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The borrowershould readthe contractespecially Articlesof***carefully andsigned thecontractafter beingconfirmed ofno objections.Bank ofCommunicationsPersonal HouseLoan ContractBorrower:xxxxPlace ofdomicile:xxxxContact address:ditto TeL:xxxx Zipcode:Lender:Jiulongpo Sub-branch,Chongqing Branch,Bank ofCommunicationsAddress:Xiejiawan MainStreet,Jiulongpo DistrictRealestate agency:xxxxxxLegal address:xxxxxxLegal representative:xxxxDeposit bankand account:Ganghua RoadLocal Branch,Jiuloagpo Sub-branch,Bank ofCommunicationsxxxxWherea.th.borrowe.applie.fo.persona.hous.loa.t.bu..hous.fo.sel.residenc.fro.th.rea.estat.agenc.an.th.lende.agree.t.loa.t.th.borrowe.afte.investigation.th.borrower.th.lende.an.th.rea.estat.agency.i.accordanc.wit.law.an.regulation.a.wel.a.provision.relevan.t.th.persona.hous.loan.sig.an.conclud.th.contrac.b.consensus.Article1Loan
1.1The loanamount isRMB inwords:xxx.
1.2The loan term is20years,from April9,2004to April9,
2024.
1.3The loanwill beused tobuy:The houselocated atxxxxTotal priceof thehouse:xxxxArticle2Interest andrate of loan
2.1Interest rateof loan:xxx%o.If theloantermis morethan oneyear,in caseof adjustmentof theprescribed interestrate,it shouldbeexecuted according to provisionsof thePeoples Bank of Chinawithout gainingagreement of theborrower.
2..Th.loa.interes.unde.th.contrac.shouLb.charge.accordin.t.th.actua.loa.amoun.an.occupatio.day.fro.th.actua.issuin.da.o.th.loan.Article3Loan issuing
1.1Preconditions ofissuing loanl.Th.borrowe.ha.deposite.a.leas.xx.o.dow.paymen.o.th.tota.hous.purchas.pric.int.th.accoun.specifie.i.Articl.
4..o.th.contrac.an.ha.entruste.th.lende.t.pa.th.rea.estat.agency.
2.Relevan.guarante.contrac.prescribe.i.ArticL.o.th.contrac.ha.bee.signed.33The lenderand hishnr familymeet conditionsof loanissuing.
3..Th.lende.shoul.issu.th.loa.withi.x.day.afte.th.borrowe.goe.throug.al.procedure.o.loan.
3..Th.loa.shoul.b.issue.b.th.metho.that.th.lende.transfer.th.Ioa.an.th.dow.paymen.deposite.b.th.borrowe.int.th.accoun.xx.opene.b.th.rea.estat.agenc.i.th.lender.ban.unde.th.nam.o.th.borrower’.hous.purchas.payment.Article4Loan repayment
4..Th.loa.shoul.b.repai.b.th.equa.monthl.payment.I.th.loa.ter.i.les.tha..year.bot.partie.concerne.ma.adop.th.metho.o.repayin.capita.wit.interes.b.negotiation.The methodofloanrepayment shouldbe determinedaccording tothe annualplan ofloanrepayment providedby the lender.I.th.loa.wil.b.repai.b.th.metho.o.equa.monthl.payment.i.i.applicabLt.Articl.
4..t.Articl.
4.
4.
4.
1.h.borrowe.shoul.repa.th.capita.an.interes.unde.th.contrac.b.mont.fro.th.firs.repaymen.dat.afte.th.loa.i.issued.Th.amoun.o.capita.an.interes.t.b.pai.b.th.borrowe.shoul.b.determine.b.th.metho.o.equa.payment.Th.calculatio.metho.fo.th.amoun.o.capita.an.interes.o.persona.hous.loa.o.Ban.o.Communication.i.show.i.th.attachmen.o.th.contract.
4.
2.h.capita.an.interes.amoun.t.b.pai.i.eac.mont.an.firstl.determine.afte.th.loa.i.issue.i.RM.i.words.xxx.yuan.thereafter.i.th.interes.rat.i.adjuste.accordin.t.ArticL
2..o.th.contract.th.capita.an.interes.amoun.o.eac.mont.shal.b.calculate.an.determine.accordin.t.Articl.
2..an.Articl.
4..o.th.contract.Th.lende.shal.mai.th.annua.pla.o.loa.repaymen.o.Ban.o.Communication.t.th.borrowe.accordin.t.th.contac.addres.supplie.b.th.borrowe.withi..day.afte.th.dar.o.loa.issuin.an.interes.adjustment.
4..Th.repaymen.dat.i.th.9t.da.o.eac.month.Th.firs.repaymen.dat.i.xx.an.th.las.repaymen.dat.i.xxx.**.
4..Th.borrowe.shal.ope.a.accoun.fo.loa.issuin.a.wel.a.capita.an.interes.a.require.b.th.lender.Th.borrowe.shoul.deposi.enoug.mone.i.th.accoun.specifie.b.th.lende.t.repa.th.du.capita.an.interest•,.othe.accoun.opene.i.th.Ban.o.Communications.**.
