中信銀行借款合同

時間：2020-10-15 08:44:18 借款合同

中信銀行借款合同范文

　　篇一：中信實業銀行個人購房借款合同

中信銀行借款合同范文

　　編號：(20 )鄂銀房貸字第號

　　個人購房借款合同

　　(抵押加階段性保證)

　　借款人（即抵押人，以下簡稱甲方）：

　　身份證件名稱及號碼：

　　住所：

　　聯系電話：

　　郵政編碼：

　　共同借款人：

　　身份證件名稱及號碼：

　　住所：

　　聯系電話：

　　郵政編碼：

　　貸款人（即抵押權人，以下簡稱乙方）：中信銀行行

　　住所：

　　聯系電話：

　　郵政編碼：

　　法定代表人/負責人：

　　保證人(以下簡稱丙方)：

　　法定代表人：

　　住所：

　　聯系電話：

　　郵政編碼：

　　甲方、乙方和丙方依據《中華人民共和國合同法》、《中華人民共和國擔保法》、《中華人民共和國物權法》等有關法律、法規，經平等協商一致，訂立本合同。

　　第一條借款金額

　　21.1 本合同貸款金額為人民幣(大寫，(小寫) 。

　　21.2 本合同貸款年利率為 %，月利率(年利率/12)為 %。本合同履行期間，貸款利率的調整采取以下第種方式：

　　(1)浮動利率。

　　本合同利率以合同簽訂日中國人民銀行公布的同期同檔次貸款基準利率 %為基礎，按照人民銀行的利率政策，在基準利率的基礎上，浮%或 BPs，即月利率為 ‰執行。執行浮動利率期間，貸款利率按照以下第種方式進行調整，調整后的貸款利率為利率調整日所適用的中國人民銀行同期同檔次的基準利率按照本合同約定方式進行浮動后所確定的利率，利率調整不再另行書面或口頭通知甲方。

　　A．自借款合同簽訂日起，首次利率調整日確定為年月日，并從首次利率調整日后每 (1個月/3個月/6個月/12個月)調整一次利率,利率調整日為首次利率調整日在調整當月的對應日,調整當月沒有首次利率調整日對應日的,則調整當月最后一日為利率調整日,調整后的貸款利率為利率調整日所適用的中國人民銀行同期同檔次的基準利率按照本合同約定方式進行浮動后所確定的利率。

　　B.自合同簽訂日起，中國人民銀行基準利率調整日為本貸款利率的調整日。

　　(2)階段性固定利率。

　　自年月日至年月日期間，本合同貸款利率以中國人民銀行公布的同期同檔次貸款基準利率為定價依據，即月利率為 ‰執行，期間內利率保持不變。

　　執行固定利率期限屆滿后，如甲方未主動提前提出繼續執行固定利率的申請并獲得乙方同意，乙方將以期限屆滿當日中國人民銀行公布的同期同檔次貸款基準利率為定價依據，并根據屆時人民銀行的利率政策及乙方公布的對應產品利率政策，確定該筆貸款的利率水平。

　　執行浮動利率期間，首次利率調整日確定為年月日，并從首次利率調整日后每 (1個月/3個月/6個月/12個月)調整一次利率,利率調整日為首次利率調整日在調整當月的對應日,調整當月沒有首次利率調整日對應日的,則調整當月最后一日為利率調整日,調整后的貸款利率為利率調整日所適用的中國人民銀行同期同檔次的基準利率按照本合同約定方式進行浮動后所確定的利率。

