ng友ha你i昼Pu耐do者ng召D今ev劈el醋op骆me改nt言B清an徐k象in净t擦he杯c白or匪re招sp让on擦di秧ng止p治er茄io风d名(损th场e抖lo免an艇p添er公io迈d祥is墨f孕ro谷m窄th粮e距da烤te悟o派f置lo钥an锄r陆el勾ea梅se腥t昂il援l纲th黄e厌da这te芳o环f逢ex登pi肝ry鞋o竭f状th待e攻co纪nt沟ra朋ct逼).柱掏Th置e评lo阿an似i萍nt络er败es锄t居ra夜te朵u巡nd处er足t皂he态p暴re妻se滚nt脚c轰on斯tr工ac橡t脾is芬政S2摸.4秩A彩–挥3碎–册柄2叉(都“□内a生bo爹ve再□仆b辨el徒ow狂溪隆须%撕〞世)奥on义t渡he涂b架as师is满o零f或th财e拐fi萄xe法d惑lo凶an课i右nt艘er唤es农t茎ra血te懂p闭ub架li闲sh卸ed陷b龄y宏Sh占an诵gh百ai体P闸ud援on圣g漏De双ve以lo技pm叠en她t认Ba毯nk接i势n战th词e劣co讽rr渡es方po且nd拨in抛g惑pe槽ri烈od倚.羽If司t散he觉P纲eo臣pl征e'猪s乱Ba厕nk稍o彻f蛛Ch涨in龟a宾ad念ju谜st百s屿th溪e菌be棵nc烤hm焰ar胀k验lo狠an繁i浪nt台er箩es约t楚ra敏te哈o载r格Sh税an熊gh渡ai把P件ud电on辈g艺De壳ve凑lo夏pm表en跨t粱Ba遣nk跌a品dj磁us逐ts妻t耳he托f石ix址ed题i宗nt陕er哨es快t元ra胁te禁a膨pp作li悟ca及bl撤e金to造t迫hi蹲s蝴bu脉si惨ne领ss翠w丙it宪hi炼n竿th签e讨lo奇an说p强er竖io瞒d,棵t贿he揪n柱th惠e壁in凑te咳re抹st但r播at指e沾ex启ec钓ut五ed漂i新n薪th套e犬pr籍es绘en池t愁co肥nt删ra祸ct睬w交il励l形no汁t衫be时a婆dj座us责te微d.膀T立he敬f鸽ix待ed体i妹nt榨er堤es唐t雕ra养te棕o方f损th例e厅co尚rr油es揉po通nd摘in湿g位pe仇ri绸od驰w睬hi势le玉s巾ig丈ni研ng堵t木he行p闸re艺se慕nt轿c悦on刊tr污ac栗t夸is坑:干S2怕.4镜A兽–妙3谋–凉葛3载(瞎“谷次惭%视(a搏nn叹ua糖l暴in劳te皮re渔st逼r轻at屋e)发〞)英.必Th勿e除ex旷ec雷ut立ed挡i辈nt闭er队es镇t附ra刃te丽i式s形de鸦te秒rm笛in饼ed畅a无cc畜or坏di纱ng忆t萝o挨th么e羊fi哄xe旗d分lo势an翼i颈nt藏er牛es挥t戴ra梦te讨o赴n顺th君e忧ac久tu需al萄d蛋at慰e寨of罚l价oa浪n鸟re智le津as忘e表pu叨bl列is慈he徒d勇by估t轿he历P乒eo稍pl膛e'型s终Ba戏nk预o广f老Ch荡in悼a破in佳t惹he笨c璃or锅re车sp访on凉di虏ng吸p起er樱io星d锡as污w侍el式l艳as槽t仓he锣f金lo副at泪in谁g葬pr燕op球or帽ti乞on困u径nd缸er蛋t阳he角p胖re子se兴nt胜c努on畏tr泳ac摆t.抢M饿on坝th炎ly锡i蚂nt王er季es湿t歼ra到te栽=欠a块nn箩ua爆l恢in俗te纠re维st寸r雁at格e萌/灿12扒,瑞da迈il端y棍in泛te杆re蔬st梁r狸at轿e搂=脉an齐nu需al揪i吧nt企er灭es某t咱ra或te呼/伟3巩60穷,殊an啄d呼th哨e编in芳te赢re摘st以r育at悲e倦pe土r玩pe践ri匀od昏=株a由nn刑ua道l丛in鲁te执re圆st疾r筛at捧e阶×亚th吧e敲nu贺mb逼er晕o友f干th死e坝mo绢nt解h(画s)角o混f痰ea摊ch锈p躲er朴io堵d鸦/乘12禾.Aftertheexpiryofthefixedinterestrate,i.e.,S2.4A–3–4(fromMMDDYYtoMMDDYY),afloatinginterestratewillbeexecuted.Thatis,itshallbeexecutedaccordingtothebenchmarkloaninterestrateandfloatingrangestipulatedbythePeople'sBankofChinainthecorrespondingperiod(theloanperiodiscalculatedfromthedateoftheloanrelease).TheloaninterestrateunderthepresentcontractisS2.4A–3–5(“□above□below%〞)onthebasisofthebenchmarkloaninterestratepublishedbythePeople'sBankofChinainthecorrespondingperiod.IfthePeople'sBankofChinaadjuststhebenchmarkloaninterestrateduringtheperiod,then,sincethetimethatthecontractloaninterestagreedinthepresentcontractisadjusted,thenewcontractloaninterestratewillbeexecutedafterthefloatingaccordingtotheabovesaidfloatingproportiononthebasisofthenewloanbenchmarkinterestrate.Therein,monthlyinterestrate=annualinterestrate/12,dailyinterestrate=annualinterestrate/360,andtheinterestrateperperiod=annualinterestrate×thenumberofthemonth(s)ofeachperiod/12.Iftheborrowerneedstocontinueadoptingthefixedinterestratetocalculatetheinterest,thentheborrowershallproposeaseparateapplicationtothebank.IfthebenchmarkloaninterestrateregulatedbythePeople'sBankofChinaisadjustedduringtheperiodofexecutingthefloatinginterestrate,thenthecontractinterestrateshallbeadjustedaccordinglyaspertheS2.4A–3–6method:□Adjustmentbyyear,andinterestaccrualbystage.Thatis,thenewinterestratewillbeexecutedaccordingtothebenchmarkloaninterestrateregulatedbythePeople'sBankofChinaaswellasthefloatingproportionstipulatedunderthepresentcontractasofthefirstcalendardayofthenextcalendaryearaftertheinterestrateadjustment.