个人消费贷款借款担保合同中英
担保合同中英文对照
担保合同中英文对照Guarantee Agreement担保合同中英文对照1. Introduction1. 引言This guarantee agreement ("Agreement") is entered into between ABC Company (hereinafter referred to as "Guarantor") and XYZ Company (hereinafter referred to as "Principal Debtor"). This Agreement sets forth the terms and conditions pertaining to the Guarantor's guarantee of the Principal Debtor's obligations to LMN Bank (hereinafter referred to as "Lender").本担保协议（以下简称“协议”）由甲方ABC公司（以下简称“担保人”）与乙方XYZ公司（以下简称“主债务人”）签订。
本协议规定了担保人对于主债务人向LMN银行（以下简称“贷方”）承担的债务提供担保的条款和条件。
2. Definitions2. 定义2.1 "Guarantee" refers to the guarantor's commitment to ensure the performance of the principal debtor's obligations under the loan agreement with the lender.2.1 “担保”指担保人为保证主债务人根据与贷方签订的贷款协议履行债务的承诺。
2.2 "Principal Debt" refers to the loan provided by the lender to the principal debtor.2.2 “主债务”指贷方向主债务人提供的贷款。
银行个人贷款合同中英文版6篇
银行个人贷款合同中英文版6篇全文共6篇示例，供读者参考篇1Personal Loan AgreementThis Personal Loan Agreement (the “Agreement”) is entered into on [Date] between [Lender Name], with a principal place of business at [Address] (the “Lender”), and [Borrower Name], with a residence address at [Address] (the “Borrower”).1. Loan Amount: The Lender agrees to lend the Borrower the principal amount of [Loan Amount] (the “Loan Amount”).2. Interest Rate: The Borrower agrees to pay interest on the outstanding principal amount of the loan at the rate of [Interest Rate] per annum.3. Term: The term of this loan shall be [Number] months from the date of this Agreement.4. Repayment: The Borrower agrees to repay the outstanding principal amount of the loan in [Number] equal installments of [Monthly Repayment Amount], payable on the [Day] day of each month.5. Prepayment: The Borrower may prepay the loan in full or in part at any time without penalty.6. Default: In the event of default, the Lender shall have the right to accelerate the loan and demand immediate repayment of the outstanding principal amount.7. Governing Law: This Agreement shall be governed by the laws of [Jurisdiction].8. Amendments: Any amendments to this Agreement must be made in writing and signed by both parties.IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the date first above written.Lender: [Signature]Borrower: [Signature][Name][Date]篇2Personal Loan AgreementThis Personal Loan Agreement (the "Agreement") is entered into effective as of [Date] by and between [Lender’s Name],with a principal place of business at [Address] (the "Lender") and [Borrower’s Name], residing at [Address] (the "Borrower").1. Loan Amount and PurposeThe Lender agrees to loan the Borrower the principal amount of [Loan Amount] (the "Loan") for the purpose of [Loan Purpose]. The Borrower agrees to repay the Loan in accordance with the terms and conditions of this Agreement.2. Interest Rate and FeesThe Parties hereby agree that the interest rate on the Loan shall be [Interest Rate] per annum. In addition to the interest, the Borrower agrees to pay any applicable fees, including but not limited to, origination fees and late payment fees.3. Repayment TermsThe Loan shall be repaid in [Number of Installments] installments of [Monthly Repayment Amount] each, to be paid on the [Day of the Month] of each month, beginning on [First Repayment Date]. The Borrower shall make payments to the Lender at [Payment Address].4. PrepaymentThe Borrower may prepay all or part of the outstanding Loan balance at any time without penalty. Any prepayments made shall first be applied to any outstanding fees or charges and then to the outstanding principal balance.5. DefaultIf the Borrower fails to make any payment when due, the Loan shall be considered in default. Upon default, the Lender may declare the entire outstanding balance of the Loan immediately due and payable and take any appropriate legal action to collect the debt.6. Governing LawThis Agreement shall be governed by and construed in accordance with the laws of [State/Country]. Any dispute arising out of or relating to this Agreement shall be resolved through arbitration in [City], in accordance with the rules of the American Arbitration Association.IN WITNESS WHEREOF, the Parties hereto have executed this Agreement as of the Effective Date first above written.