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200 KiB
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711 lines
200 KiB
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<p align="center" style="text-align:center; margin:0cm 0cm 0.0001pt"><span style="font-size:10.5pt"><span style="line-height:26.0pt"><span style="font-family:"Times New Roman",serif"><b> </b> <span style="font-size:12.0pt"><span style="font-family:仿宋">编号： {{contNo}}</span></span></span></span></span></p>
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<p align="center" style="text-align:center; margin:0cm 0cm 0.0001pt"><span style="font-size:10.5pt"><span style="font-family:"Times New Roman",serif"><b> </b><b><span style="font-size:26.0pt"><span style="font-family:仿宋">个人借款合同</span></span></b></span></span></p>
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<p align="center" style="text-align:center; margin:0cm 0cm 0.0001pt"><span style="font-size:10.5pt"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:22.0pt"><span style="font-family:仿宋">（适用于个人消费性/经营性贷款）</span></span></b></span></span></p>
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<p align="center" style="text-align:center; margin:0cm 0cm 0.0001pt"><span style="font-size:10.5pt"><span style="line-height:26.0pt"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="font-family:仿宋">（2021年第1版）</span></span></span></span></span></p>
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<p> </p>
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<p align="center" style="text-align:center; margin:0cm 0cm 0.0001pt"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:18.0pt"><span style="line-height:150%"><span style="font-family:黑体">敬请注意</span></span></span></b></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:黑体">尊敬的客户：为了维护您的权益，请您在签署本合同前，仔细阅读并确认如下事项：</span></span></span></b></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:黑体">1.</span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:黑体">您已仔细阅读本合同所有条款，注意到了本合同涉及金额、期限、用途、还款方式、违约情形及违约处理等内容的条款，并已特别注意字体加黑加粗的内容；</span></span></span></b></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:黑体">2.</span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:黑体">就您重点关注的条款，尤其是字体加黑加粗的内容及其他您认为与您有重大利害关系的条款，湖南三湘银行已应您的要求进行了全面且明确的说明，您对所有条款的含义及相应的法律后果已全部通晓并充分理解；</span></span></span></b></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:黑体">3.</span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:黑体">您已确保提交给湖南三湘银行的有关证件及资料是真实、合法、有效、完整的；</span></span></span></b></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:黑体">4.</span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:黑体">您已确认您本人有权签署本合同，相关授权代表有权代表您在本合同上签名，并知悉签署本合同后享有的权利、承担的义务及可能承担的责任；</span></span></span></b></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:黑体">5.</span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:黑体">您已确知任何欺诈、违约情形均要承担相应的法律责任；</span></span></span></b></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:黑体">6.</span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:黑体">您将本着诚实信用的原则，自愿签订并依约履行本合同；</span></span></span></b></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:黑体">7.</span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:黑体">您认可本合同所采用电子签名方式的法律效力并认可本电子合同的形式合法性、保存合法性、证据真实性及签名可靠性。</span></span></span></b></span></span></span></span></p>
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<p class="MsoBodyTextFirstIndent" style="margin:0cm 0cm 6pt; text-align:justify"> </p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:黑体">如您对本合同有任何疑问、意见或建议，请您暂停后续操作，您可向湖南三湘银行工作人员咨询与反映，也可通过拨打湖南三湘银行4000880966客户服务与投诉热线咨询与反映。如您继续操作，则您通过手机银行、网上银行、微信或其他与本业务相关的客户端等电子渠道登录、使用贷款人贷款服务等行为，均视为您已阅读本合同全部条款并同意接受本合同的约束。</span></span></span></b></span></span></span></span></p>
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<p> </p>
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<p align="center" style="margin-top:6.0pt; text-align:center; margin:0cm 0cm 0.0001pt"><span style="font-size:10.5pt"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:18.0pt"><span style="font-family:仿宋">个人借款合同</span></span></b></span></span></span></p>
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<p align="center" style="margin-bottom:6.0pt; text-align:center; margin:0cm 0cm 0.0001pt"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:18.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（适用于个人消费性/经营性贷款）</span></span></span></b></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">贷款人：<u> </u></span></span></span></b><u><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">湖南三湘银行股份有限公司</span></span></span></u><u><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（简称“湖南三湘银行”） </span></span></span></u></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">住所地：<u> 湖南省长沙岳麓区滨江景观大道楷林国际D座 </u></span></span></span></span></span></span></span></p>
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<p class="204" style="margin-bottom:.0001pt; margin:3.75pt 0cm"><span style="font-size:12pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:宋体"><span style="line-height:150%"><span style="font-family:仿宋">法定代表人：<u> 夏博辉 </u> 邮编：<u> 410023 </u></span></span></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">联系人：<u> {{bankContacts}} </u>电话：<u> {{bankContactsPhone}} </u></span></span></span></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"> </p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人：</span></span></span></b><u><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"> {{custName}} </span></span></span></u></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">身份证号码：<u> {{certNo}} </u> 邮箱地址：<u> {{email}} </u></span></span></span></span></span></span></span></p>