□Nointerestrateadjustment,andnointerestaccrualbystage.□Others:S2.4A–3–62.5Iftheborrowerfailstorepaytheloanprincipalandinterestofthecurrentperiodinfullonscheduleasrequired,itwillberegardedasoverdue,andthelenderwillhavetherighttochargepenaltyinterestinaccordancewiththerelevantprovisionsofthePeople'sBankofChina(seealsotherelevantcontentsofArticle12ofthepresentcontract).Article3Conditionsontheborrower’sMoneyWithdrawal3.1Unlessagreedbythelender,thelenderwillhavenoobligationtoreleasetheloanunderthecontracttotheborroweruntilthefollowingconditionsarefullymetandsatisfactorytothelenderintermsofformandcontent:3.1.1Theborrowerhassubmittedallthedocumentsanddataasrequiredbythelenderandobtainedtheapprovalofthelender.3.1.2Thepresentcontractanditsrelevantannexeshavebeenlegallysignedandenteredintoforce.3.1.3Theguaranteerightsorsimilarpriorityrightshavebeenlegallyestablishedandenteredintoforce(ifany):fortheloanguaranteedbymeansofmortgage,itsinsuranceandmortgageregistrationprocedureshavebeencompleted,andthecollateralregistrationvoucher,ownershipvoucher,mortgagerightvoucher/otherrightvoucher,andinsurancepolicyoriginalcopyhavebeendeliveredtothelenderforpossession;fortheloanguaranteedbymeansofpledge,thepledgeobjecthasbeendeliveredtothelenderforpossession;forthepledgeactrequiringhandlingwithregistrationproceduresaccordingtothelaw,theregistrationhasbeencompleted.3.1.4Acompulsorynotarizationhasbeenprocessedbythenotarizationofficeapprovedbythelenderforthepresentcontractandtheguaranteedocumentsrelatedwiththepresentcontractaswellasotherfiles(ifthelenderrequires).3.1.5Theborrowerhasopenedabankaccountformoneywithdrawal,interestpayment,expensepayment,repaymentandetc.asrequiredbythelender.3.1.6Otherconditionsproposedbythelender.3.2Notwithstandingtheprovisionsoftheprecedingparagraph,theestablishmentoftheaboveconditionsformoneywithdrawaldoesnotrepresentthatthelendernecessarilyhastheobligationtoreleasetheloanwhentheaboveconditionsaremeet.Thelendermaysuspend,andreduceorcancelthereleaseoftheloanandnoticetheborrowerunderthecircumstancesthatthelenderneedstoadjustandincreasetheconditionsfortheloanreleaseaccordingtoitsownlimitsduetothechangesoflaw,rulesandregulationsaswellaspoliciesortherestrictionsofthegovernment’smacrocurrencypoliciesorfinancialregulatorypoliciesorthatothermajorincidentchangeoccurs;andmoreover,ifthelenderreleasetheloanwhentheabovesaidconditionsarenotfullymet,itwillnotconstituteadefectofthelender’sperformanceofcontract.Article4LoanReleaseandPayment4.1TheborroweragreesthelendertopaytheloanmoneyaccordingtothepaymentmethodofS4.1A:□4.1.1MethodofpaymentbythelenderuponauthorizationItmeansthatthelenderpaystheloanmoneytotheborrower’stransactionobjectswhicharecompliantwiththepurposeagreedinthepresentcontractaccordingtotheborrower'sapplicationformoneywithdrawalrequestandpaymentauthorization.ThespecificloanpaymentprovisionisS4.1A–1:□Theborrowerhasopenedaspecialaccountforloan.Theborrowerauthorizesthelendertotransfertheloanmoneytothespecialaccountforloanopenedbytheborrowerattheplaceofthelenderwhentheconditionsforloanreleasearemet.TheaccountNo.ofthespecialaccountisS4.1A–1–1.Theabovesaidtransferactofthelenderisthemoneywithdrawaloftheborrower.Theborrowercanonlytransfertheloanmoneyunderthepresentcontractinthespecialaccountforloan,totheaccountofitstransactionobjectthattheborrowerappliesfortothelenderunderthepresentcontractandsupplementarychangeagreementandthelenderapprovesandagreestobindwiththespecialaccountforloanpayment.Iftheborrowerhasnotyetdeterminedtheinformationonthebindingpaidtransactionobjectwhenenteringintothepresentcontract,orneedstochangetheinformationonthebindingpaidtransactionobjectafterenteringintothepresentcontract,theborrowershallspecifyitbysigningasupplementalagreementoralterationagreementwiththelender.Theamountthattheborrowertransferstoanybindingpaidtransactionobjectshallconformtotheagreementbetweenthebothparties,andtheentiretotalamountthattheborrowertransferstoallthebindingpaidtransactionobjectsshallnotexceedthetotalloanamountofthepresentcontract.Theborroweragreesthat,accordingtotheprovisionsandrequirementofthelender,theborrowershallusetheloanmoneywhichwillnotbeusedanymoreinthespecialaccountforloantomakeearlyrepaymentoftheloanunderthecontract.Whenthepresentcontractisenteredinto,theinformationonthetransactionobjectwhichisboundwiththespecialaccountforloanpaymentisasfollows:(1)ThenameofthetransactionobjectisS4.1A–1–2,anditsaccountNo./passbookNo./cardNo.isS4.1A–1–2,itsaccountbankisS4.1A–1–2,anditspaymentamountshallbenotmorethan(currency&amount)S4.1A–1–2;(2)ThenameofthetransactionobjectisS4.1A–1–2,anditsaccountNo./passbookNo./cardNo.isS4.1A–1–2,itsaccountbankisS4.1A–1–2,anditspaymentamountshallbenotmorethan(currency&amount)S4.1A–1–2;(3)ThenameofthetransactionobjectisS4.1A–1–2,anditsaccountNo./passbookNo./cardNo.isS4.1A–1–2,itsaccountbankisS4.1A–1–2,anditspaymentamountshallbenotmorethan(currency&amount)S4.1A–1–2;(4)S4.1A–1–2.□Theborrowerhasnotopenedaspecialaccountforloan.Theborrowerauthorizesthelendertotransfertheloanmoneytotheaccountsofthefollowingtransactionobjectswhichconfirmtothepurposeagreedinthepresentcontractwhentheconditionsforloanreleasearemet.Thepaymentconditionisthattheborrowerofferstransactioncontractsorotherrelatedtransactionmaterialsandcertificatesandthelenderexaminesandapprovesthem.Theactthattheborrowerauthorizesthelendertopaytheloanmoneytotheaccountsofthefollowingtransactionobjectsmeanstheborrower’spaymentauthorization.Theabovesaidpaymentactofthelenderisthemoneywithdrawaloftheborrower:(1)ThenameofthetransactionobjectisS4.1A–1–2,anditsaccountNo./passbookNo./cardNo.isS4.1A–1–2,itsaccountbankisS4.1A–1–2,anditspaymentamountshallbenotmorethan(currency&amount)S4.1A–1–2;(2)ThenameofthetransactionobjectisS4.1A–1–2,anditsaccountNo./passbookNo./cardNo.isS4.1A–1–2,itsaccountbankisS4.1A–1–2,anditspaymentamountshallbenotmorethan(currency&amount)S4.1A–1–2;(3)ThenameofthetransactionobjectisS4.1A–1–2,anditsaccountNo./passbookNo./cardNo.isS4.1A–1–2,itsaccountbankisS4.1A–1–2,anditspaymentamountshallbenotmorethan(currency&amount)S4.1A–1–2;(4)S4.1A–1–2.Iftheborrowerisnotyetabletodeterminethespecifictransactionsobjectinformationwhensigningthepresentcontract,thentheborrowershallfileanApplicationFormforPaymentbytheLenderuponAuthorization(seetheannexforitsformat)tothelender3workingdayspriortothepaymentdateaftertheconclusionofthepresentcontract,andthelenderwillpaytheloanmoneytotheborrower’stransactionobjectsaccordingtotheamountappliedforpaymentaftertheexaminationandapprovalofthelender.Thepaymentconditionisthattheborrowerofferstransactioncontractsorotherrelatedtransactionmaterialsandcertificatesandthelenderexaminesandapprovesthem.Theactthattheborrowerauthorizesthelendertopaytheloanmoneytotheaccountsofthefollowingtransactionobjectsmeanstheborrower’spaymentauthorization.Theabovesaidactofthelender’spaymenttotheborrower’stransactionobjectsaccordingtotheborrower’sapplicationforpaymentisthemoneywithdrawaloftheborrower.□4.1.2MethodofpaymentbytheborrowerhimselfItmeansthatthelenderdirectlyreleasestheloanmoneytotheborrower'saccountaccordingtotheborrower’sapplicationformoneywithdrawalandthenthemoneywillbepaidbytheborrowerhimselftotheborrower'stransactionobjectswhichmeetthepurposeagreedinthepresentcontract.Thatis,theborrowerauthorizesthelendertotransfertheloanmoneytotheaccountNo./passbookNo./cardNo.S4.1A–2accountopenedbytheborrowerattheplaceofthelenderwhentheconditionsforloanreleasearemet,andthen,themoneywillbepaidbytheborrowerhimselftotheborrower'stransactionobjectswhichmeetthepurposeagreedintheloancontract.Theabovesaidtransferactofthelenderisthemoneywithdrawaloftheborrower.Theborrowerpromisesthat,theborrowerwillregularlyreporttothelenderorinformthelenderoftheinformationonthepaymentoftheborrower’sloanmoney.4.2Ifthelenderstillcannotreleasetheloanunderthepresentcontractuponexpiryof90daysafterthesignatureofthiscontractduetothereasonsoftheborrower,thelenderwillhavetherighttounilaterallyterminatethisloancontract.4.3Anydisputeswithothers,arisingoutoftheborrower’susingtheloanmoneyafterthereleaseoftheloan,willhavenothingtodowiththelender,andthisloancontractshallbenormallyexecuted.Article5Repayment5.1Therepaymentmethodis:S5.1A:Fortheloanperiodislessthanoneyear(inclusiveofoneyear),oneofthefollowingrepaymentmethodscanbeselected(pleaseselectitbytickingtheappropriatebox):□Repaymentoftheprincipalandinterestinalumpsumuponitsexpiry,withtheint