[Lender’s Name] [Borrower’s Name]By:__________________ By:_______________Name:_______________ Name:______________Title:________________ Date:_______________Date:________________ [Witness's Name]WitnessThis Agreement represents the entire agreement between the Parties with respect to the Loan and supersedes any prior agreements or understandings, whether written or oral. This Agreement may not be modified except in writing signed by both Parties.篇3Personal Loan AgreementThis Personal Loan Agreement ("Agreement"), is made and entered into as of [Date] by and between [Lender], a bank organized and existing under the laws of [Country], and having its principal place of business at [Address], and [Borrower], an individual residing at [Address].Whereas, Borrower desires to borrow a sum of money from Lender, and Lender desires to lend Borrower such sum of money on the terms and conditions set forth herein.Now, therefore, in consideration of the mutual covenants contained herein and for other good and valuable consideration, the receipt and sufficiency of which are hereby acknowledged, the parties hereby agree as follows:1. Loan Amount. Lender agrees to lend Borrower the sum of [Amount in Words] ([Amount in Numbers]) dollars, to be disbursed in one lump sum payment.2. Interest Rate. The annual interest rate on the loan shall be [Interest Rate]%. Interest shall accrue from the date of disbursal of the loan until the loan is fully repaid.3. Repayment Terms. Borrower shall repay the loan in equal monthly installments of [Amount] dollars, beginning on [First Payment Date] and continuing on the same date of each month thereafter until the loan is fully repaid.4. Prepayment. Borrower may prepay the loan, in whole or in part, at any time without penalty. Any partial prepayments made by Borrower shall be applied first to accrued but unpaid interest and then to the outstanding principal amount of the loan.5. Default. In the event Borrower fails to make any payment when due, or otherwise defaults under the terms of this Agreement, Lender may declare the entire outstanding balanceof the loan immediately due and payable and pursue all available legal remedies to enforce its rights under this Agreement.6. Governing Law. This Agreement shall be governed by and construed in accordance with the laws of [Country]. Any dispute arising under or in connection with this Agreement shall be resolved by arbitration in accordance with the rules of the [Arbitration Institution].7. Entire Agreement. This Agreement constitutes the entire agreement between the parties with respect to the subject matter hereof and supersedes all prior agreements and understandings, whether written or oral, relating to such subject matter.IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the date first above written.[Lender] [Borrower]By: Name: Name:Title: Title:Date: Date:篇4Personal Loan AgreementThis Personal Loan Agreement (the "Agreement") is entered into on [Date] between [Lender], a financial institution located at [Address] ("Lender") and [Borrower], an individual located at [Address] ("Borrower").1. Loan Amount: The Lender agrees to loan the Borrower the principal amount of [Loan Amount] (the "Loan").2. Interest Rate: The Loan shall bear interest at the rate of [Interest Rate] per annum, calculated on the outstanding principal amount from time to time.3. Term: The term of the Loan shall be [Loan Term] months, beginning on the date of disbursement of the Loan.4. Repayment: The Borrower shall repay the Loan amount in [Number of Payments] equal monthly installments of [Installment Amount], with the first