2025年按揭房屋借款协议书（抵押权登记及解押协议）3篇

20XX专业合同封面COUNTRACTCOVER20XX专业合同封面COUNTRACTCOVER甲方：XXX乙方：XXXPERSONALRESUMERESUME2025年按揭房屋借款协议书（抵押权登记及解押协议）合同编号_________一、合同主体1.甲方（出借人）：名称：（请填写甲方全称）地址：（请填写甲方详细地址）联系人：（请填写甲方联系人姓名）联系电话：（请填写甲方联系电话）2.乙方（借款人）：名称：（请填写乙方全称）地址：（请填写乙方详细地址）联系人：（请填写乙方联系人姓名）联系电话：（请填写乙方联系电话）二、合同前言2.1背景和目的本合同背景系甲方同意向乙方提供按揭房屋借款，乙方为保证甲方借款的安全性，愿意提供抵押权登记及解押协议，双方经友好协商，达成如下协议。2.2合同依据本合同依据《中华人民共和国合同法》、《中华人民共和国担保法》及国家有关法律法规制定。三、定义与解释3.1专业属于本合同中，“按揭房屋”指乙方以购买为目的，向甲方申请借款，并以该房屋作为抵押物的房屋。3.2关键词解释（1）“抵押权登记”：指在相关登记机关办理抵押权登记手续，将抵押权依法设立于抵押物上。（2）“解押”：指在抵押权登记后，经乙方偿还全部借款本息及费用，甲方同意办理抵押权注销手续的行为。四、权利与义务4.1甲方的权利和义务（1）甲方有权在合同履行期间，对乙方的借款用途进行监督。（2）甲方有权在乙方未按时偿还借款本息及费用的情况下，要求乙方提前偿还借款。（3）甲方有权在合同约定的抵押权登记后，在乙方偿还全部借款本息及费用的情况下，要求乙方办理抵押权注销手续。4.2乙方的权利和义务（1）乙方有权在合同履行期间，按照约定用途使用借款。（2）乙方有义务按照合同约定，按时偿还借款本息及费用。（3）乙方有义务在甲方要求办理抵押权注销手续的情况下，积极配合办理。五、履行条款5.1合同履行时间本合同自双方签字（或盖章）之日起生效，合同履行期限为____年。5.2合同履行地点借款履行地点为：____。5.3合同履行方式乙方应当按照合同约定，定期向甲方支付借款本息及费用。六、合同的生效和终止6.1生效条件本合同经双方签字（或盖章）之日起生效。6.2终止条件（1）本合同履行完毕。（2）经双方协商一致，终止合同。6.3终止程序（1）合同终止前，双方应当就终止事项达成书面协议。（2）合同终止后，乙方应立即向甲方支付剩余借款本息及费用。6.4终止后果合同终止后，双方应按照约定，办理抵押权注销手续，并承担各自的法律责任。七、费用与支付7.1费用构成（1）借款利息：按照约定的利率计算，自借款发放之日起至实际还款完毕之日止。（2）抵押权登记费用：指乙方为抵押权登记所支付的相关费用。（3）解押费用：指乙方在解除抵押权时，为办理相关手续所支付的费用。（4）其他费用：包括但不限于合同公证费、律师费等，双方另有约定的，从其约定。7.2支付方式借款利息及各项费用的支付方式如下：（1）借款利息：乙方应按月支付利息，具体支付日期为每月的____日。（2）抵押权登记费用、解押费用：乙方应在办理相关手续前，一次性支付。（3）其他费用：按照双方约定的方式和时间支付。7.3支付时间借款利息及各项费用的支付时间如下：（1）借款利息：乙方应在每月支付日之前，将利息足额支付至甲方指定的账户。（2）抵押权登记费用、解押费用：乙方应在办理相关手续前，将费用支付至甲方指定的账户。（3）其他费用：按照双方约定的支付时间支付。7.4支付章件（1）支付凭证：乙方应保留支付凭证，以证明已履行支付义务。（2）支付通知：乙方应在支付前，向甲方发出支付通知，内容包括支付金额、支付方式、支付时间等。（3）支付确认：甲方收到支付后，应及时向乙方出具支付确认。八、违约责任8.1甲方违约（1）停止发放借款，并要求乙方提前偿还全部借款本息及费用。（2）赔偿乙方因此遭受的损失。8.2乙方违约（1）按照合同约定，支付逾期利息。（2）赔偿甲方因此遭受的损失。（3）若乙方未按期偿还借款本息及费用，甲方有权依法处理抵押物。8.3赔偿金额和方式违约方应按照实际损失赔偿，赔偿金额以双方协商一致为准。赔偿方式可以包括但不限于货币支付、实物补偿等。九、保密条款9.1保密内容（1）借款金额、利率、期限等财务信息。（2）抵押物的详细信息。（3）双方约定的其他保密信息。9.2保密期限本合同的保密期限自合同生效之日起计算，至借款本息及费用全部清偿之日止。9.3保密履行方式双方应采取合理的保密措施，确保保密内容的保密性，未经对方同意，不得向任何第三方泄露。十、不可抗力10.1不可抗力定义不可抗力是指不能预见、不能避免并不能克服的客观情况，如自然灾害、战争、政府行为等。10.2不可抗力事件（1）自然灾害，如地震、洪水、台风等。（2）政府行为，如政策调整、法律变动等。（3）社会异常事件，如罢工、骚乱等。10.3不可抗力发生时的责任和义务（1）发生不可抗力事件时，双方应及时通知对方。（2）不可抗力事件导致合同履行困难的，双方应协商解决。（3）因不可抗力导致合同无法履行的，合同双方互不承担责任。10.4不可抗力实例（1）地震导致抵押物损毁，无法履行合同。（2）政府调整利率政策，导致借款成本上升。（3）战争导致抵押物所在地区不稳定，无法履行合同。十一、争议解决11.1协商解决双方在履行合同过程中发生的争议，应通过友好协商解决。