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<p class="204" style="margin-bottom:.0001pt; margin:3.75pt 0cm"><span style="font-size:12pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:宋体"><span style="line-height:150%"><span style="font-family:仿宋">家庭住址：<u> {{residAddr}} </u>电话：<u> {{mobile}} </u></span></span></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">工作单位：<u> {{comName}} </u></span></span></span></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">根据《中华人民共和国民法典》及国家其他相关法律法规，经双方平等友好协商一致，订立本合同。</span></span></span></span></span></span></span></p>
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<p align="center" style="margin-top:6.0pt; margin-right:0cm; margin-bottom:6.0pt; margin-left:0cm; text-align:center; margin:0cm 0cm 0.0001pt"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第一章 特别签订条款</span></span></span></b></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">【请在“<u> </u>”处据实填写具体信息，无需填写的请划“\”,选择的请在“□”中打“√”】</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第一条</span></span></span></b> <span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同属于贷款人与借款人签订的编号为<u> {{lmtContNo}} </u>《个人授信合同》/《个人授信及担保合同》项下的具体业务合同。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第二条</span></span></span></b> <span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同项下贷款为以下贷款：</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"><span style="layout-grid-mode:line">{{isConsume}}</span></span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">个人消费性贷款，贷款用途为<u> {{consumeLoanUse}} </u>。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"><span style="layout-grid-mode:line">{{isOperation}}</span></span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">个人经营性贷款，贷款用途为<u> {{operationLoanUse}} </u>。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第三条 </span></span></span></b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同项下贷款</span></span></span><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"><span style="layout-grid-mode:line">{{isLoop}}</span></span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">可循环/</span></span></span><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"><span style="layout-grid-mode:line">{{notLoop}}</span></span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">不可循环。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第四条 </span></span></span></b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同项下的贷款金额为人民币(大写)<u> {{payAmt}} </u>元整。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第五条</span></span></span></b> <span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同项下贷款期限为<u> {{loanTerm}}</u>（年{{termUnitY}}/月{{termUnitM}}/日{{termUnitD}}），即从<u> {{beginYear}}</u>年<u> {{beginMonth}} </u>月<u> {{beginDay}} </u>日起到<u> {{endYear}}</u>年<u> {{endMonth}}</u>月<u> {{endDay}}</u>日止。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第六条</span></span></span></b> <span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同项下贷款利率</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">采用</span></span></span><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"><span style="layout-grid-mode:line">{{isFloat}}</span></span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">浮动利率/</span></span></span><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"><span style="layout-grid-mode:line">{{isFixed}}</span></span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">固定利率</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">6.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">浮动利率：</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">6.1.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">按{{isSignDayF}}合同签订日/{{isPayDayF}}贷款发放日{{isOneYearF}}1年期/{{isFiveYearF}}5年期以上贷款市场报价利率（LPR）{{isPlusF}}加/{{isSubstractF}}减</span></span></span><u><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:宋体"> {{portNumF}}</span></span></span></u><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">个基点（一个基点为0.01%）执行，贷款年利率为<u> {{actualRateF}} </u>%。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">6.1.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同有效期内，如遇贷款市场报价利率（LPR）调整，贷款人根据</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">贷款市场报价利率</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（LPR）的变化按以下方式约定的浮动利率调整方式调整贷款利率：</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{rateChg1}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">次年对日调整，即从每年的放款日次年的对应日开始调整；</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{rateChg2}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">按年调整，即于每年的1月1日调整</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">，如前一年贷款市场报价利率（LPR）多次调整的，以前一年最后一次调整后的贷款市场报价利率（LPR）为准；</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{rateChg3}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">按季调整，即于每个季度首月1日调整，如前一季度贷款市场报价利率（LPR）多次调整的，以前一季度最后一次调整后的贷款市场报价利率（LPR）为准；</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{rateChg4}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">按月调整，即于每月1日调整。