　　(3)固定利率

　　借款合同履行期間，本合同貸款以中國人民銀行公布的同期同檔次貸款基準利率為定價依據，即月利率為 ‰執行，期間內利率保持不變。

　　第二十一條具體約定前述各款項執行浮動利率期間，如人民銀行將來不再發布貸款的基準利率，本合同相關條款中

　　21.3 本合同貸示期限月，自月日起至年月日止。 21.4 丙方的賬戶名稱和賬號為：

　　賬戶一名稱：；賬號：；開戶行：。

　　賬戶二名稱：；賬號：；開戶行：。

　　21.5 甲方選擇的還款方式為以下第種：

　　(1)到期一次還本付息法。

　　(2)按月等額本息還款法。還款日為每月日，還款總期數為期，每期還款本息為。

　　(3)按月等額本金還款法。還款日為每月日，還款總期數為期，每期還款本金為。

　　(4)按單周或雙周等額本息還款法。還款日為星期，還款周期為日，還款總期數為期，每期還款本息為。

　　(5) 按單周或雙周等額本息還款法。還款日為星期，還款周期為日，還款總期數為期，每期還款本息為。

　　(6)等比遞增還款法，還款日為每月日，還款周期數為期，遞進周期為月，遞增比例為%。如果進行利率調整或部分提前還款后導致遞增比例不滿足計算公式條件要求，還款方式將自動改為按月等額本息還款法。

　　(7)等比遞減還款法，還款日為每月日，還款周期數為期，遞進周期為月，遞減比例為%。如果進行利率調整或部分提前還款后導致遞減比例不滿足計算公式條件要求，還款方式將自動改為按月等額本息還款法。

　　(8)等額遞增還款法，還款日為每月日，還款周期數為期，遞進周期為月，遞增金額為。如果進行利率調整或部分提前還款后導致遞增比例不滿足計算公式條件要求，還款方式將自動改為按月等額本息還款法。

　　(9)等額遞減還款法，還款日為每月日，還款周期數為期，遞進周期為月，遞減金額為。如果進行利率調整或部分提前還款后導致遞增比例不滿足計算公式條件要求，還款方式將自動改為按月等額本息還款法。

　　(10)寬限期等額本息還款法。還款日為每月日，自貸款發放日至年月日前每月支付利息，自該日期起至貸款到期日止按月支付貸款本息元，還款期數為期。

　　(11)寬限期等額本金還款法。還款日為每月日，自貸款發放日至年月日前每月支

　　付利息，自該日期起至貸款到期日止按月支付貸款本金元及當月利息，還款期數為期。

　　無論甲方選擇上述第幾種還款方式，利息均按照本合同約定計算。

　　甲方在乙方開立還款賬戶，賬戶一名稱：，賬號：；賬戶二名稱：，賬號：。

　　逾期貸款罰息利率為合同利率的 %，挪用貸款罰息利率為合同利率的 %。

　　21.6 執行浮動利率提前還款違約金為。

　　執行固定利率期間轉換為浮動利率的違約金為。執行固定利率期間內，如果借示人申請提前還款，須支付違約金。已執行階段性固定利率不滿一年的，違約金比例為提前還款金額的 %;已執行階段性固定利率一年到三年的,違約金比例為提前還款金額的' %；已執行階段性固定利率三年到五年的，違約金比例為提前還款金額的 %。

　　甲方提前還款應提前天向乙方提出申請，每年提前還款不超過次，每次提前還款時歸還本金金額不得小于元，從貸款生效日起月之內不得提前還款。

　　甲方可以選擇以下第種方式自助提前還款，并遵守相關規定：

　　(1)網上銀行

　　(2)電話銀行

　　(3)其他自助渠道：

　　甲方申請自動提前還款并獲乙方同意的，按以下約定執行：

　　自動提前還款扣款賬戶名稱：，賬號：。該賬戶最小保留余額為元，還款頻次為。

　　自動部分提前還款后按種方式重新計算還款計劃：

　　(1)到期日不變

　　(2)每期還款本息或本金不變

　　甲方通過自助設備自助提前還款或約定自動提前還款的，以乙方計算機系統記錄作為雙方認可的還款依據及還款證據。

　　21.7 甲方貸款所購買并作為抵押物的房屋具體內容如下：

　　(1)房地產坐落：

　　(2)房屋類別： (3)建筑面積

　　(4)單價：(5)總價或評估價：

　　(6)購房合同編號： (7)抵押率： 21.8 本人作為前述抵押房產的共有人在此承諾：同意將前述抵押房產用于抵押，并同意接受

　　篇二：中信銀行個人借款合同英文翻譯

　　Code No.: 741

　　China CITIC Bank

　　Personal Loan Contract

　　(Version of 2012)

　　CHINA CITIC BANK CORPORATION

　　CHINA CITIC BANK CHENGDU BRANCH

　　Borrower (hereinafter referred to as “Party A”Address:_________________________________________________________________________

　　Lender (hereinafter referred to as “Party B”

　　MortgagerAddress:_________________________________________________________________________

　　According to the relevant laws and regulations of the,(), and(), Party A, Party B and the relevant guarantor sign this contract upon equal consultation.