11.2调节、仲裁或诉讼若协商无法解决争议，任何一方均有权向有管辖权的人民法院提起诉讼，或向双方共同认可的仲裁机构申请仲裁。十二、合同的转让12.1转让规定未经对方同意，任何一方不得擅自转让本合同项下的权利和义务。12.2不得转让的情形（1）合同尚未履行完毕。（2）转让方存在违约行为。（3）转让涉及国家利益、社会公共利益或其他重大利益。十三、权利的保留13.1权力保留（1）本合同签订后，除非经双方书面同意，甲方保留对借款用途的监督权。（2）在任何情况下，甲方保留对抵押物的所有权和处置权。13.2特殊权力保留（1）若乙方违反合同约定，甲方保留采取法律手段追究乙方违约责任的权利。（2）在合同履行期间，若发生影响甲方权益的重大事件，甲方有权采取一切必要措施保护自身权益。十四、合同的修改和补充14.1修改和补充程序任何对本合同的修改和补充，必须以书面形式进行，并由双方签字（或盖章）确认。14.2修改和补充效力经双方签字（或盖章）确认的修改和补充，与本合同具有同等法律效力。十五、协助与配合15.1相互协作事项双方应在本合同履行过程中，相互协作，共同完成合同约定的各项事项。15.2协作与配合方式（1）及时沟通，共同解决合同履行过程中出现的问题。（2）提供必要的资料和信息，确保合同顺利履行。十六、其他条款16.1法律适用本合同适用中华人民共和国法律。16.2合同的完整性和独立性本合同构成双方之间关于按揭房屋借款及抵押权登记及解押的全部协议，任何其他口头或书面协议均视为无效。16.3增减条款未经双方书面同意，任何一方不得增减本合同约定的条款。十七、签字、日期、盖章甲方（出借人）：（签字或盖章）乙方（借款人）：（签字或盖章）日期：（填写合同签订日期）附件及其他说明解释一、附件列表：1.乙方提供的房屋所有权证明文件。2.乙方提供的借款人身份证明文件。3.乙方提供的收入证明文件。4.抵押权登记申请表及相关费用收据。5.合同签订时的公证文件（如有）。6.合同履行过程中的相关通讯记录及付款凭证。7.合同终止时的解押手续办理证明。二、违约行为及认定：1.甲方违约：未按合同约定时间发放借款。未对借款用途进行合理监督。未按合同约定解除抵押权。2.乙方违约：未按合同约定时间偿还借款本息及费用。借款用途不符合约定。未按合同约定办理抵押权注销手续。违约行为的认定：违约行为的认定以合同约定为准，双方应按照合同条款进行判断。三、法律名词及解释：1.抵押权：指债务人或第三人为担保债务的履行，将其财产权利转移给债权人，债务履行后，抵押权消灭。2.按揭房屋：指乙方以购买为目的，向甲方申请借款，并以该房屋作为抵押物的房屋。3.不可抗力：指不能预见、不能避免并不能克服的客观情况，如自然灾害、战争、政府行为等。4.违约责任：指合同当事人因违反合同约定而应承担的法律责任。四、执行中遇到的问题及解决办法：1.问题：乙方未按合同约定偿还借款。解决办法：甲方应及时与乙方沟通，了解原因，协商解决还款问题，必要时采取法律手段追究乙方违约责任。2.问题：抵押物价值变动。解决办法：双方应定期评估抵押物价值，若价值下降，乙方应提供新的抵押物或补充担保。3.问题：合同条款理解不一致。解决办法：双方应仔细阅读合同条款，如有疑问，可咨询专业律师，确保双方对合同的理解一致。4.问题：合同履行过程中出现争议。解决办法：双方应通过友好协商解决争议，协商不成时，可申请仲裁或向人民法院提起诉讼。多方为主导的条款说明解释一、增加第三方合同主体的基础上。重新详细规划第三方的责权利等相关条款1.第三方定义：第三方是指在2025年按揭房屋借款协议书（抵押权登记及解押协议）中，作为甲方或乙方之外的参与方，提供担保、评估、监管等服务的机构或个人。2.第三方责任：第三方应按照合同约定，履行其职责，包括但不限于：担保机构：提供担保服务，确保借款的安全。评估机构：对抵押物进行评估，提供真实、准确的评估报告。监管机构：对借款及抵押物的使用进行监管，确保合规。3.第三方权利：收取约定的服务费用。在其职责范围内，对借款及抵押物进行监管。在合同终止或解除时，有权要求乙方支付已发生的费用。4.第三方义务：严格按照合同约定提供服务。对其提供的服务质量负责。保护甲乙双方的商业秘密。二、以乙方的权益为主导，以乙方的责权利为优先，增加乙方的权利条款以及乙方的多种利益条款，同时增加甲方的违约及限制条款1.乙方权利：乙方有权要求甲方按照合同约定提供借款。乙方有权在合同履行期间，对借款用途进行监督。乙方有权在甲方违约时，要求甲方承担违约责任。2.乙方利益条款：乙方有权在合同履行完毕后，要求甲方退还抵押权登记费用。乙方有权在合同终止后，要求甲方办理抵押权注销手续。3.甲方的违约及限制条款：若甲方未按合同约定提供借款，乙方有权要求甲方承担违约责任。若甲方未按合同约定解除抵押权，乙方有权要求甲方承担违约责任。甲方在合同履行期间，不得滥用其权利，损害乙方的合法权益。三、以甲方的权益为主导，以甲方的责权利为优先，增加甲方的权利条款以及甲方的多种利益条款，同时增加乙方的违约及限制条款1.甲方的权利：甲方可对借款用途进行监督，确保借款用于约定的目的。甲方可要求乙方提供抵押物，以保证借款的安全。甲方可要求乙方在合同履行期间，按照约定偿还借款本息及费用。2.甲方的利益条款：甲方可享受借款利息，作为其提供借款的回报。甲方可享受抵押物带来的权益，包括抵押物的处置权。3.