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">6.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">固定利率：</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">按{{isSignDay}}合同签订日/{{isPayDay}}贷款发放日{{isOneYear}}1年期/{{isFiveYear}}5年期以上贷款市场报价利率（LPR）{{isPlus}}加/{{isSubstract}}减<u> {{portNum}} </u>个基点（一个基点为0.01%）执行，贷款年利率为<u> {{actualRate}} </u>%。在贷款期间（</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">不含展期后的贷款期间</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">）内，贷款利率不变。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第七条 </span></span></span></b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人发生逾期还款、挪用贷款的，贷款人按如下罚息利率计收罚息：</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">7.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人未按本合同的约定按时足额偿还贷款的，贷款人有权对其计收逾期罚息，逾期罚息利率按照本合同约定的贷款利率上浮50%执行，逾期罚息自借款人逾期偿还本金或利息之日起收取至相应贷款本息清偿完毕之日止。具体计算标准如下：</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">7.1.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">如本合同约定的贷款利率为固定利率的，则以贷款利率[即{{isSignDay}}合同签订日/{{isPayDay}}贷款发放日{{isOneYear}}1年期/{{isFiveYear}}5年期以上贷款市场报价利率（LPR）{{isPlus}}加/{{isSubstract}}减<u> {{portNum}} </u>个基点（一个基点为0.01%）]*150%计算逾期罚息；</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">7.1.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">如本合同约定的贷款利率为浮动利率的，则以贷款利率[即{{isSignDayF}}合同签订日/{{isPayDayF}}贷款发放日{{isOneYearF}}1年期/{{isFiveYearF}}5年期以上贷款市场报价利率（LPR）{{isPlusF}}加/{{isSubstractF}}减</span></span></span><u><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:宋体">{{portNumF}}</span></span></span></u><u> </u><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">个基点（一个基点为0.01%））]*150%计算逾期罚息。贷款期间，如按照本合同第6.1.2条约定的浮动利率调整方式进行了调整的，则以调整后的贷款利率*150%计算逾期罚息。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">7.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人未按本合同约定用途使用贷款的，贷款人有权对其违约使用部分收取挪用罚息，挪用罚息利率按照本合同约定的贷款利率上浮100%执行，挪用罚息自借款人挪用贷款资金之日起收取至挪用部分贷款本息清偿完毕之日止。具体计算标准如下： </span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">7.2.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">如本合同约定的贷款利率为固定利率的，则以贷款利率[即{{isSignDay}}合同签订日/{{isPayDay}}贷款发放日{{isOneYear}}1年期/{{isFiveYear}}5年期以上贷款市场报价利率（LPR）{{isPlus}}加/{{isSubstract}}减<u> {{portNum}}</u>个基点（一个基点为0.01%）]*200%计算</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"><span style="color:black">挪用</span></span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">罚息；</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">7.2.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">如本合同约定的贷款利率为浮动利率的，则以贷款利率[即以{{isSignDayF}}合同签订日/{{isPayDayF}}贷款发放日{{isOneYearF}}1年期/{{isFiveYearF}}5年期以上贷款市场报价利率（LPR）{{isPlusF}}加/{{isSubstractF}}减</span></span></span><u><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:宋体"> {{portNumF}}</span></span></span></u><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">个基点（一个基点为0.01%）]*200%计算</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"><span style="color:black">挪用</span></span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">罚息。贷款期间，如按照本合同第6.1.2条约定的浮动利率调整方式进行了调整的，则以调整后的贷款利率*200%计算</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"><span style="color:black">挪用</span></span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">罚息。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">7.3 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">贷款逾期、挪用贷款双重违约的，罚息利率按规定择其重处，即按照挪用罚息利率执行。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第八条 </span></span></span></b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同贷款支付方式为：{{isZzzf}}自主支付/{{isStzf}}受托支付</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">8.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">如选择自主支付方式的，</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人按照贷款人的有关规定办妥贷款手续后，贷款人将贷款划入借款人在贷款人处开立的以下账户：</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">户名：<u> </u></span></span></span><u><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:宋体">{{lendAcctName}} </span></span></span></u></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">账号：<u> </u></span></span></span><u><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:宋体">{{lendAcctNo}} </span></span></span></u></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">8.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">如选择受托支付方式的，</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人同意并授权贷款人将全部贷款直接划至借款人指定的账户，具体以借款人另行签署的受托支付委托书为准。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第九条 </span></span></span></b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"> 贷款归还</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">9.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人应当在贷款人处开立结算账户作为本合同项下的还款账户。具体账户信息如下：</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第一还款账户：</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">户名</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">：<u> </u></span></span></span><u><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:宋体">{{firstRepayAcctName}} </span></span></span></u></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">账号：<u> </u></span></span></span><u><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:宋体">{{firstRepayAcctNo}} </span></span></span></u></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第二还款账户：</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">户名</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">：<u> {{secondRepayAcctName}} </u></span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">账号：<u> {{secondRepayAcctNo}} </u></span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">9.