　　Article 1 Amount of Loan

　　The amount of loan is referred to Article 15.1 under this contract.

　　Article 2 Purpose of Loan and Payee (scope)

　　2.1 Purpose of loan for this contract is referred to Article 15.2. During the term of loan, Party A promises the loan under this contract shall not flow into stock market, futures market, be spent on equity investment or projects that are forbidden by laws and regulations of other countries to operate, or Party A shall take on any loss brought to Party B.

　　2.2 The payee for this contract (scope) is referred to Article 15.3.

　　Article 3 Interest of Loan

　　3.1 Interest of loan is referred to Article 15.4.

　　3.2 During the term of this loan contract, interest may be changed as prescribed by the People’s Bank of China, the adjust method of loan interest rate is referred to Article 15.4.

　　Article 4 Term of Loan

　　4.1 The term of loan is referred to Article 15.5.

　　Article 5 Release and Payment of the Loan

　　5.1 Except one or more of the following conditions are exempted by Party B, otherwise, the preconditions for Party B to issue the loan is all the following conditions are met:

　　5.1.1 Party A provides the Loan Application and Certificates required by Party B;

　　5.1.2 Party A fulfills the application procedures of loan and guarantee required by Party B;

　　5.1.3 Party A signs required legal documents of loan application, with check and approval of Party B;

　　5.1.4 Party A fulfills and signs the other procedures and relevant documents required by loan releasing of Party B, with check and approval of Party B.

　　5.2 Party B shall release the funds to the account designated by Party A (the account designated by Party A is the payee’s account recorded in Personal Loan Certificate (due bill) under this contract). The releasing of loan from the account of Party B is regarded as the completion of the loan obligation of

　　Party B. The date of loan releasing is the actual loan disbursement date, Party B shall calculate the interest rate from the date.

　　Loan fund should be paid in strict accordance with the appointment stipulated in Article 5.3 under this contract. Party A is not allowed to change the mode and arrangement of payment.

　　5.3 The loan fund should be paid by the method of entrusted payment of Party B. If Party A applies for self-payment in particular cases, it shall need the verification and approval of Party B. The specific appointment of the payment method is as follows:

　　5.3.1 Entrusted Payment of Party B

　　Party A should apply for payment while using the loan, fill the appendix three: Payment Authorization/Application (Suitable for the condition of bank entrusted payment).

　　Party B verifies whether the relevant transaction documents and certificates provided by Party A are in conformity with the contract before the payment of loan fund. With the verification and approval of Party B, according to the payment entrustment of Party A, Party B shall deliver the loan fund that Party

　　A applies to pay to the account of Party A’s trading object listed by Party A in Payment authorization/application(Suitable for the condition of bank entrusted payment).

　　5.3.2 Self-Payment Method by Party A

　　Upon application by Party A, Party B shall agree to adopt self-payment method is involved in one of the following situations:

　　(1) Party A cannot confirm detailed transaction object in advance and the amount is less than RMB

　　three hundred thousand yuan;

　　(2) The transaction object of Party B cannot valid use non-cash method for settlement;

　　(3) Loan fund used for production and operation and amount is less than RMB five hundred thousand

　　yuan;

　　(4) Other situation regulated by law and regulation.

　　If self-payment method is adopted, Party A shall fill appendix four:with detailed application reason. Upon checked and approved by Party B, Party A can use self-payment method to pay for loan fund.

　　Article 6 Repayment of the Loan

　　6.1 Party A, based on relevant regulations of Party B, shall select ways of loan repayment under Article 15.6.

　　6.2 The Party A shall pay off the principal, interest and other items in full prior to the stipulated due repayment day under this contract (details under Article 15.6), by depositing one of any repayment account opened by Party B (account name and account No. are given in Article 15.7), and irrevocably authorizes Party B to draw the funds receivable directly from the account above on the due repayment day.