乙方的违约及限制条款：若乙方未按合同约定偿还借款，甲方有权要求乙方承担违约责任。若乙方未按合同约定使用抵押物，甲方有权要求乙方承担违约责任。乙方在合同履行期间，不得擅自处置抵押物。全文完。2025年按揭房屋借款协议书（抵押权登记及解押协议）1合同目录第一章合同双方基本信息1.1借款人基本信息1.2借款人代表1.3抵押人基本信息1.4抵押人代表1.5借款银行基本信息1.6借款银行代表第二章借款事项2.1借款金额2.2借款期限2.3借款利率2.4借款用途2.5还款方式2.6还款计划第三章抵押权登记3.1抵押物基本信息3.2抵押物所有权证明3.3抵押权登记申请3.4抵押权登记费用3.5抵押权登记时间3.6抵押权登记证书第四章抵押权解押4.1解押原因4.2解押程序4.3解押时间4.4解押费用4.5解押后的抵押权状态第五章保证金及费用5.1保证金金额5.2保证金支付方式5.3保证金用途5.4保证金退还条件5.5费用承担第六章违约责任6.1借款人违约责任6.2抵押人违约责任6.3借款银行违约责任6.4违约金计算方式6.5违约金支付方式第七章争议解决7.1争议解决方式7.2争议解决机构7.3争议解决程序7.4争议解决费用第八章合同解除8.1合同解除条件8.2合同解除程序8.3合同解除后的处理8.4合同解除后的费用承担第九章合同生效及终止9.1合同生效条件9.2合同生效时间9.3合同终止条件9.4合同终止时间9.5合同终止后的处理第十章合同附件10.1合同附件一：抵押物清单10.2合同附件二：借款人承诺书10.3合同附件三：抵押人承诺书10.4合同附件四：借款合同10.5合同附件五：其他相关文件第十一章法律适用及争议管辖11.1法律适用11.2争议管辖第十二章合同变更及解除12.1合同变更条件12.2合同变更程序12.3合同解除条件12.4合同解除程序第十三章其他约定事项13.1通知送达13.2保密条款13.3不可抗力条款13.4合同附件第十四章合同签署14.1签署日期14.2签署地点14.3签署人姓名14.4签署人职务14.5签署人签字盖章合同编号_________第一章合同双方基本信息1.1借款人基本信息借款人姓名/名称：_________________________身份证号/营业执照号：_________________________联系地址：_________________________联系电话：_________________________1.2借款人代表代表姓名：_________________________职务：_________________________联系电话：_________________________1.3抵押人基本信息抵押人姓名/名称：_________________________身份证号/营业执照号：_________________________联系地址：_________________________联系电话：_________________________1.4抵押人代表代表姓名：_________________________职务：_________________________联系电话：_________________________1.5借款银行基本信息银行名称：_________________________银行地址：_________________________联系电话：_________________________银行代表：_________________________职务：_________________________联系电话：_________________________第二章借款事项2.1借款金额借款金额：_________________________币种：_________________________2.2借款期限借款期限：_________________________（年/月）2.3借款利率借款利率：_________________________2.4借款用途借款用途：_________________________2.5还款方式还款方式：_________________________2.6还款计划还款计划：_________________________第三章抵押权登记3.1抵押物基本信息抵押物名称：_________________________抵押物地址：_________________________抵押物价值：_________________________3.2抵押物所有权证明抵押物所有权证明文件：_________________________3.3抵押权登记申请抵押权登记申请文件：_________________________3.4抵押权登记费用抵押权登记费用：_________________________3.5抵押权登记时间抵押权登记时间：_________________________3.6抵押权登记证书抵押权登记证书：_________________________第四章抵押权解押4.1解押原因解押原因：_________________________4.2解押程序解押程序：_________________________4.3解押时间解押时间：_________________________