installment due on [First Due Date].5. Prepayment: The Borrower shall have the right to prepay the Loan in whole or in part at any time without penalty.6. Late Payment: In the event that any installment payment is not made when due, the Borrower shall pay a late payment fee of [Late Payment Fee].7. Default: The Loan shall be considered in default if the Borrower fails to make any installment payment within [Number of Days] days of its due date.8. Security: The Borrower hereby pledges, assigns, and transfers to the Lender all rights and interests in [Collateral], as security for the Loan.9. Governing Law: This Agreement shall be governed by and construed in accordance with the laws of [Jurisdiction].IN WITNESS WHEREOF, the parties hereto have executed this Agreement as of the date first above written.[Lender] [Borrower]Signature: __________________ Signature: __________________Print Name: _________________ Print Name: ________________Date: ___________________ Date: ____________________篇5Personal Loan ContractThis Personal Loan Contract ("Contract") is made and entered into on this ______ day of __________, 20__ between [Borrower’s Name], whose address is [Borrower’s Address]("Borrower") and [Lender’s Name], whose address is [Lender’s Address] ("Lender").Loan Amount:1. The Lender agrees to lend to the Borrower the sum of______________ dollars ($______) ("Loan Amount") for the purpose of [purpose of loan].Repayment Terms:2. The Borrower agrees to repay the Loan Amount to the Lender in accordance with the following terms:a. The Loan Amount shall be repaid in [number of installments] equal installments of ______________ dollars ($______) each.b. The Borrower shall make the first installment payment on the ______ day of __________, 20__ and subsequent installment payments on the same day of each month thereafter until the Loan Amount is fully repaid.c. The Borrower shall pay interest on the unpaid principal balance of the Loan Amount at the rate of ____________ percent per annum.Prepayment:3. The Borrower may prepay the Loan Amount in full or in part at any time without penalty.Default:4. If the Borrower fails to make any installment payment when due, the Loan Amount shall become immediately due and payable in full, and the Lender may pursue any available legal remedies to collect the outstanding amount.Governing Law:5. This Contract shall be governed by and construed in accordance with the laws of the State of [State].Entire Agreement:6. This Contract constitutes the entire agreement between the parties with respect to the Loan Amount, and supersedes all prior agreements and understandings, whether written or oral, relating to the Loan Amount.IN WITNESS WHEREOF, the parties hereto have executed this Contract as of the date first above written.[Borrower’s Signature][Lender’s Signature][Borrower’s Name][Lender’s Name]篇6Personal Loan AgreementThis Personal Loan Agreement (the "Agreement") is entered into on [Date], by and between [Lender Name], with its principal place of business located at [Address] (the "Lender") and [Borrower Name], with a mailing address of [Address] (the "Borrower").Loan Details:1. Loan Amount: The Lender agrees to lend the Borrower the principal amount of [Loan Amount] (the "Loan Amount").2. Interest Rate: The interest rate on the Loan Amount shall be [Interest Rate]% per annum.3. Repayment Term: The Borrower shall repay the Loan Amount in [Number] installments of [Amount] each on the [Monthly Due Date] of each month, starting on [First Repayment Date].4. Late Payment: In the event that the Borrower fails to make the repayment on time, a late fee of [Late Fee Amount] shall be charged.5. Prepayment: The Borrower shall have the right to prepay the Loan Amount in whole or in part at any time without penalty.Representations and Warranties:1. The Borrower represents and warrants that all information provided in connection with this Agreement is