　　6.3 In case Party A breaches the contract, failing to repay the funds on due date or failing to pay funds in full, Party B has the right to charge higher interest rate on overdue loans as prescribed by the People’s Bank of China(penalty interest rate on overdue loan is stipulated under Article 15.8). In case that Party A fails to use the funds for the agreed purposed under this contract, Party B has the right to charge penalty interest rate on overdue loans as prescribed by the People’s Bank of China (penalty interest rate on misappropriation of loan is stipulated under Article 15.8). For overdue loan or loan of misappropriate use, Party B shall calculate the interest rate based on penalty interest rate from the day of overdue loan or misappropriate use of loan till t

　　he principal and interest are paid off. If Party A fails to pay off the interest on due date, Party B shall calculate compound interest based on penalty interest rate.

　　6.4 Party A and Party B agree to follow the principle of “repaying interest before the principal”, and Party B shall deduct the funds repaid by Party A in a sequence of “overdue interest(including penalty interest and compound interest)-overdue principal–current interest - current principal”. If the fund in the repayment account of Party A is not enough to pay due funds payable under this contract, party B shall have the right to decide the repayment order of expense, interest (including penalty interest and compound interest) and principle, party B shall also have the right to draw the due funds payable from the repayment account above at any time.

　　Article 7 Repayment in Advance

　　7.1 If Party A is able to pay off the loan ahead of time, it shall submit to Party B the irrevocable loan repayment application and repayment plan. After checking and confirming that Party A has no delay of loan principal and interest and has paid off the current interest, Party B will approve the repayment ahead application, then Party A can repay the loan in advance. The interest repayable before repayment-in-advance day shall not be adjusted.

　　7.2 For repayment in advance, Party B can charge penalty to Party A under Refer to Term 15.9 of this contract for details.

　　7.3 With Party B’s agreement, Party A executes according to the convention of repayment in advance if Party A automatically repay in advance. Refer to Term 15.9 of this contract for details.

　　Article 8 Guarantee of Loan

　　8.1 The guarantee type for the loan is specified in Article 15.10.

　　8.2 Scope of Guarantee

　　8.2.1 The principal of loan, interest (including compound interest), penalty interest under this contract;

　　8.2.2 Penalty, compensation, reimbursement;

　　8.2.3 Expenses arising from realization of liability and guarantee right(including, but not limited to attorneys' fees, assessment fee, auction fee, law suit fee, all-risk fee, travel expense etc.).

　　8.3 Mortgage Guarantee

　　8.3.1 The mortgager voluntarily mortgages the property (Guaranty for short in the afterward contents) in Guaranty List- the Attachment A of this contract, and agrees to be restricted by this contract.

　　8.3.2 The co-owner of the mortgaged property under this contract agrees to mortgage the property and be restricted by this contract.

　　8.3.3 The mortgager shall complete the registration of mortgaged property based on laws and regulations. The mortgager shall take on the fees for the mortgaged property. The mortgager shall provide to the Party B the evidence documents and relevant materials of ownership of the guaranty, and the original of Mortgage Registration Certificate shall be kept by Party B.

　　8.3.4 Party B can exercise the mortgage right in case one of following situations happens:

　　(1) Party A fails to repay the due loan payable and/or other items payable based on this contract;

　　(2) Party breaches the contract, party B claims to take back the loan in advance, and Party B fails to be paid off or not fully paid off;

　　(3) The mortgager breaches the contract by disposing the guaranty, or implements action enough to decrease the value of guaranty, and Party B is refused of restoring the guaranty to original value or providing guarantee, Party B can exercise the mortgage right in advance.

　　8.3.5 Party B can select any one of the following ways to realize the mortgage right:

　　(1) Discount of mortgage in agreement with mortgager;

　　(2) Auction of guaranty;

　　(3) Sale of mortgage;

　　(4) Other ways allowed by law.

　　8.3.6 The mortgager shall provide to Party B the Ownership certificate and other valid certification documents and relevant materials, after confirmation of Party B, all documentation aforementioned shall be kept by Party B.

　　8.3.7 Under condition that Party A pays off the total loan principal and interest, and in fulfillment of all items under this contract, the mortgage relationship shall terminate.

　　8.3.8 Within the period of mortgage, the mortgager shall inform the Party B in a written way all situations he knows or should know that have produced or may produce adverse impact on the guaranty

　　8.3.9 Within the period of mortgage, the entire guaranty shall be taken good care of by the mortgager, who as well responsible for repair and maintenance to make sure that the guaranty is all preserved well, and subject himself to the supervision and inspection from Party B at any time.

　　8.3.10 Within the period of mortgage, should any decreases happen owing to the action of mortgager, Party B has the right to request the mortgager to stop the action and restore the value or provide guaranty worth the equal value of the decreases within ten(10) days.

　　8.3.11 Within the period of mortgage, without any written approval from Party B, the mortgager shall have no right to dispose the guaranty (disposing way includes, but not limited to, transferring, renting, selling, donating the guaranty).

　　8.3.12 Within the period of mortgage, any money got by transferring the guaranty based on the approval of Party B shall be used for paying off the loan ahead of schedule or changed to fixed deposit for guarantee.

　　8.3.13 When Party B and Party A change the contract (including, but not limited to, amount of loan, term of loan, interest rate, type of interest settlement, type of repayment, period of repayment, repayment amount for each period), the mortgager is no need to be notified if responsibility of mortgager is not increased accordingly, and the mortgager is still bear the responsibility of guarantee.

　　8.3.14 Within the period of mortgage, if Party A and Mortgager learn that the mortgaged house is to be displaced, they should inform Party B in written form on time. If they fail to do so, they should take the liability for breach of contract; if both parties and Mortgager reach the agreement, Party B has the right to choose one way of the followings to deal with the displaced house:

　　(1) If the mortgaged house is compensated by way of exchange of house property right, Party B has the right to demand:

　　(i) Party A pays off the debts in advance; or

　　(ii) Mortgager should make new mortgage guarantee by the newly possessed house with Party B as the mortgagee and sign a new mortgage agreement. Before the previous mortgaged house is displaced and the newly set house is mortgage registered, Party A should provide a new guaranty acknowledged by Party B.

　　(2) If the mortgaged house is compensated by money, Party B has the right to demand:

　　(i) Party A pays off debts ahead of schedule; or

　　(ii) Mortgager deposits the compensation money into Party B’s appointed account for special fund of caution money as the guaranty of pledge; or

　　(iii) Mortgager uses the time deposit certificate by the compensation money for the guaranty of pledge to Party B.

　　(3) If the mortgaged house displacement isn’t compensated by Way (1) (2) listed above or besides above two ways, both parties have unmentioned matter, both parties should negotiate to determine the

　　篇三：中信實業銀行個人購房借款合同

　　編號：( )信銀房貸字第號

　　中信銀行個人購房借款合同

　　(抵押加階段性保證)

　　（2012版）

　　中信銀行股份有限公司

　　借款人（即抵押人，以下簡稱甲方）：

　　身份證件名稱及號碼：居民身份證：

　　住所：

　　聯系電話：

　　郵政編碼：

　　共同借款人：

　　身份證件名稱及號碼：居民身份證：

　　住所：

　　聯系電話：

　　郵政編碼：

　　貸款人（即抵押權人，以下簡稱乙方）：

　　住所：

　　聯系電話：

　　郵政編碼710061：

　　法定代表人/負責人：

　　保證人(以下簡稱丙方)：

　　法定代表人：

　　住所：

　　聯系電話：

　　郵政編碼：

　　第一條借款金額

　　1.1貸款金額詳見本合同第20.1條

　　第二條貸款用途及支付對象

　　2.1本合同項下貸款用于購買本合同第20.9條約定的房屋。在貸款期間，甲方承諾本合

　　同項下貸款不以任何形式流入證券市場、期貨市場和用于股本權益性投資，不用于借貸牟取非法收入，不用于其它國家法律法規規定不得經營的項目，否則，甲方應承擔由此給乙方造成的任何損失。

