车库价值为借款增信

车库价值为借款增信合同编号：__________GarageValueasCollateralforBorrowingEnhancementBETWEEN:[ContractingPartyAName][ContractingPartyAAddress]AND[ContractingPartyBName][ContractingPartyBAddress]EffectiveDate:[DateofEffectiveAgreement]1.RECITALSWHEREAS,[ContractingPartyA],hereinafterreferredtoas"Borrower",possessesagaragelocatedat[GarageAddress],whichisappraisedandvaluedat[GarageAppraisedValue]("Garage");WHEREAS,[ContractingPartyB],hereinafterreferredtoas"Lender",iswillingtoprovidealoantotheBorrowerintheamountof[LoanAmount];WHEREAS,theBorrowerdesirestousetheGarageascollateraltosecuretheLoanfromtheLender,inaccordancewiththetermsandconditionssetforthherein.NOW,THEREFORE,inconsiderationofthemutualcovenantsandagreementscontainedherein,thepartiesheretoagreeasfollows:2.AGREEMENT2.1.LoanTermsTheBorroweragreestoborrowfromtheLenderthesumof[LoanAmount],hereinafterreferredtoasthe"Loan".TheLoanshallbeevidencedapromissorynoteexecutedtheBorrowerinfavoroftheLender("Note").2.2.CollateralAssecurityforthepaymentoftheLoan,theBorrowerheregrantstotheLenderalienandsecurityinterestinandtotheGarage,includingallrights,,andinterestthereinandthereto,subjecttothetermsandconditionsofthisAgreement.TheBorrowerrepresentsandwarrantsthatithasgoodandmarketabletotheGarage,freeandclearofanyliens,claims,orencumbrances.2.3.ValuationofGarageTheBorroweracknowledgesandagreesthattheGaragehasbeenappraisedandvaluedat[GarageAppraisedValue]aqualifiedappraiser.TheBorrowerfurtheragreesthattheGarageshallbeappraisedatleastonceevery[AppraisalFrequency]toensurethatthevalueofthecollateralremainssufficienttosecuretheLoan.2.4.UseofGarageTheBorrowershallcontinuetoown,use,andmaintaintheGarageinaccordancewithallapplicablelaws,regulations,andordinances.TheBorrowershallnotsell,transfer,lease,orencumbertheGaragewithoutthepriorwrittenconsentoftheLender.2.5.InspectionandAccessTheBorrowershallallowtheLenderoritsauthorizedrepresentativestoinspecttheGarageandanyrelateddocumentsatreasonabletimesanduponreasonablenotice.TheLendermayalsorequireaccesstotheGaragetoexerciseitsrightsandremediesunderthisAgreement.3.REPRESENTATIONSANDWARRANTIESTheBorrowerrepresentsandwarrantstotheLenderthat:3.1.IthasthelegalcapacitytoenterintothisAgreementandtoperformitsobligationshereunder;3.2.IthasgoodandmarketabletotheGarage,freeandclearofanyliens,claims,orencumbrances;3.3.TheGarageiscurrentlyingoodconditionandrepair,andissuitableforthepurposescontemplatedhere;3.4.ItwillusetheLoanproceedsforthepurposesmutuallyagreedupontheparties;4.INDEMNIFICATIONTheBorroweragreestoindemnifyandholdtheLenderharmlessfromanyandalllosses,damages,claims,suits,actions,liabilities,costs,andexpenses(includingreasonableattorney'sfees)arisingoutoforinconnectionwiththeGarageorthisAgreement,excepttotheextentcausedtheLender'sgrossnegligenceorwillfulmisconduct.5.TERMINATIONThisAgreementshallterminateupontheearlierof:5.1.ThefullandfinalrepaymentoftheLoan,interest,andallotherobligationsunderthisAgreement;or5.2.Thesale,transfer,orotherdispositionoftheGarageinaccordancewiththetermsandconditionsofthisAgreement.6.MISCELLANEOUS6.1.GoverningLawThisAgreementshallbegovernedandconstruedinaccordancewiththelawsof[GoverningJurisdiction],withoutregardtoitsconflictoflawsprinciples.6一、附件列表：1.借款申请书2.借款合同3.车库所有权证明4.车库评估报告5.借款人财务报表6.贷款用途说明7.借款人信用证明8.抵押物清单9.借款人身份证明10.其他与借款和抵押有关的文件和证明。二、违约行为及认定：1.借款人未能按时还款或未还清贷款本息。2.借款人未能履行合同约定的其他义务。3.借款人未按约定使用贷款用途。4.借款人未能保持车库的价值，导致抵押物价值下降。5.借款人未经许可，出售、转让或抵押车库。6.借款人未配合贷款人行使权利和执行合同。三、法律名词及解释：1.借款人：指与贷款人签订借款合同，并承担还款义务的一方。2.贷款人：指提供贷款，并有权收回贷款本金和利息的一方。3.车库：指借款人拥有的，作为借款抵押的房产。4.贷款：指贷款人向借款人提供的货币资金。5.违约：指借款人未履行合同约定的义务。6.抵押：指借款人将其拥有的财产权利作为借款的担保。四、执行中遇到的问题及解决办法：1.车库价值下降：定期进行车库价值评估，确保其价值足以覆盖贷款金额。如有必要，借款人需补充担保。2.借款人未能按时还款：与借款人协商，制定还款计划。如协商无果，贷款人可依法采取措施，如扣押抵押物等。3.借款人未按约定使用贷款用途：要求借款人立即纠正，并承担违约责任。4.借款人未经许可，出售、转让或抵押车库