Individual Mortgage Loan Contract for Purchasing Commercial Housing
Agricultural Bank of China
GF Zi No.12105200500001133
Creditor (Mortgagee): Tianjin Jinbin Branch of Agricultural Bank of China,
Debtor (Purchaser): HUANG Wenya
Mortgager: HUANG Wenya
Guarantor: HUANG Wenya (sealed)
In accordance with relevant state laws and rules, the contract is made after negotiations between the both parties.
Loan items
Article 1. Loan money:
The debitor provides loan to the creditor to purchase the residential house. The contracted loaning amount: RMB One Hundred Eighty Thousand (￥180,000).
Article 2. Loan purpose:
To purchase the housing locate in Room 402, Gate 2, Building 6, No.3, Guangda Street, High-tech Zone with an construction area of 121.3 square meters.
The contract number of the debtor:
The property certificate number: KF Zi No.140014608
Article 3. Loan period
The loan term is 180 months, from Jan. 25, 2005, to Jan. 24,2020
Article 4. Loan interests
1. Loan interests: (annual) interest 6.12‰ at the standard interest rate issued by the Bank of China. In the event that the Bank of China adjusts the interest rate of the loan, from Jan.1 the next year, the debtor performs the interest payment according to the new loans confirmed by the floating scope between the adjusted standard interest and the lending rate agreed in the contract. It will not notify the debtor, the guarantor and the mortgager again.
2. If the borrower doesn’t refund the loan in accordance with the contract, from the overdue time, the lender has the right to call for additional money as penalty until the corpus and interests are paid off. Following the 1st measure will be complied with.
(1) Take Two point One ten-thousandths interests of money as penalty per day
3. The creditor has the right to call for percent raising money as penalty at the basis of the annual interest rate stipulated in the contract. In the event that the Bank of China adjusts the interest rate of the loan, the loan rate under the contract shall comply with the relevant regulation from the day of adjusting rate.
4. If the borrower does not use the money according to the purpose stipulated in the contract, the lender has the right to call for One Hundred percent raising money as penalty at the basis of the annual interest rate stipulated in the contract. In the event that the Bank of China adjusts the interest rate of the loan, the loan rate under the contract shall comply with the relevant regulation from the day of adjusting rate.
Article 5.
Under the circumstances that the following conditions are not achieved, the lender has the right not to provide the loan stipulated in the contract.
1. The borrower shall offer relevant documents, materials and credence in accordance with the requirements of the lender. And the borrower shall handle the relevant procedures.
2. The purchasing money of the first period and the money related to the contract have been paid off.
3. If the contract has a guarantor and the procedures of relevant registration and/or insurance have been settled in accordance with the requirements of the borrower, this guarantee keeps effective.
4. The borrower, the guarantor and the mortgager don't make any disadvantageous matters which will affect the safety of loan.
Article 6. Transferring methods:
The borrower opens an account in the lender’s bank. The account name is HUANG Wenya, The account number is The opening bank is Tianjin Jinbin Branch of Agriculture Bank of China. The card number is 9559980020264672419.The contract agrees to give the loan following the 2nd measure.
1. The debtor irrevocably accredits the lender to transfer the money to the above settle account, then transfer to the house seller .(Opening Bank ),(Account number ), to pay the money agreed in the contract of purchasing house.
2. The borrower irrevocably accredits the lender to transfer the money to the account of the house seller Li Yue (Opening Bank Tianjin Jinbin Branch of Agriculture Bank of China. ) (Account number 02-120201101508587 ),
Article 7 Loan payment
1. The borrower pays the principal and interest of the load under this contract in 180 stallments, every one month being one installment at the day of borrowing (20days/day of borrowing). If there is not the day of borrowing, the payment day is the last day of every month. The borrower and the lender agree to return the load according to the method of equal capital and interest payment.
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