　　2.2本合同項下支付對象為本合同丙方。

　　第三條貸款利率

　　3.1甲方可在浮動利率或階段性固定利率方式中選擇一種，詳見本合同第20.2條。

　　3.2在貸款期限內，甲方如欲將浮動利率變更不階段性固定利率，或將階段性固定利率變更為階段性固定利率，或將階段性固定利率變更為浮動利率，需提前向乙方提出書面申請，經乙方同意后執行。

　　3.3執行階段性固定利率未滿一年的，不得將固定利率變更為浮動利率，執行固定利率滿一年后，甲方申請將階段性固定利率變更為援利率的，應按本合同第208條的約定向乙方支付違約金。

　　第四條貸款期限

　　4.1 貸款期限詳見本合同第20.3條

　　第五條貸款的發放和支付

　　5.1除非乙方豁免如下一項或幾項條件，乙方發放本合同項下貸款的前提是以下條件得到全部滿足。

　　5.1.1甲方已向乙方提供購房合同正本及有關資料和文件，并已足額支付首款；

　　5.1.2甲方沒有發生本合同所約定的任一違約事項；

　　5.1.3甲方履行了乙方要求的申請貸款和擔保手續；

　　5.1.4乙方認為必要的其他條件。

　　5.2本合同項下貸款采用受托支付方式，乙方在經審查同意發放貸款后，甲方委托和授權乙方將貸款劃入丙方賬戶（賬戶名稱、賬號見第20.4條）。貸款從乙方賬戶劃出即視為乙方的貸款義務履行完畢，貸款劃出日即為實際貸款發放日，乙方自此日起開始計收利息。

　　第六條貸款償還

　　6.1甲方慶根據乙方有關貸款規定，在下述還款方式中選擇一種方式償還貸款本息，甲方選擇的還款方式詳見本合同第20.5條。

　　6.1.1到期一次性還本付息法，即貸款到期日一次性償還貸款本金并支付所有利息。

　　6.1.2按月等額本息還款法，即貸款期限內每月以相等的額度還貸款本息，計算公式為：貸款本金×月利率×（1+月利率）

　　還款月數還款月數每月還款額=———————————————————— （1+月利率） -1

　　6.1.3按月等額本金還款法，即貸款期限內每月以相等的額度償還貸款本金，貸款利息隨本金逐月結清，計算公式為：

　　貸款本金

　　每月還款額=——————+（本金-累計已還本金額）×月利率

　　還款月數

　　6.1.4按單周或雙周等額本息還款法

　　6.1.5按單周或雙周等額本金還款法

　　6.1.6等比遞增還款法

　　6.1.7等比遞減還款法

　　6.1.8等額比遞增還款法

　　6.1.9等額遞減還款法

　　6.1.10寬限期等額本息還款法

　　6.1.11寬限期等額本金還款法

　　6.2甲方應當于本合同規定的每期還款日（詳見20.5條）前，將當期應償還的貸款本息及其他款項足額存入在乙方開立的還款賬戶（賬戶名稱及賬號詳見第20.6條），并不可撤銷地授權乙方于當期還數日直接從該賬戶劃收應收款項。還款賬戶被有權機關凍結時，甲方應及時提供其他賬戶作為新的還款賬戶或到乙方規定的營業柜臺辦理還款手續。

　　6.3甲方違反本合同約定，逾期或未按約定的金額足額歸還貸款，乙方有權按照中國人民銀行的規定對逾期貸款加收罰息（逾期貸款罰息利率詳見第20.7條）。甲方未按合同約定用途使用貸款，乙方有權按中國人民銀行的規定對甲方加收罰息（挪用貸款罰息利率見第20.7條）。對逾期或未按合同約定用途使用貸款的貸款，從逾期或未按合同約定用途使用貸款之日起，按罰息利率計收利息，直至清償本息為止。對不能按時支付的利息（包括罰息），按罰息利率計收復利。