4..Th.borrowe.migh.repa.th.loa.i.advanc.accordin.t.th.foliowin.provision.afte.bein.agree.b.th.lender.l.Li.i.decide.t.repa.th.tota.loa.i.advance.i.migh.b.transacte.o.an.workin.da.o.th.bank.i.i.i.decide.t.repa.par.o.th.loan.i.shal.b.transacte.o.th.repaymen.dat.specifie.i.th.contract.Th.interes.o.th.paid-of.capita.shoul.b.settle.a.repayment.
2.A.fo.th.loa.repai.i.advance.th.lende.wil.no.retur.th.interes.whic.ha.bee.charge.an.wil.no.charg.th.interes.fro.th.dat.o.advanc.paymen.t.th.agree.loa.repaymen.date.
3.
1.th.loa.i.parti.repai.i.advance.th.lende.shoul.mak..ne.annua.pla.fo.loa.repaymen.according.th.agree.rat.an.remainin.repaymen.period.t.determin.th.amoun.o.capita.an.interes.o.eac.month.Lth.borrowe.require.shortenin.th.period.o.repayment.
1.shoul.b.agree.b.th.lender.Article5Security fordebt
5..Th.borrowe.an.lende.sign.th.Loa.Mortgag.Contrac.wit.th.purchase.hous.a.guarantee..righ.o.th.lender.
5..Th.rea.estat.agenc.promises.whe.th.lende.need.t.exercis.th.mortgag.righ.unde.th.Loa.Mortgag.Contract.th.rea.estat.agency.a.require.b.th.lender.shal.repurchas.th.hous.wit.a.amoun.n.les.tha.th.capita.an.interes.includin.overdu.defauLinterest.subjec.t.th.accoun.documen.provide.b.th.lender.Th.mone.shal.b.use.t.pa.of.th.du.capita.an.interes.unde.th.contrac.o..priorit.basis.***Article6Statement andguarantee of the borrower
6..Th.borrowe.accept.an.abide.b.th.busines.syste.an.workin.rule.o.th.lende.a.wel.a.operationa.procedure.unde.th.contract.
6..Th.borrowe.promise.t.coordinat.wit.th.lende.i.investigatio.an.examinatio.o.situation.o.persona.income.expense.liabilit.etc.an.provid.situation.an.relevan.materia.require.b.th.lende.timely.integrall.an.accurately.
6.3The borrowermust notifythe lenderwithin7days afterthe possibleoccurrence of thefollowing events:1The workingcondition andhousehold incomeof the borrower and the borrowersfamilymembers changegreatly.
2.Significan.misfortun.occur.t.th.famil.o.th.borrower.3The financialcondition of the guarantorchanges greatlyor thevalue ofthe guarantydecreasesapparently.4Other eventsaffecting therepayment capability ofthe borrower occur.5The contactaddress andtelephone numberoftheborrower arechanged.Article7Other mattersagreedTh.dat.o.borrowin.i.th.dat.o.repayment.I.cas.o.dispute.betwee.th.actua.loa.issuin.dat.an.th.dat.agree.i.th.loa.contract.i.shoul.b.subjec.t.th.dat.o.th.loa.note.***Article8Responsibility ofdefault
8.
1.An.o.th.followin.event.ca.constitut.th.even.o.defaul.state.i.th.Article.1The borrowerdefaults thecapital orinterest;2The borrowerand theguarantor refusenormal investigationand supervisionofthelender;3The borroweror theguarantor isengaged inillegal criminalactivities;4One ofthe eventswhich shallbe notifiedaccordingtoArticle
6.3occurs andaffects therepaymentcapabilityoftheborrower.5After anevent ofdefault occurs,thelenderis entitledto takethe followingmeasures:1Declare loancapital issuedunder thecontract duein advanceand requiretheborrowerpay allcapitaland interestimmediately..Ban.o.China.
3.Deduc.th.capital.interes.an.othe.charge.fro.an.othe.accoun.o.th.borrowe.i.th.Ban.o.Communications.
4.Tak.othe.measure.specifie.b.law.an.regulations.Article9Others
9.1The borrower,the realestate agencyandthelender shouldgo throughprocedures onmortgageregistration,estate insurance,and contractnotarization withthe costoftheborrower withinxx daysafterthe contractis signed.cour.i.th.locatio.o.th.lender..
9..Th.loa.application.Loa.Not.an.contrac.attachmen.supplie.b.th.borrowe.ar.inalienabl.constituen.par.o.th.contract.
9..Th.contrac.wil.tak.effec.afte.bein.signe.o.stampe.an.affixe.wit.th.officia.sea.b.th.thre.concerne.partie.o.th.contract.
9..Th.origina.contrac.i.i.quintuplicate.eac.part.hold.on.copy.Severa.copie.wil.b.kep.fo.futur.reference.Borrower:xxxxsignatureSigned on:xxxReal estateagency:xxxxsealLegal representativesignature orseal:xxxSigned on:xxLender officialseal:Jiulongpo Sub-branch,Chongqing Branch,BankofCommunications Authorizedrepresentativesignature orseal:xxxxsealSigned on:xxx。