篇一：交通银行个人住房贷款合同翻译
The borrower should read the contract especially Articles of *** carefully and signed the contract
after being confirmed of no objections.
Bank of Communications
Personal House Loan Contract
(Apply to signing contracts among the borrower, the lender and the real estate agency)
Yu BOCS 2004 Jiulongpo GD Zi No. xxxx
Borrower:xxxx
Deposit bank and account: Whereas the borrower applies for personal house loan to buy a house for self residence from the real estate agency and the lender agrees to load to the borrower after investigation, the borrower, the lender and the real estate agency, in accordance with laws and regulations as well as provisions relevant to the personal house loan, sign and conclude the contract by consensus.
Article 1 Loan
1.1 The loan amount is RMB (in words): xxx. 1.3 The loan will be used to buy: Total price of the house: xxxx
Article 2 Interest and rate of loan
If the loan term is more than one year, in case of adjustment of the prescribed interest rate, it should be executed according to provisions of the People’s Bank of China without gaining agreement of the borrower.
2.2 The loan interest under the contract should be charged according to the actual loan amount and occupation days from the actual issuing day of the loan.
Article 3 Loan issuing
3.1 Preconditions of issuing loan price into the account specified in Article 4.5 of the contract and has entrusted the lender to pay the real estate agency.
(2) Relevant guarantee contract prescribed in Article 5 of the contract has been signed. 3.2 The lender should issue the loan days after the borrower goes through all procedures of loan.
3.3 The loan should be issued by the method that: the lender transfers the loan and the down payment deposited by the borrower into the account xxx opened by the real estate agency in the lender’s bank under the name of the borrower’s house purchase payment.
Article 4 Loan repayment
4.1 The loan should be repaid by the equal monthly payment. If the loan term is less than 1 year, both parties concerned may adopt the method of repaying capital with interest by negotiation.
The method of loan repayment should be determined according to the annual plan of loan repayment provided by the lender.
If the loan will be repaid by the method of equal monthly payment, it is applicable to Article
4.2 to Article 4.4.
4.2 The borrower should repay the capital and interest under the contract by month from the first repayment date after the loan is issued.
The amount of capital and interest to be paid by the borrower should be determined by the method of equal payment. The calculation method for the amount of capital and interest of personal house loan of Bank of Communications is shown in the attachment of the contract.
4.3 The capital and interest amount to be paid in each month and firstly determined after the Article 2.1 of the contract, the capital and interest amount of each month shall be calculated and determined according to Article 2.1 and Article 4.2 of the contract.
The lender shall mail the annual plan of loan repayment of Bank of Communications to the borrower according to the contact address supplied by the borrower within of loan issuing and interest adjustment.
th*** 4.5 The borrower shall open an account for loan issuing as well as capital and interest as required by the lender. The borrower should deposit enough money in the account specified by the lender to repay the due capital and interest.
The lender deducts the due capital and interest from the specified account on each repayment date. If the amount in the specified account is insufficient for deducting the due capital and account, the lender is entitled to deduct the amount from the borrower’s other account opened in the Bank of Communications.
*** 4.6 The borrower might repay the loan in advance according to the following provisions after being agreed by the lender.
(1) If it is decided to repay the total loan in advance, it might be transacted on any working day of the bank; if it is decided to repay part of the loan, it shall be transacted on the repayment date specified in the contract. The interest of the paid-off capital should be settled at repayment.
(2) As for the loan repaid in advance, the lender will not return the interest which has been charged and will not charge the interest from the date of advance payment to the agreed loan repayment date.
(3) If the loan is partly repaid in advance, the lender should make a new annual plan for loan repayment according to the agreed rate and remaining repayment periods to determine the amount of capital and interest of each month. If the borrower requires shortening the periods of repayment, it should be agreed by the lender.
Article 5 Security for debt
5.1 The borrower and lender signs the Loan Mortgage Contract with the purchased house as guarantee.
5.2 Before the Property Ownership Certificate engaged in the Loan Mortgage Contract is transacted and kept by the lender, the real estate agency shall provide the borrower with guarantee of joint liabilities to pay the capital, interest, compound interest, default interest and cost for realizing the creditor’s right of the lender.
5.3 The real estate agency promises: when the lender needs to exercise the mortgage right under the Loan Mortgage Contract, the real estate agency, as required by the lender, shall repurchase the house with an amount no less than the capital and interest (including overdue default interest, subject to the account document provided by the lender). The money shall be used to pay off the due capital and interest under the contract on a priority basis.
***Article 6 Statement and guarantee of the borrower
6.1 The borrower accepts and abides by the business system and working rules of the lender as well as operational procedures under the contract.