true, accurate, and complete.2. The Borrower agrees to use the Loan Amount for the purpose agreed upon between the parties.3. The Borrower shall promptly notify the Lender of any changes in the Borrower's financial condition that may affect the Borrower's ability to repay the Loan Amount.Miscellaneous:1. This Agreement constitutes the entire agreement between the parties concerning the Loan Amount and supersedes any prior agreements or understandings.2. This Agreement shall be governed by and construed in accordance with the laws of [Jurisdiction].3. Any disputes arising out of or in connection with this Agreement shall be resolved through mediation or arbitration.IN WITNESS WHEREOF, the parties have executed this Agreement as of the date first written above.Lender: [Lender Name]Borrower: [Borrower Name]。
银行个人贷款合同中英文版8篇
银行个人贷款合同中英文版8篇篇1【中文版】甲方（银行）：____________ 银行乙方（借款人）：____________ 身份证号：__________________鉴于甲方同意向乙方提供贷款，乙方同意按照本合同约定的方式和条件归还借款，双方本着平等、自愿、公平和诚实信用的原则，经友好协商，订立本合同：一、贷款内容1. 贷款种类：____________________2. 贷款金额：人民币______万元整（大写）3. 贷款期限：自______年______月______日起至______年______月______日止。
4. 贷款利率：年利率为______%。
贷款利息自贷款发放之日起计算。
二、还款方式及计划1. 乙方应按照甲方规定的还款计划按期偿还贷款本息。
2. 还款方式：____________________。
3. 还款计划如下：____________________。
三、担保事项1. 乙方应按照甲方的要求提供担保，确保本合同的履行。
2. 担保方式：____________________。
3. 担保范围：包括但不限于贷款本金、利息、违约金等费用。
四、保证事项1. 乙方保证向甲方提供的所有资料真实有效。
2. 乙方保证按照本合同约定的方式和期限使用贷款，不得擅自改变贷款用途。
3. 乙方保证按期偿还贷款本息，如未按时还款，应承担违约责任。
五、违约责任1. 如乙方未按照本合同约定的时间和方式偿还贷款本息，应按照未还金额的一定比例支付违约金。
2. 乙方违反本合同约定的其他条款，甲方有权要求乙方承担违约责任并采取相应的法律措施。
六、合同变更与解除1. 本合同一经签订，甲乙双方应严格履行。
合同期间，任何一方不得擅自变更或解除合同。
2. 如因不可抗力等因素需要变更或解除本合同，应经甲乙双方协商一致，并书面确认。
七、争议解决1. 甲乙双方因本合同产生的争议，应友好协商解决；协商不成的，可以向合同签订地人民法院提起诉讼。
银行个人贷款合同中英文版2篇
银行个人贷款合同中英文版2篇篇1合同编号：【编号】甲方（银行）：__________分行/支行地址：__________________________电话：__________________________乙方（借款人）：___________身份证号码：_____________________住址：__________________________电话：__________________________电子邮箱：______________________鉴于甲方同意向乙方提供贷款，双方根据《中华人民共和国合同法》等相关法律法规的规定，本着公平、公正、诚实信用的原则，就本次个人贷款事宜达成如下协议：一、贷款事项1. 贷款金额：人民币______元整。
2. 贷款期限：自______年______月______日起至______年______月______日止。
共______期。
每月的______日为还款日。
3. 贷款利率：年利率为______，利息自贷款发放之日起计算。
4. 还款方式：等额本息还款法，每月还款额包括本金及利息，共计______元整。
若逾期未还，甲方有权加收逾期利息。
二、保证事项乙方保证贷款用途合法合规，并保证按时足额偿还贷款本息。
同时乙方提供必要材料配合甲方完成贷款审核、放款、抵押登记等事宜。
乙方未经甲方同意不得将贷款用于股票、期货等高风险投资行为。
三、抵押物事项为保证本合同的履行，乙方愿意以其所有的位于______的房产作为抵押物，作为偿还贷款的担保。
在贷款未全部清偿前，乙方不得擅自处置抵押物。
四、违约责任如乙方未按约定时间还款或存在其他违约行为，甲方有权采取以下措施：1. 计收罚息和复利；2. 宣布贷款提前到期并要求乙方立即偿还全部本息；3. 行使抵押权；4. 采取法律手段进行催收等。
同时乙方应承担因违约产生的律师费、诉讼费等相关费用。
五、合同的变更和解除本合同一经签订，未经双方同意不得随意变更或解除。
全版个人贷款担保合同英文版
全版个人贷款担保合同英文版Full Version Personal Loan Guarantee ContractThis document serves as a legal agreement between the lender and the guarantor in relation to a personal loan. The guarantor agrees to guarantee the repayment of the loan by the borrower in the event of default. The terms and conditions outlined in this contract are binding and enforceable by law.1. Parties Involved:- Lender: [Name of Lender]- Borrower: [Name of Borrower]- Guarantor: [Name of Guarantor]2. Loan Details:- Amount of Loan: [Insert Loan Amount]- Interest Rate: [Insert Interest Rate]- Repayment Schedule: [Insert Repayment Schedule]3. Guarantor's Obligations:- The guarantor agrees to guarantee the repayment of the loan by the borrower.- In the event of default by the borrower, the guarantor will be responsible for the outstanding amount.4. Term of Guarantee:- The guarantee provided by the guarantor will remain in effect until the loan is fully repaid or until otherwise terminated by mutual agreement.5. Release of Guarantor:- The guarantor may be released from their obligations under this contract upon written agreement between the lender, borrower, and guarantor.6. Governing Law:- This contract shall be governed by the laws of [Insert Jurisdiction].7. Dispute Resolution:- Any disputes arising from this contract shall be resolved through arbitration in accordance with the rules of [Insert Arbitration Institution].8. Severability:- If any provision of this contract is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.9. Entire Agreement:- This contract constitutes the entire agreement between the parties and supersedes any prior agreements or understandings.10. Signatures:- Lender: [Signature]- Borrower: [Signature]- Guarantor: [Signature]By signing below, the parties acknowledge that they have read and understood the terms and conditions of this contract and agree to be bound by them.[Date of Contract]。