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人在此选择以下方式归还贷款本息：</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{repayMethod1}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">等额本息还款 </span></span></span><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{repayMethod2}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">等额本金还款</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{repayMethod3}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">到期一次还本付息 </span></span></span><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{repayMethod4}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">按月结息，到期还清</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{repayMethod5}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">按季结息，到期还清 </span></span></span><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{repayMethod6}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">其他<u> {{repayMethod6Info}} </u> </span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">9.3 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人分期还款的，每一期应还款项的还款日为每月<u> {{rpyDay}} </u>日，最后一期应还款项的还款日为贷款到期日。具体以贷款人生成的还款计划表为准。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第十条</span></span></span></b> <span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">提前还款</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人提前还款的，贷款人按照如下标准收取提前还款补偿金：</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{preRepay1}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">不收取提前还款补偿金，但放款日当天不能进行提前部分/全额还款。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{preRepay2}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人一次性支付补偿金人民币(大写)<u> {{preRepay2Amt}} </u>元整。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{preRepay3}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">其他：</span></span></span><u><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"> {{preRepay3Info}} </span></span></span></u><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第十一条 </span></span></span></b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同项下的担保措施，包括但不限于：</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="word-break:break-all"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{guaranty1}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">保证担保：由保证人<u> {{guaranty1Person}} </u>提供连带责任保证担保，合同编号为<u> {{guaranty1ContNo}} </u>；</span></span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{guaranty2}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">抵押担保：由抵押人<u> {{guaranty2Person}} </u>提供抵押担保，合同编号为<u> {{guaranty2ContNo}} </u>；</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{guaranty3}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">质押担保：由出质人<u> {{guaranty3Person}} </u>提供质押担保，合同编号为<u> {{guaranty3ContNo}} </u>；</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{guaranty4}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">其他担保方式：<u> {{guaranty4Method}} </u>,担保人为：<u> {{guaranty4Person}} </u>，合同编号为<u> {{guaranty4ContNo}} </u>;</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{guaranty5}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">无担保措施。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第十二条 </span></span></span></b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人</span></span></span><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{isInsurance}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">是/</span></span></span><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{noInsurance}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">否需要购买保险。需要购买保险的，应按照贷款人要求</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">在贷款人认可的保险公司购买符合贷款人要求的保险。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第十三条 </span></span></span></b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同</span></span></span><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{isNotarization}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">是/</span></span></span><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">{{noNotarization}}</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">否需要办理赋予强制执行效力的公证。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第十四条</span></span></span></b> <span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">其他</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">特别约定：<u> {{otherAgreements}} </u>。</span></span></span></span></span></span></span></p>
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<p align="left" style="text-align:left; margin:0cm 0cm 0.0001pt"> </p>