6.2 The borrower promises to coordinate with the lender in investigation and examination of situations on personal income, expense, liability etc. and provide situations and relevant material required by the lender timely, integrally and accurately.
6.3 The borrower must notify the lender within 7 days after the (possible) occurrence of the following events:
(1) The working condition and household income of the borrower and the borrower’s family members change greatly.
(2) Significant misfortune occurs to the family of the borrower.
(3) The financial condition of the guarantor changes greatly or the value of the guaranty decreases apparently.
(4) Other events affecting the repayment capability of the borrower occur.
(5) The contact address and telephone number of the borrower are changed.
Article 7 Other matters agreed
The date of borrowing is the date of repayment. In case of disputes between the actual loan issuing date and the date agreed in the loan contract, it should be subject to the date on the loan note.
*** Article 8 Responsibility of default
8.1 Any of the following events can constitute the event of default stated in the Article.
(1) The borrower defaults the capital or interest;
(2) The borrower and the guarantor refuse normal investigation and supervision of the lender;
(3) The borrower or the guarantor is engaged in illegal criminal activities;
(4) One of the events which shall be notified according to Article 6.3 occurs and affects the repayment capability of the borrower.
8.2 After an event of default occurs, the lender is entitled to take the following measures:
(1) Declare loan capital issued under the contract due in advance and require the borrower
pay all capital and interest immediately.
(2) Charge default interest and compound interest of the overdue loan according to provisions of the People’s Bank of China.
(3) Deduct the capital, interest and other charges from any other account of the borrower in the Bank of Communications.
(4) Take other measures specified by laws and regulations.
Article 9 Others
9.1 The borrower, the real estate agency and the lender should go through procedures on mortgage registration, estate insurance, and contract notarization with the cost of the borrower
*** 9.2 Any dispute relevant to the contract should be subject to the people’s court in the location of the lender.
9.3 The loan application, Loan Note and contract attachment supplied by the borrower are inalienable constituent part of the contract.
