1、Individual Housing Loan Contract(Mortgage plus periodically promising loan)Serial no. (2005) year ( J) ZI No. (5099)Beijing Rural Credit Cooperatives Party A( borrower, mortgager): SUN QianID No. 440301650427416Address: Room 501, Unit 4, Building 65, Art Gallery Houjie, Dongcheng District, BeijingTe
2、l: 13901082628Postcode:100010Account opening credit cooperative: Beijing Haidian District Dongsheng Rural Credit CooperativesAccount No. 040600000127093Party B (lender, mortgagee): Beijing Haidian District Dongsheng Rural Credit CooperativesAddress: No. 1 Jia, Qinghua Donglu, Haidian District, Beiji
3、ngTel: 62312092Postcode: 100083Legal representative: WANG YongcaiParty C (guarantor, namely developers and house-sale units): Derun Real Estate Development Group Co., Ltd.Address: Industrial Development Zone, Miyun County, BeijingAccount opening credit cooperative: Beijing Haidian District Dongsheng
4、 Rural Credit CooperativesAccount No. 0100000103000000404Tel: 65995332Postcode: 101500Legal representative: ZHUANG YihongNoticeIn order to protect your interest, please read the following items carefully before signing the contract:1. You have had the law common sense of housing purchase loan and gu
5、arantee for Beijing Rural Credit Cooperatives;2. You have had red all the items in this contract, and learn their meaning;3. You have made sure that the hand-in materials are authenticable, legal and effective;4. You have make sure that you have the authority to sign the contract;5. You have known t
6、hat you have to be responsible for all the cheating, breaching behaviors.6. You sign the contract in the principle of honest and credit.7. Please use pen, brush pen or signature pen to fill the blanks tidily.If you have problems on this contract, please consult to Beijing Rural Credit Cooperatives o
7、r the districts and towns associations.ContentsChapter one General principleChapter two LoanChapter three Repayment of loan Chapter four Guarantee of loanChapter five InsuranceChapter six Rights and ObligationsChapter seven Alteration of the contractChapter eight Responsibilities of breaching the co
8、ntractChapter nine Other contracted itemsChapter ten Special signed itemsChapter one General principleArticle 1.The contract is signed according to the Civil Law General Rules of P.R.C., Contract Law of P.R.C., Guarantee Law of P.R.C., Loan Rules, Chinese People Bank Individual House Loan Management
9、, and Beijing Rural Credit Cooperatives Individual House Loan Operation Regulations.Article 2. All the parties are equal, willing, honest and credit to sign the contract through negotiation, and promise to obey the contract.Article 3. The contract includes loan, mortgage, guarantee and so on.Chapter
10、 two LoanArticle 4. The purpose of loanIn the article 47 of this contract.Article 5. The amount of loan.In the article 48 of this contract.Article 6. The term of loan.In the article 49 of this contract.Article 7. The interest rate of loan.In the article 50 of the contract.In case the interest rate o
11、f the loan under this contract is adjusted by state within the term, the new interest rate is used from the first day of the coming year. But if the adjustment is within one year of the term (including one year), the interest rate of this contract is not changed.In case the state legal regulated int
12、erest rate is adjusted, Party B has obligation to implement the related regulations of Peoples Bank of China, and notice to Party A is not needed.Article 8. The mode and conditions of repayment.Party A and Party B agree to adopt the special mode of repayment, namely Party B directly delivers the loa
13、n to the account opened by Party C according to the signed advanced Entrust transferring payments Authorization. The name and number of the account is in the article 51 of this contract.Chapter three Repayment of loanArticle 9. The principles of repaymentParty A should repay the principal and intere
14、st of loan from the next month after the loan has transferred into the account opened by Party C. One month is a repayment period, the present principal and interest should be paid off within the present month. The repayment day is 25th of every month, and the repayment of last period should not lat
15、er than the contract term.Party A and Party B should obey the principle of repaying the principal first and the interest second, and the principal and interest are prepaid off at the same time. The repayment items of Party A are accounted in the order of “owed interest before period-interest in present period-the principal”Article 10. The total periods of repayment.Party A and Party B agree that Party A repay the loan monthly, and confirm the total periods of repayment. The details are in