　　6.4甲、乙雙方同意遵循先還息后還本的原則，乙方按照“逾期利息（含罰息、復利）—逾期本金—當期利息—當期本金”的的順序扣劃甲方還入款項。如果甲方還款賬戶中的款項不足以支付本合同項下的到期應付款項，乙方有權決定費用、利息（包括罰息、復利）、本金的清償順序，同時乙方有權承時從還賬戶中劃收到期應付款項。

　　第七條提前還款

　　7.1甲方如欲提前還款，應按乙方要求提前將不可撤銷的還款申請書及還款計劃提交乙方。乙方經審核確認甲方未有拖欠貸款率息及已還清當期本息后，同意甲方申請的，甲方方可提前還款。提前還款日前已計收的利息不作調整。

　　7.2甲方提前還款，乙方有權向甲方收取違約金，具體約定利率合同第20.8條。

　　7.3經乙方同意，甲方設定自動提前還款的（階段性固定利率房屋貸款以及約定收取提前還款違約金的除外），按自動提前還款約定執行，其體約定見本合同第20.8條。

　　第八條貸款擔保

　　8.1本合同項下的貸款提保為抵押加階段性保證。

　　抵押加階段性保證指甲方同意將以本合同項下貸款資金所購房屋抵押給乙方，以作為甲方償還本合同項下貸款的擔保。對甲方取得該房屋的所有權并辦妥乙方為抵押權入的抵押登記之前所產生的所有甲方應付款項，丙方提供階段性連帶責任保證。

　　8.2擔保范圍

　　8.2.1本合同項下的貸款本金、利息（含復利）、罰息；

　　8.2.2違約金、賠償金、補償金。

　　8.2.3為實現債權和擔保權而發生的費用（包括但不限于律師費、評估費、拍賣費、訴訟費、保全費、差旅費等）。

　　第九條抵押

　　9.1抵押特

　　本合同中的抵押特是指甲方向乙方貸款所購買的房屋，具體內容見本合同第20.9條。

　　9.2抵押物共有人

　　本合同特的共有人同意將本合同項下的抵押物作抵押，并同意受本合同約束。

　　9.3甲方取得所有購房屋的所有權證之日起，甲乙雙方必須在本合同第20.11條約定的時限內依照法律規定辦理抵押物的登記手續。

　　9.4抵押權的行使

　　出現下列情形之一，乙方可以行使抵押權，并有權以處分抵押物所得價款清償或提前清償本合同項下的債務；

　　9.4.1甲方不按照本合同規定償還到期應付貸款和/或其他應付款項；

　　9.4.2甲方違反本合同的約定同，乙方宣布提前收回貸款，乙方未受清償或未受完全清償的。

　　9.5乙方可選擇下列方式之一實現抵押權

　　9.5.1與甲方協議以抵押物折價受償；

　　9.5.2拍賣受償；

　　9.5.3變賣受償；

　　9.5.4法律允許的其他方式

　　9.6甲方應向乙方提供抵押物的權利證書及其他有效證明文件和相應資料，經甲方和乙方確認后，由乙方保管。

　　9.7、抵押關系終止

　　甲方還清全部貸款本息及其它應付款項，并履行了本合同的全部義務，則抵押關系終止。

　　第十條保證

　　10.1保證方式

　　兩方對息本合同生效之日起至甲方就本合同項下所購房屋取得房屋所有權證，辦妥抵押登記和其他相關手續，并將《房屋他項權證》及其他有關資料交乙方持有之日止（“擔保階段”）甲方的所有應付款項承擔連帶保證責任，如甲方在擔保階段內未能依照本合同的約定按時償還貸款本息和/或相關費用的，在保證期間內，乙方有權直接要求兩方承擔保證責任，并有權從丙方在中信銀行任何營業機構開立的賬戶中直接扣劃。

　　10.2保證期間

　　保證期間為擔保階段內甲方每期應付款項逾期之日起至擔保階段屆滿后兩年。

　　第十一條甲方的權利和義務

　　11.1甲方保證提供的申請貸款文件是完整、真實、有效、合法的，并承諾將以最大誠實信用原則履行本合同，接受乙方的監督和檢查，全面配合乙方的貸后管理工作。

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