9.4 The contract will take effect after being signed or stamped and affixed with the official seal by the three concerned parties of the contract. kept for future reference.
Borrower:xxxx(signature)
Signed on: xxx
Real estate agency: xxxx(seal)
Legal representative (signature or seal): xxx
Signed on: xx
Lender (official seal): Jiulongpo Sub-branch, Chongqing Branch, Bank of Communications Authorized representative (signature or seal): xxxx(seal)
Signed on: xxx
篇二：交通银行贷款产品细则
交通银行贷款产品细则
● 个人类贷款业务
● 小企业贷款业务
● 融资业务
个人类贷款业务
一、住房贷款
1、一手房贷款
我行向借款人发放的，用于购买首次交易住房（包括与住房配套的家用车库、车位）的贷款，包括住房商业性贷款和住房公积金商业性组合贷款。
（1）e贷在线、便捷申贷：能够网上申请，知晓预审结果，掌握审批进度。
（2）贷款费用、节省低廉：一般给与最优惠利率，减少借款人利息支出。
（3）配套产品、丰富多样：提供车位贷款、汽车贷款、装修贷款、住房转按贷款、贷利通配套产品。
（4）还款方式、方便灵活：根据客户生命周期及还款能力量身定制还款方式，方便客户灵活还款。
（5）贷后服务、贴心省心：免费的还款提醒、贷款信息变更等短信息提醒。
（1）具有完全民事行为能力的自然人（包括港、澳、台及境外人士）。
（2）申请贷款时年龄不得超过65周岁，同时贷款到期时不得超过70周岁。
（3）信用状况良好，并拥有正当职业和稳定收入来源。
对购买首套普通自住房的，贷款金额最高不超过所购房产价值的70％，高档房产应适当降低贷款成数；第二套住房贷款首付款比例不得低于60%。监管部门政策调整的，执行监管部门及我行相关规定。
最长30年。
房贷利率严格执行国家监管规定，详细请咨询咨询各分行网点。
等额本息、等额本金、分阶段还款、等额递增、等额递减、一次利随本清、一次还本分次付息。后两种还款方式适用于1年（含）以内短期贷款。
2、二手房贷款
我行向借款人发放的，用于购买售房人已取得房屋所有权证、能够在二级市场上合法交易住房（包括与住房配套的家用车库、车位）的贷款，包括住房商业性贷款和住房公积金商业性组合贷款。
（1）e贷在线、便捷申贷：能够网上申请，知晓预审结果，掌握审批进度。
（2）贷款费用、节省低廉：一般给与最优惠利率，减少借款人利息支出。
（3）配套产品、丰富多样：提供车位贷款、汽车贷款、装修贷款、住房转按贷款、贷利通配套产品。
（4）交易资金、安全保障：住房买卖资金通过银行划付，降低交易风险。
（5）还款方式、方便灵活：根据客户生命周期及还款能力量身定制还款方式，方便客户灵活还款。
（6）贷后服务、贴心省心：免费的还款提醒、贷款信息变更等短信息提醒。
（1）具有完全民事行为能力的自然人（包括港、澳、台及境外人士）。
（2）申请贷款时年龄不得超过65周岁，同时贷款到期时不得超过70周岁。
（3）信用状况良好，并拥有正当职业和稳定收入来源。
对购买首套普通自住房的，贷款金额最高不超过所购房产价值的70％，高档房产应适当降低贷款成数；第二套住房贷款首付款比例不得低于60%。监管部门政策调整的，执行监管部门及我行相关规定。
房产价值根据房产交易价格与评估价值孰低的原则确定。
最长30年。
房贷利率严格执行国家监管规定，详细请咨询咨询各分行网点。
等额本息、等额本金、分阶段还款、等额递增、等额递减、一次利随本清、一次还本分次付息。后两种还款方式适用于1年（含）以内短期贷款。
3、无交易转按揭贷款
借款人已在他行办理个人住房按揭贷款，但因各种原因，希望将剩余贷款转移到我行而申请的贷款。
（1）贷款费用、节省低廉：一般给与最优惠利率，减少借款人利息支出。
（2）配套产品、丰富多样：提供车位贷款、汽车贷款、装修贷款、住房转按贷款、贷利通配套产品。
（3）还款方式、方便灵活：根据客户生命周期及还款能力量身定制还款方式，方便客户灵活还款。
（4）贷后服务、贴心省心：免费的还款提醒、贷款信息变更等短信息提醒。
（1）具有完全民事行为能力的自然人（包括港、澳、台及境外人士）。
（2）申请贷款时年龄不得超过65周岁，同时贷款到期时不得超过70周岁。
（3）信用状况良好，并拥有正当职业和稳定收入来源。
转按贷款金额必须小于等于在他行剩余的贷款余额。
贷款期限加原他行已贷款期限最长30年。
在中国人民银行规定的基准利率基础上，按照监管部门相关规定执行。
等额本息、等额本金、分阶段还款、等额递增、等额递减、一次利随本清、一次还本分次付息。后两种还款方式适用于1年（含）以内短期贷款。
4、住房装修贷款
我行向借款人发放的用于装修住房的贷款。
（1）具有完全民事行为能力的中华人民共和国公民。
（2）年龄加贷款年限不超过60周岁。
（3）具备按时偿还贷款本息的能力和良好信用记录。
（4）借款人申请装修的住房必须是已办妥房地产权证或已办妥房屋交接手续的住房，且房屋无被查封等被限制转让的情况。
（5）符合我行规定的其他条件。
贷款额度不超过装修所需资金，且不超过所装修房产交易价格或评估价值的20％。装修单价原则上按不高于每平方米2500元计算。
