Property buyers who want to apply for a loan need to sign a loan contract. The loan contract will clearly indicate the loan amount, loan term and loan interest of the buyer. In addition, what are the contents of the loan contract?
Loan Type: ContractNo.:
Borrower:
Address: Tel:
Legal representative:
Bank name:
Account number:
Fax: Postal Code:
Entrusted lender:
Address: Tel:
Legal representative:
Fax: Postal Code:
Borrower (hereinafter referred to as Party A): _ _ _ _
Entrusted Lender (hereinafter referred to as Party B): _ _ _ _
According to the agreement between _ _ _ _ _ _ (hereinafter referred to as the client) and Party B, Party B issues _ _ _ _ loan to Party A on behalf of the client, and enters into this contract through consultation with Party A within the scope of entrustment.
Article 1 Loan amount
The loan amount of Party A is RMB (in words) _ _ _ _ _.
Article 2 Purpose of loan
Party A's loan will be used for _ _ _ _ _.
Article 3 Term of loan
The loan term of Party A is from _ _ _ to _ _ _.
Article 4 Loan interest rate and interest
The loan interest rate is calculated at _ _ _ _ _ _.
The loan interest shall be calculated from the date when the loan is transferred to Party A's account. If the principal adjusts the loan interest rate within the validity period of this contract, it shall be implemented according to the adjusted interest rate from the date of interest rate adjustment.
Article 5 Payment Plan Party A's installment plan is as follows:
_ _ _ _ _ _ _ ten thousand yuan; _ _ _ _ _ _ _ ten thousand yuan;
_ _ _ _ _ _ _ ten thousand yuan; _ _ _ _ _ _ _ ten thousand yuan;
_ _ _ _ _ _ _ ten thousand yuan; _ _ _ _ _ _ _ ten thousand yuan;
_ _ _ _ _ _ _ ten thousand yuan; _ _ _ _ _ _ _ ten thousand yuan;
Article 6 Repayment Plan
Party A's installment repayment plan is:
_ _ _ _ _ _ _ ten thousand yuan; _ _ _ _ _ _ _ ten thousand yuan;
_ _ _ _ _ _ _ ten thousand yuan; _ _ _ _ _ _ _ ten thousand yuan;
_ _ _ _ _ _ _ ten thousand yuan; _ _ _ _ _ _ _ ten thousand yuan;
_ _ _ _ _ _ _ ten thousand yuan; _ _ _ _ _ _ _ ten thousand yuan;
Article 7 the method of interest payment
Party A shall remit the funds to the deposit account opened by Party B before the interest settlement date, so that Party B can collect interest on schedule and according to regulations. If Party A fails to pay the interest on time, it shall calculate the compound interest according to the regulations.
Account number of interest-bearing account is:
Article 8 Deduction method
Party A guarantees to repay the loan and loan interest according to the repayment plan specified in Article 6 and Article 7. If the loan cannot be repaid on time without the written consent of the principal, Party A agrees that Party B's principal will directly deduct the loan principal, interest and related expenses from Party A's bank account.
Article 9 Modification and rescission of the contract
1. After this contract comes into effect, neither Party A nor Party B shall change or dissolve this contract without authorization.
2. When the loan expires, if Party A fails to pay off the loan after efforts due to changes in objective circumstances, it may apply to the client for extension _ _ days before the loan expires, and notify Party B ... with the written consent of the client, Party A and Party B shall sign a deferred repayment agreement as an annex to this contract.
3. In case of merger, division, contracting and shareholding system reform, either party shall bear the changed obligations and enjoy the rights after the change.
Article 10 During the validity of this contract, if Party A needs to change its business mode through contracting, leasing, merger, joint venture, division, joint venture, shareholding system reform, etc. It shall report to the client and notify Party B _ _ days in advance. ..
Article 11 Main Rights and Obligations of Party A and Party B
1. Party A has the right to require Party B to issue loans according to the plan and funds provided by the entrusting party;
2. Party A shall open a deposit account with Party B;
3. Party A shall repay all the loan principal and interest within the time limit agreed in this contract;
4. Party A must use the loan according to the agreed purpose, and shall not use the loan for other purposes;
5. Party A shall provide relevant plans, statistics, financial and accounting statements and other materials required by Party B;
6. Party B has the right to check the loan usage;
7. Party B has the right to supervise the capital and operation of Party A;
8. Party B shall timely release the loan according to the plan and funds provided by the entrusting party.
Article 12 Liability for breach of contract
1. If Party A fails to use the loan according to the agreed purpose, Party B will stop issuing the loan, and at the same time report to the client and handle it according to his written opinion.
2. The loan that Party A fails to pay off on schedule or exceeds the installment repayment plan agreed in this contract is overdue, and Party B has the right to charge _ _ _ interest on the overdue loan according to the provisions of the client.
Article 13 Other terms agreed by both parties.
Article 14 This contract shall come into effect from the date when the legal representatives of Party A and Party B or their authorized agents sign and affix the official seal of the unit, and shall be terminated when the principal and interest of the loan under this contract are fully paid off.
Article 15 This contract is made in two originals, one for each party and one for each copy.
Party A: Official Seal Party B: Official Seal
Legal Representative: Signature Legal Representative: Signature
(or its authorized agent) (or its authorized agent)
(The above answers were published on 2015-12-01. Please refer to the actual situation for the current purchase policy. )
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Second, how to write the bank housing loan contract?
Of course, Changshu Rural Commercial Bank should fill in the loan contract when purchasing a house loan.
3. CCB didn't give a mortgage contract?
Ask the bank for one, and each side has one. How to determine your own loan without a loan contract? This is illegal, and the bank should give it directly to the lender. At the same time, the loan contract is directly handed over to the lender by the bank or development company, and the bank can query the loan information through its own account. If you have loan information, go directly to the loan bank, credit department and direct leader. When buying a house with an equal principal and interest loan, the formula for calculating the monthly repayment amount is: [loan principal × monthly interest rate× (1interest rate) repayment months ]⊙[( 1 interest rate) repayment months-1] Calculation principle: from the monthly contribution, the bank collects the interest on the remaining principal first, and then the principal; The proportion of interest in monthly payment decreases with the decrease of residual principal, and the proportion of principal in monthly payment increases with the increase, but the total monthly payment remains unchanged.
4. Do you write the loan interest rate after signing the bank mortgage contract?
The loan interest rate is clear in advance, and it is signed only after it is agreed. The mortgage interest rate will not change with the bank interest rate, and its provision will change with the adjustment of the benchmark interest rate according to the loan type, time and amount. But it has no effect on the interest paid. The benchmark interest rate is adjusted, but the fluctuation range is the quasi-interest rate adjustment during the loan period, and the loan interest rate fluctuates up and down on the basis of the new interest rate.