4.4解押费用解押费用：_________________________4.5解押后的抵押权状态解押后的抵押权状态：_________________________第五章保证金及费用5.1保证金金额保证金金额：_________________________5.2保证金支付方式保证金支付方式：_________________________5.3保证金用途保证金用途：_________________________5.4保证金退还条件保证金退还条件：_________________________5.5费用承担费用承担：_________________________第六章违约责任6.1借款人违约责任借款人违约责任：_________________________6.2抵押人违约责任抵押人违约责任：_________________________6.3借款银行违约责任借款银行违约责任：_________________________6.4违约金计算方式违约金计算方式：_________________________6.5违约金支付方式违约金支付方式：_________________________第七章争议解决7.1争议解决方式争议解决方式：_________________________7.2争议解决机构争议解决机构：_________________________7.3争议解决程序争议解决程序：_________________________7.4争议解决费用争议解决费用：_________________________第八章合同解除8.1合同解除条件合同解除条件：_________________________8.2合同解除程序合同解除程序：_________________________8.3合同解除后的处理合同解除后的处理：_________________________8.4合同解除后的费用承担合同解除后的费用承担：_________________________第九章合同生效及终止9.1合同生效条件合同生效条件：_________________________9.2合同生效时间合同生效时间：_________________________9.3合同终止条件合同终止条件：_________________________9.4合同终止时间合同终止时间：_________________________9.5合同终止后的处理合同终止后的处理：_________________________第十章合同附件10.1合同附件一：抵押物清单抵押物清单：_________________________10.2合同附件二：借款人承诺书借款人承诺书：_________________________10.3合同附件三：抵押人承诺书抵押人承诺书：_________________________10.4合同附件四：借款合同借款合同：_________________________10.5合同附件五：其他相关文件其他相关文件：_________________________第十一章法律适用及争议管辖11.1法律适用法律适用：_________________________11.2争议管辖争议管辖：_________________________第十二章合同变更及解除12.1合同变更条件合同变更条件：_________________________12.2合同变更程序合同变更程序：_________________________12.3合同解除条件合同解除条件：_________________________12.4合同解除程序合同解除程序：_________________________第十三章其他约定事项13.1通知送达通知送达：_________________________13.2保密条款保密条款：_________________________13.3不可抗力条款不可抗力条款：_________________________13.4合同附件合同附件：_________________________第十四章合同签署14.1签署日期签署日期：_________________________14.2签署地点签署地点：_________________________14.3签署人姓名借款人（盖章）：_________________________抵押人（盖章）：_________________________借款银行（盖章）：_________________________14.4签署人职务借款人职务：_________________________抵押人职务：_________________________借款银行职务：_________________________14.5签署人签字盖章借款人签字：_________________________抵押人签字：_________________________借款银行签字：______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________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