贷款期限最长不超过5年。
在中国人民银行规定的基准利率基础上，按照监管部门相关规定执行。
等额本息、等额本金、分阶段还款、等额递增、等额递减、一次利随本清、一次还本分次付息。后两种还款方式适用于1年（含）以内短期贷款。
二、汽车贷款
1、个人汽车消费贷款
我行向借款人发放的用于购买自用汽车的人民币贷款。
（1）丰富的车贷产品：可通过汽车消费贷款、e贷通、循环贷款、个人综合授信、质押贷
款等多种方式购车。
（2）低廉的成本费用：一般给与最优惠利率，减少借款人利息支出。
（3）方便的申请渠道：能够网上申请，知晓预审结果，掌握审批进度。
（4）灵活的担保方式：可以采用信用、个人保证、机构保证、房产抵押、汽车抵押等多种担保方式申请贷款。
（5）便捷的申请流程：贷款流程短、手续简便。
（6）多样的还款方式：根据客户生命周期及还款能力量身定制还款方式，方便客户灵活还款。
（7）省心的贷后服务：免费的还款提醒、贷款信息变更等短信息提醒。
（1）具有完全民事行为能力的自然人（包括港、澳、台及境外人士），在当地具有固定居所。
（2）年龄加贷款年限不超过60周岁。
（3）信用状况良好，并拥有正当职业和稳定收入来源。
一手汽车贷款金额最高不超过所购车辆净价（不含各类附加税费及保费）的80%；二手汽车贷款最高不得超过实际交易价格与评估价格两者孰低的50%。
新车最长不超过5年。二手车最长3年。
在中国人民银行规定的基准利率基础上，按照监管部门相关规定执行。
等额本息、等额本金、等额递增、等额递减、一次利随本清、一次还本分次付息。后两种还款方式适用于1年（含）以内短期贷款。
(一) 第三方全程担保加所购车辆抵押。
1.法人全程担保加所购车辆抵押，包括我行合作的汽车经销商、专业担保公司、汽车生产商等合作方；
2.自然人全程担保加所购车辆抵押。借款人和保证人均需符合我行无担保客户准入标准。
(二) 保险公司提供全程履约保证保险。
(三) 专业担保公司提供全程担保。
(四) 阶段性担保加所购车辆抵押。提供阶段性担保的可为汽车经销商、专业担保公司、汽车生产商等合作方，也可为抵押、质押担
保，以及自然人担保方式。
(五) 仅以所购车辆抵押。借款人在办妥车辆抵押登记手续后发放贷款，可仅以所购车辆抵押。
(六) 房产抵押。抵押物限于住房、商业用房、商住两用房。
(七) 质押。质物限于定期存单、凭证式国债、储蓄国债、具有现金价值的人寿保单。
2、交通e贷通—e车贷
银行给予客户专项用于购车的授信额度，客户使用银行电子渠道（网银、手机银行和电话银行）自助放款与还款，并可根据买车进程自主决定付款时间，轻松刷卡或网上支付即可完成付款。
一切尽在掌握中
买车缺钱不用烦，边办贷款边选车，看中爱车即付款，第一时间开回家。
借款人有明确购车意愿，希望预先获得授信额度但自主掌握购车时机、灵活支配付款时间，可享受电子渠道随时随地放款、还款、POS刷卡、网上支付的便捷性。
额度高达100万元。
本业务的授信额度不可以循环使用，即归还贷款后额度不予恢复，授信有效期内累计放款金额不得大于授信额度。
授信期限最长3年。
贷款期限最长3年，最短1个月。
三、教育类贷款
1、精英教育贷款
我行向接受各种境内或境外高等再教育或职业技能培训的学生或其直系亲属、法定监护人发放的用于支付学费及住宿费的贷款。
高等再教育主要指MBA、EMBA、MPAcc（会计硕士专业学位）、EDP（企业经理人员短期课程进修项目）等各类高等（精英）教育。职业技能培训主要指飞行员、高级珠宝鉴定师等高等（精英）职业技能培训。
（1）还款方式灵活：分培训期与工作期制定不同的还款计划，助您轻松完成学业。
（2）贷款期限长：期限最长达10年，圆您求学之梦。
（1）具有中华人民共和国国籍，具有完全民事行为能力的自然人。
（2）信用状况良好，并拥有正当职业和稳定收入来源。
（3）品行良好，学习能力强。
贷款额度不超过所需全部学费和住宿费之和，最高100万元。
攻读MBA、EMBA、MPAcc、EDP等各类高等（精英）教育的，贷款期限一般3年，最长6年。
接受飞行员、高级珠宝鉴定师等高等（精英）职业技能培训的，贷款期限一般5年，最长10年。
在中国人民银行规定的基准利率基础上，按照监管部门相关规定执行。
等额本息、等额本金、等额递增、等额递减、分次付息一次还本或一次性利随本清还款方式，其中，一次利随本清还款方式适用于1年（含）以内短期贷款。一次还本分次付息还款方式
篇三：交通银行个人二手房按揭贷款所需提供资料
交通银行个人二手房按揭所需提供资料：
1、 身份证
2、 户口本
3、 结婚证/离婚证（单身证明）
4、 首付款证明（买卖双方在交行转账凭证）
5、 交易契约（房产局有制式模板）
6、 收入证明
7、 银行卡折流水（一年，含“工资、奖金”备注的半年即可）
8、 自有资产证明（房、车、存单，或有）
9、 卖方基础资料（身份证、户口本、婚姻证明） 备注：
1、首套房首付30%，基准利率上浮5%（征信有瑕疵的客户需在此基础上上浮）；我行对人民银行个人征信上无住房贷款记录的、或有住房贷款记录的贷款已结清的，均视为首套房。
2、客户需办理抵押。如该客户确定在我行办理按揭贷款，可在收集资料时即通知我行做评估手续，节省审批时间。
个人收入证明
交通银行伊犁分行：
兹证明 （先生或女士），身份证号 ，系本单位 （1、正式工；2、合同工；3临时工），已连续在本单位工作年，目前在本单位担任 职务。近一年来，该职工在本单位平均月收入为 元（大写： ），年收入为（大写） 。
本单位谨此承诺上述证明是正确、真实的。
特此证明！
单位地址： 单位电话：经办人：
单位公章：
年月
《交通银行住房贷款利率》由：创业找项目整理
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