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<p align="center" style="margin-top:6.0pt; margin-right:0cm; margin-bottom:6.0pt; margin-left:0cm; text-align:center; margin:0cm 0cm 0.0001pt"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第二章 借贷条款</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第十五条 贷款用途</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">未经贷款人书面同意，借款人不得改变贷款用途。借款人不得将贷款用于无指定用途的个人支出，不得用于任何法律法规、监管规定、国家政策禁止银行贷款投入的项目、用途，包括但不限于股票、证券投资、房地产投资等。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第十六条 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"><span style="layout-grid-mode:line">贷款要素</span></span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"><span style="layout-grid-mode:line">本合同项下的贷款金额、利率、期限、支付方式、还款方式等，</span></span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">以</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">贷款人系统</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">所载的为准，双方另有约定的除外</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">。</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">贷款发放后，借款人可到贷款人营业厅上门查询也可登录借款人办理本业务的客户端或账户查询。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第十七条 贷款期限</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">17.1 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">在本合同约定的贷款期限内，借款人可分次提取贷款。分次提取贷款的具体贷款期限起始日、金额和期限等以贷款人系统所载的为准。但任何一次提取贷款的提款日不得超过本合同第五条约定的贷款期限届满日。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">17.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人不能按期归还本合同项下贷款，需要办理贷款展期时，应当向贷款人提出书面申请或</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">通过线上方式向贷款人提出申请</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">，说明展期原因并做出展期后的还款资金安排，贷款人经审查同意展期的，双方另行签订展期协议，贷款期限根据展期协议的约定相应延长。如贷款人不同意展期或未能签订展期协议的，双方仍按本合同的约定执行。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第十八条 利率</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">18.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">合同签订日或者贷款发放日的当天如果为当月贷款市场报价利率（LPR）公布日的，则以前一个工作日的贷款市场报价利率（LPR）为准。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"><strong>18.2</strong> </span></span></span><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同项下贷款利率采用单利计算方法</span></span></span></b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">。利率换算公式为：月利率＝年利率÷12；日利率＝年利率÷360。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">18.3 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同有效期内，如遇国家相关政策变化，贷款人有权随时根据其自主判断对贷款利率中利率调整幅度或利率调整方式等相关要素进行调整。贷款人在进行上述调整前，将提前一定合理时间通知借款人，通知将采用手机短信、网点公告、电子邮件或其他贷款人认为合理的方式之一进行。借款人对上述调整有异议的，可选择提前还款（因此提前还款的，借款人无需支付提前还款补偿金），否则，视为借款人同意接受上述调整。借款人预留在贷款人处的有效联系方式变更的，应及时通知贷款人。如因借款人未及时告知贷款人联系方式变更或因借款人其他原因、或其他客观原因造成贷款人通知、公告无法送达借款人的，由此产生的责任和风险由借款人自行承担。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">18.4 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">对应付未付的利息（含逾期罚息及挪用罚息），贷款人按中国人民银行的规定计收复利。应付未付利息包括贷款期内产生的应付未付利息和贷款逾期后产生的应付未付利息。贷款期内产生的应付未付利息，在贷款期内按本合同约定的贷款利率（以本合同第六条约定的贷款利率为准）计算复利，自贷款到期之日起，按罚息利率（以本合同第七条约定的罚息利率为准，下同）计算复利；贷款本金逾期后产生的应付未付利息，按罚息利率计算复利。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第十九条 贷款发放</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">19.1 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借</span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">款人需向贷款人申请办理相关提款手续。提款申请一经提交，借款人不得单方面撤回。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">19.2 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">以下条件之一未全部满足的，贷款人有权不发放本合同项下的贷款：</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（1）<span style="color:black">借款人根据贷款人要求提供真实、完整、合法、有效的申请材料及其他文件、资料、证件、单据，并办妥贷款申请、签约等手续；</span></span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（2）</span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人提款申请明确的支付方式符合本合同约定，且未采取化整为零的方式规避贷款人受托支付；</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（3）借款人已按照贷款人的要求，签妥相关声明、承诺函或其他法律文件；</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（4）<span style="color:black">借款人已按照贷款人的要求，办妥赋予强制执行效力的公证并将相应赋强公证书原件交由贷款人保管（如有）；</span></span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（5）担保人（如有）具有为本合同担保所需的资格、合法授权，并已将公司章程、公司机关决议等文件（如担保人为法人）或共有人同意担保的函件等文件提供给贷款人；</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（6）需办理抵押/质押登记手续、交付权利凭证或购买保险的，相应登记/交付/保险手续已办妥；</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（7）本合同约定的借款人还款账户已开立并维持正常可用状态；</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（8）借款人在贷款人及其他金融机构处不存在到期未清偿的债务；</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（9）借款人、担保人和担保物未出现影响借款安全的重大不利情形；</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（10）法律法规、国家信贷政策、监管政策等未对本合同一方履行本合同产生重大不利影响，也未禁止或限制本合同下贷款的发放；</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（11）法律法规或监管政策规定、借贷双方约定的其他条件。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">19.3 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">自本合同签订之日起6个月内，借款人未落实前款所约定的条件的，贷款人有权单方采取调减或取消本合同项下借款额度、对本合同项下贷款重新审批、缩短本合同约定的贷款期限、解除本合同等一项或多项措施。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">19.4 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"><span style="color:black">借款人同意本合同签署不代表贷款人必然承担放款义务。在本合同签订后、贷款发放前，贷款人有权根据法律法规和监管政策的变化、借款人资信情况变化、贷款人资金规模及成本等变化调整贷款要素，包括但不限于冻结借款人授信额度、停止发放贷款、解除本合同，且贷款人不承担任何违约责任。</span></span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第二十条 贷款资金支付</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">20.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">采用自主支付的，自主支付的放款账户为</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人在贷款人处开立的贷款发放/支付专用账户。该账户仅用于贷款资金的发放和对外支付，不得用于其他结算。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">20.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">采用自主支付的，贷款人有权要求</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人在贷款资金发放前向贷款人提供用款计划、用款交易资料，在贷款资金发放之后，借款人应当定期向贷款人汇总报告贷款资金支付和使用情况，且贷款人有权以分析账户、查验资金划转凭证或现场调查等方式核查贷款资金的支付和使用是否符合本合同约定，借款人应予以配合。