银行个人贷款合同中英文版3篇
银行个人贷款合同中英文版3篇篇1Bank Personal Loan Contract本合同由以下双方签订：借款人：（以下简称“甲方”）贷款人：（以下简称“乙方”）银行Contract made and signed by the following two parties:Borrower: (hereinafter referred to as "Party A")Lender: Bank (hereinafter referred to as "Party B")鉴于甲方因个人需求，向乙方申请贷款，经双方友好协商，达成以下贷款协议：WHEREAS Party A, for personal needs, applies for a loan from Party B. Through friendly negotiation, both parties have reached the following loan agreement:一、贷款金额与期限Loan Amount and Term1. 乙方同意向甲方提供贷款，金额为____（大写：______）人民币。
Party B agrees to provide Party A with a loan in the amount of ______ RMB (in words: ______).2. 贷款期限为______年，自本合同生效之日计算。
The loan term is ______ years, calculated from the date this contract becomes effective.二、利率与还款方式Interest Rate and Repayment Method1. 贷款利率按乙方规定的利率计算，具体为年利率______%。
The interest rate for the loan shall be calculated at the rate specified by Party B, specifically at an annual interest rate of______%.2. 甲方应按以下方式还款：______ （如：每月等额本息还款、一次性还本付息等）。
担保合同中英文对照
担保合同中英文对照Guarantee Contract合同编号：XXXX-XXContract Number: XXXX-XX甲方：（债权人）_______________________Party A: (Creditor) _______________________乙方：（债务人）_______________________Party B: (Debtor) _______________________丙方：（担保人）_______________________Party C: (Guarantor) _______________________鉴于：Whereas:1. 甲方与乙方之间存在债务关系，债务详细如下：Party A and Party B have a debt relationship, the details of which areas follows:_______________________________________________________________________________________2. 为确保本合同项下的债务得到及时偿还，甲方要求乙方提供担保。
In order to ensure the timely repayment of the debt under this contract, Party A requires Party B to provide guarantee.3. 乙方委托丙方作为其担保人，并就此达成以下协议。
Party B appoints Party C as its guarantor, and the following agreement is reached:第一条：担保方式Article 1: Guarantee Method1.1 本担保合同采用保证担保方式。
This guarantee contract adopts the method of guarantee.1.2 担保期限为______年/月，自本合同生效之日起计算。
银行个人贷款合同中英文版
银行个人贷款合同中英文版借款人(以下简称甲方)：Borrower(hereinaftercalledPartyA)：身份证件名称及号码：IDnameandcodeNo：IDcardNumber 住所：Addressoflivingplace：联系电话：Postcode：邮编：Contactnumber：贷款人(以下简称乙方)：Lender(hereinaftercalledPartyB)：住所：Addressoflivingplace：联系电话：Postcode：邮编：Contactnumber：抵押人：Mortgager：身份证件名称及号码：IDnameandcodeNo：IDcardNumber 住所：Addressoflivingplace：联系电话：Postcode：邮编：Contactnumber：出质人：Pledger：身份证件名称及号码：IDnameandcodeNo：IDcardNumber 住所：Addressoflivingplace：联系电话：Postcode：邮编：Contactnumber：保证人：Guarantor：身份证件名称及号码：IDnameandcodeNo：IDcardNumber 住所：Addressoflivingplace：联系电话：Postcode：邮编：Contactnumber：根据中华人民共和国合同法和担保法的相关规定，甲方、乙方和担保方经过协商，就乙方向甲方贷款事宜达成如下合同条款。
第一条借款金额Article1AmountofLoan详见本合同第十四条第一款。
第二条借款用途Article2PurposeofLoan详见本合同第十四条第二款。
第三条借款利率Article3InterestofLoan一、借款利率详见本合同第十四条第三款。
二、本合同履行期间，遇中国人*银行贷款利率调整，借款利率按有关规定调整与执行，乙方将在营业场所对贷款利率调整情况进行公告，不再另行书面通知甲方。
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个人消费贷款借款担保合同(中英文)Individual Consumption Loan Borrowing Contract借款人：Borrower贷款人：Lender抵押人：Mortgagor保证人：Surety出质人：Pledgeor为明确各方权利和义务，根据《合同法》、《贷款通则》和其他有关法律、法规，订立本合同。
This Contract is made in line with the Contract Law of the People's Republic of China and The General Provisions of Loans of the People's Bank of China to specify the rights and obligations of parties involved.借贷条款Loan Borrowing Clause第一条借款金额。
见36.1Article 1. Amount of loan: Refer to 36.1第二条借款用途。
见36.2Article 2. Purpose of loan: Refer to 36.2第三条借款期限。
Article 3. Life of loan3．1见36．3。
3.1 Refer to 36.33．2借据或贷款凭证是本合同不可分割的组成部分。
借款的实际放款日和还款日以借款人、贷款人双方办理的借据或凭证上所记载的日期为准。
除日期外，借据或凭证其他记载事项如与本合同不一致的，以本合同为准。