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">20.3 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">采用受托支付的，在贷款资金发放前，借款人需向贷款人提交交易资料、凭证及贷款人要求的其他材料，向贷款人提出支付申请，并授权贷款人将贷款资金支付给借款人指定且符合本合同约定贷款用途的交易对手方。贷款人按照借款人提供的相关材料及收款账户信息，直接将本合同项下的贷款发放至借款人指定的收款账户。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">20.4 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">贷款实际发放至的账户与前述账户不一致的，以贷款人实际发放至的借款人账户或借款人指定的其他账户为准。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">20.5 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">贷款人按照上述约定划转贷款资金之日，即视为贷款已被借款人本人提取和使用，该日即为贷款人实际放款日并开始计算贷款利息。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">20.6 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">因不可抗力、通讯或网络故障或系统故障、</span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人账户及受托支付账户状态不正常等非贷款人</span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">原因导致未能按本合同约定发放贷款或办理支付的，贷款人不承担责任，但应及时通知借款人并采取补救措施。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">20.7 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人承诺：贷款人仅按照本合同的约定履行贷款发放、支付等义务，如借款人因逾期支付交易价款等原因构成对交易对手方违约或形成其他损失的，借款人自行承担相应损失和责任。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">20.8 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同项下贷款可由贷款人系统内的分支机构或网络业务系统办理，借款人通过上述方式办理的本合同项下贷款视同在贷款人处办理，且借款人及担保人对此均无异议。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">20.9 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同双方当事人一致确认，贷款人和具体发放贷款的贷款人分支机构内部生成的银行记账凭证及其他系统记录等是本合同项下贷款发放及本息偿还情况的有效证据。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">20.10 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同项下贷款分多笔发放的，每笔贷款均按照本合同有关放款条件等相关约定执行。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第二十一条 贷款归还</span></span></span></b></span></span></span></span></p>
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<p class="MsoPlainText" style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:宋体"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">21.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">等额本息：即借款人按月等额还本付息，每月应还本息按下列公式计算：</span></span></span></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"> <span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">贷款本金×月利率×(1＋月利率) </span></span></span><span style="font-size:9.0pt"><span style="line-height:150%"><span style="font-family:仿宋"><span style="position:relative"><span style="top:-5.0pt">还款月数</span></span></span></span></span></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">每月应还本息＝———————————————————————</span></span></span></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"> <span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">(1</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">＋月利率)</span></span></span><span style="font-size:9.0pt"><span style="line-height:150%"><span style="font-family:仿宋"><span style="position:relative"><span style="top:-5.0pt">还款月数</span></span></span></span></span> <span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">－1</span></span></span></span></span></span></span></p>
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<p class="MsoPlainText" style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:宋体"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">21.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">等额本金：即借款人按月归还等额本金及每月利息，每月应还本息按下列公式计算：</span></span></span></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"> <span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">贷款本金</span></span></span></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">每月应还本息＝ ——————— ＋(贷款本金－累计已还本金)×月利率</span></span></span></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"> <span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">还款月数</span></span></span></span></span></span></span></p>
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<p class="MsoPlainText" style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:宋体"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">21.3 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">到期一次还本付息：即借款人需在贷款到期日一次性归还贷款本金和利息，利随本清。</span></span></span></span></span></span></span></p>
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<p class="MsoPlainText" style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:宋体"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">21.4 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">按月/季结息，到期还清：即借款人应于</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">利息还款日</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">按月/季偿还贷款利息，并于贷款到期日偿还全部贷款本金并结清最后一期利息。末次</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">利息还款日</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">为贷款到期（含提前到期）日，末次扣款按日计息，扣收前一</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">利息还款日</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">至末次</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">利息还款日</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">的利息和贷款剩余本金。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">21.5 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">贷款人将按照借款人选择的还款方式生成还款计划表。借款人应当按照贷款人生成的还款计划表或还款通知（包括但不限于贷款人通过网上银行、手机银行或短信息通知借款人的还款周期、还款金额等，下同）偿还贷款本息及其他应付款项。本合同约定的还款日与还款计划表/还款通知不一致的，以后者为准。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">21.6 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人应最迟于还款日北京时间17:00前在还款账户中存入足以偿还当期借款本息及其他应付的款项，并不可撤销地授权贷款人<span style="letter-spacing:-.2pt">按照本合同约定的方式从还款账户中直接扣划资金用于还款</span></span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">。</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">在本合同约定的贷款期限内，借款人要求变更还款账户的，需经贷款人同意，并到贷款人处办理还款账户变更手续。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">21.7 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">除贷款人原因外，不论何种原因，贷款人无法从还款账户中直接扣划还贷资金、扣划还贷资金不成功、扣划的款项不足以偿还已到期债务的，借款人仍应当按本合同约定履行还款义务，因此造成贷款逾期的，由借款人承担全部违约责任和赔偿贷款人由此造成的全部损失。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">21.8 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">不论何种原因，在贷款人自还款账户未能直接扣划到足额款项偿还已到期全部债务的，贷款人有权从借款人开立在贷款人（含各个分支机构）处的任一账户中扣划款项，款项金额以已到期债务为限。就该等扣款，贷款人无需提前、事后通知借款人，因此造成的损失和责任由借款人承担。双方明确，贷款人从借款人其他账户中扣款，系贷款人的权利而非义务，如贷款人未行使该权利导致贷款逾期的，仍由借款人按本合同约定承担逾期还款的违约责任及其他责任。</span></span></span></b></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第二十二条 债务清偿顺序</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">22.1 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人在贷款人处有多笔到期（含贷款人宣布提前到期）债务或多期逾期债务，而借款人的还款资金（包括贷款人根据本合同约定从借款人的还款账户或其他账户直接扣划的资金）不足以清偿全部债务的，具体清偿哪一笔/期债务，由贷款人在操作还款时单方确定。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">22.2 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">贷款人单方确定具体清偿哪一笔、哪一期债务后，如借款人的还款资金（包括贷款人根据本合同约定从借款人的账户中扣划的资金）不足以偿还该笔/期债务的，由贷款人在操作还款时单方确定将还款资金用于清偿本金、利息、罚息、复利、违约金、实现债权的费用或其他应付款项（如因债务人未履行生效法律文书确定的义务而应当支付的延迟履行期间的债务利息）。贷款人在每一次操作还款时，可结合借款人财务状况、贷款逾期情况等单方确定每一次还款资金的清偿顺序，因此可能导致每一次还款资金的清偿顺序不一致，对此，借款人予以确认，因此产生的损失（包括但不限于利息和费用损失）和责任由借款人承担。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">22.3 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">贷款人通过其他方式取得的还款资金，包括但不限于通过司法程序、行使担保权利、行使债权人的代位权等方式收回的资金，均按照本条前述约定确定清偿顺序。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第二十三条 提前还款</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">23.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人可以申请提前归还全部或部分贷款，但应提前30日向贷款人提出书面申请或</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">通过线上方式向贷款人提出申请</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">并取得贷款人同意。对借款人提前还款的，贷款人对借款人提前还款前已计收的贷款利息不再调整，对提前归还的贷款本金，从前一还款日至提前还款日按日计收利息。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">23.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人提前归还部分贷款的，提前还款后的每月还款金额根据剩余贷款本金和剩余贷款期限重新确定，但贷款利率和还款方式不因提前还款而发生变化。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">23.3 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">如提前还款的同时经贷款人同意缩短贷款期限的，仍需按照本合同约定的贷款期限(而非缩短后的期限)确定适用的贷款市场报价利率（LPR）。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">23.4 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人申请提前偿还本合同项下贷款的，应当优先清偿完毕（含提前偿还）无担保信用借款（含本息及费用），待借款人在贷款人处所有无担保信用借款（包括已到期和未到期）清偿完毕后再提前归还本合同项下的担保借款。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第二十四条 借款人的权利</span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">和义务</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">24.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">有权按本合同约定提取或使用全部贷款。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">24.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">在取得贷款人事先书面同意后，有权向第三人转让债务。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">24.3 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">应如实提供贷款人要求提供的文件资料，以及所有开户行、账号及存贷款余额情况，并配合贷款人的调查、审查和检查。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">24.4 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">应接受贷款人对其使用信贷资金情况和有关个人财务情况的监督，自主支付情况下根据贷款人的要求定期向贷款人报告贷款资金支付情况。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">24.5 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"><span style="letter-spacing:-.1pt">应按本合同约定按时足额偿还贷款，并确保还款账户内有足额还款资金。</span></span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">24.6 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">若本合同项下借款以房屋作为抵押担保的，借款人承诺在知悉抵押房屋将被征收等信息时，应及时向贷款人履行告知义务。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">24.7 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">若本合同项下借款以房屋作为抵押担保的，且抵押房屋被征收或可能被征收的，借款人应积极与贷款人协商清偿债务或者重新提供贷款人认可的担保。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">24.8 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同订立后至终止前，借款人如发生对订立或履行本合同产生或可能产生不利影响的涉及借款人的任何司法程序、仲裁程序、行政处罚程序或其他争议，应在5日内通知贷款人。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">24.9 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">在本合同项下的贷款清偿完毕之前，除非事先经过<span style="letter-spacing:.1pt">贷款人</span>正式明确的书面同意，否则，借款人不得就其抵押给贷款人的财产（如有）进行转让、转移占有、赠与、出租、设立居住权、出借、承包、托管、设立其他担保、设立信托或以其他任何方式进行处置。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">24.10</span></span></span> <span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"><span style="color:black">应完整、真实、准确地按贷款人要求定期向贷款人报送对外担保情况，</span></span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"><span style="color:black">对外提供担保可能影响其还款能力的，需经贷款人书面同意。</span></span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">24.11 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">在本合同项下的贷款清偿完毕之前，借款人变更姓名、居住地址、联</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">系地址、邮政编码、移动电话、工作单位、婚姻状况或其他个人信息的，均须在相应信息变更后</span></span></span><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">5</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">日内书面通知<span style="letter-spacing:.1pt">贷款人</span>。