3.2 A certificate of indebtedness or a loan voucher is an integral part of this Contract. The date of advance and payment due date shall follow the date specified on the certificate of indebtedness or loan voucher . Where there is any inconsistency between the stipulations on the certificate of indebtedness or loan voucher and the Terms and Conditions on this Contract except date, the latter shall prevail.第四条借款划付。
在借款人办妥借款手续后5个营业日内将全部款项划至借款人指定的账户，划付次数、时间、金额见36．4 。
Article 4 Transferring of loan. The full amount of loan shall be transferred to anAccount designated by the Borrower within 5 working days from the date of completing borrowing procedure. Refer to 36.4 for the frequency, time and amount of transferring第五条借款利率和计息。
5．1借款利率。
本合同项下借款利率根据国家有关规定，确定利率见—36—．5 。
遇利率调整时，借款期限在1年(含)以下的，执行合同利率，不分段计息；借款期限在1年以上的，实行分段计息，从利率调整的次年1月1日开始，按相应利率的档次执行新的利率；如借款人未按约定时间归还借款本息或未按合同约定用途使用借款，贷款人将按国家规定对借款人计收罚息，罚息率见36．6。
Article 5. Interest rate of loan and calculation5.1 Interest rate of loan: The interest rate under this Contract is specified in 36.5 in line with relevant rules. In case of change of interest rate, the interest rate stipulated in the Contract shall prevail for loans with a life of less than or equal to one year; For loans with a life exceeding one year, the interest shall be calculated on a multi-stage basis, i.e. From next Jan. 1st following the adjustment of interest rate, the new rate shall prevail. In case the Borrower fails to repay the principal and interest before the due date, or fails to use the loan for purposes as agreed in this Contract, the lender shall be entitled to collect default interest in line with relevant rules. The default interest rate is specified in 36.6.5．2遇利率调整时，实行分段计息的，贷款人有权根据国家有关规定自行调整，不另行通知借款人。
5.2 In case of calculating interest on multi-stage basis due to adjustment of interest rate, the lender shall be entitled to adjust the interest rate on his own without further notice to the Borrower.第六条还款方式Article 6 Type of Repayment of Loan6．1借款人应在贷款人开设帐户，户名和帐号见36．7 ，并保证在每次还款日前足额存入当期应还款项的存款。
借款人在此授权贷款人从借款人该帐户中扣收借款本金、利息和可能发生的复利、罚息、违约金、保费、损害赔偿金及实现债权的费用(含律师费和诉讼费)。
如该帐户资产不足以归还到期的贷款本息，贷款人有权从借款人在中国工商银行任何分支机构开立的任何帐户划收。
6.1 The Borrower should open an account with the Lender( The account name and account number are specified in 36.7.) and promise to deposit sufficient money for repayment before each due date. The Borrower hereby authorizes the Lender to collect , if any, compound interest, default interest, liquidated damage, premium, compensation and expenses arising from the realization of creditor’s ri ght (including lawyer’s fee and court expense)in addition to due principal and interest of loan. In case the asset in this Account is not enough for repayment of due principal and interest, the Lender shall be entitled to collect from any Account opened by the Borrower with any branch of ICBC.6．2贷款人与借款人双方商定，自贷款发放次月起，借款人按月归还贷款本息(一次性还本付息除外)，还款期数及还款方式见36．8 。
6.2 The Borrower shall repay the principal and interest on a monthly basis (Except repaying principal and interest in a lump sum) from the second month following the issuing of loan , as agreed between the Borrower and Lender. The repayment tenors and type are specified in 36.8.6．3借款期间遇利率调整，如执行本合同5．1条实行分段计息的，对借款期限在1年以上的，应从利率调整的次年1月1日开始根据未偿还借款余额和剩余还款期数进行调整，重新计算还款金额。
6.3 In case of multi-stage calculation of interest as specified in 5.1 due to adjustment of interest rate during the life of loan, the repayment amount for loans with a life exceeding one year shall be recalculated on the basis of balance of unpaid loan and the rest of repayment tenor from next Jan. 1st following the adjustment of interest rate.6．4借款人提前归还贷款须经贷款人书面同意，，提前归还部分的利息仍按本合同约定的利率和该部分实际使用天数计算。
6.4 Repayment of the loan ahead of schedule by the Borrower shall be subject to written consent from the Lender. The interest of prepaid amount should be calculated on the basis of rate specified in this Contract and actual days.第七条担保方式。