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">24.12 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人账户发生挂失、被冻结、止付、销户或者其他非正常情况，或借款人需要变更借款人账户的，借款人应及时到<span style="letter-spacing:.1pt">贷款人处</span>办理账户变更手续，或前往贷款人柜台办理还款事宜。否则，因此产生逾期还款的违约责任或其他法律责任的，由借款人承担。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">24.13 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">在本合同项下的贷款清偿完毕之前，</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">保证人出现失业、搬迁、伤残、婚姻变动、工作变动、经营变动、死亡（宣告死亡）、丧失行为能力等情况，可能对保证人担保能力产生不利影响的，应在5日内通知贷款人。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第二十五条 贷款人的权利和义务</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">25.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">有权了解借款人的财务情况和资信状况，有权要求借款人提供与借款有关的资料，有权按照国家法律法规及监管政策的规定对贷款资金的支付进行管理和控制。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">25.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">有权通过账户分析、凭证查验或现场调查等方式监督或检查借款人是否按本合同约定用途使用贷款。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">25.3 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人未能履行合同规定的各项义务或违背承诺与保证或发生可能严重影响借款人偿债能力的重大不利事项的，贷款人有权按照本合同第三十二条的约定采取一种或多种措施。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="tab-stops:318.95pt"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">25.4 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">在借款人出现失业、搬迁、伤残、婚姻变动、工作变动、经营变动、死亡（宣告死亡）、丧失行为能力等情况且贷款人依自主判断认为影响借款人还款能力的，贷款人有权采取以下一种或多种措施：宣布贷款全部提前到期，要求借款人清偿本合同项下全部贷款，直接要求担保人承担担保责任，将本合同项下所有债务落实到贷款人同意接受的受让人名下，提供贷款人同意接受的担保措施。</span></span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">25.5 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同约定的各项放款条件未完全满足前，贷款人有权不发放贷款。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">25.6 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">有权通过外包催收（即由贷款人聘请第三方机构通过诉讼、非诉讼程序收回贷款，下同）的方式对借款人进行催收。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">25.7 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">有权按照反洗钱法律法规、监管政策及贷款人内部制度的相关要求，履行反洗钱和反恐怖融资义务，落实客户身份识别、身份资料和交易记录保存，对大额和可疑交易进行识别和报送。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">25.8 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">法律法规、监管政策规定的贷款人享有的其他权利。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">25.9 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">在本合同约定的放款条件全部成就的情况下，有义务按合同约定向借款人发放贷款。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">25.10 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">应对借款人的债务、财务等情况保密，但法律法规、监管政策另有规定、司法部门或监管机构依法要求披露、本合同另有约定、借款人已授权或贷款人为实现债权而采取内部催收、外包催收等合理行为除外。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第二十六条 借款人的承诺与保证</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">26.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人具有订立和履行本合同的资格和能力，其订立和履行本合同不违反任何法律法规和对其有约束力的行政命令、生效的司法裁判／仲裁裁决，不违反任何对其有约束力的合同、协议或承诺，不侵犯任何第三方的合法权益，本合同对借款人具有法律约束力并可依法强制执行。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">26.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人具有有效身份证明、固定住址且具有正当职业和稳定的经济收入，信用良好，具有充足且合法的还款来源，偿债能力充足。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">26.3 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人在本合同下的债务以其个人财产和夫妻共同财产以及其他家庭财产承担清偿责任，对此，借款人已获得其配偶和其他家庭成员(如有)的同意。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">26.4 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人按本合同约定用途使用贷款，保证不利用本合同项下贷款从事赌博等违反国家法律法规的非法活动，不用于投资股票、期货、债券、房地产投资等国家监管部门禁止银行贷款进入的领域，且不用于注册企业和投资入股等股本权益性投资。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">26.5 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人承诺完全了解、同意并接受有关担保文件的条款及内容，保证基于有关担保文件而提供给贷款人的所有担保合法有效且可依法强制执行，保证将担保文件下的抵押率和质押率维持在担保文件约定范围(如有)内，保证及时缴纳与担保物有关的各项税费、保险费以维持担保物的合法持续存在且不发生价值贬损；一旦借款人得知担保人或担保物出现任何违反担保文件约定的情形或知悉担保物本身存在瑕疵、将被征收、发生所有权转移、毁损、灭失、价值减少等信息，借款人保证毫不迟延地通知贷款人，并按照贷款人的要求提前清偿债务或提供其他符合贷款人要求的担保。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">26.6 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人配偶知悉借款人在本合同项下的贷款及担保事宜，借款人配偶承诺就本合同项下的一切债务承担连带还款责任。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">26.7 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人承诺并保证：不违反国家反商业贿赂、反不正当竞争的相关法律法规、监管规定，不为获得贷款直接或间接向贷款人员工及其家属或其关联方给付或承诺给付任何报酬、礼物以及其他有价值的物品或利益。违反本条约定的，贷款人一经发现有权采取以下一种或多种措施：立即解除合同、宣布本合同项下贷款提前到期、提前收回已发放的部分直至全部贷款、支付违约金、赔偿损失等。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">26.8 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人因向贷款人申请贷款而在贷款人与本业务相关的客户端上注册后，应当妥善保管个人账号、密码以及其他注册及交易信息，凡使用借款人账号密码进行的交易均视为借款人本人所为，借款人应承担因账号密码保管不善（包括但不限于被盗用等）造成的风险损失。借款人应确保在安全的信息网络环境下进行交易，对于非贷款人原因导致的信息网络交易风险和损失，借款人应自行承担责任。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">26.9 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">如借款人发现有他人冒用或盗用借款人的账号、密码或其他任何未经合法授权之情形时，应立即以有效方式通知贷款人，并提供相关证明材料。同时，借款人理解贷款人对借款人请求采取行动需要合理期限，在此之前，贷款人对已经执行的操作及因此导致的借款人损失不承担任何责任。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第二十七条 保险事项</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">27.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">经双方协商，本合同项下保险期应当连续，总有效期不得短于本合同贷款期限。在债务清偿之前，借款人不得中断或撤销保险。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">27.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">保险合同中应明确约定贷款人为保险赔偿第一顺位保险金请求权人，并由贷款人保管保险单正本。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">27.3 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人未能投保或续保的，贷款人有权自行投保、续保，代为缴付保费或采取其他保险维持措施。借款人应提供必要协助，贷款人由此支付的一切费用由借款人承担。</span></span></span></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"> </p>
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<p align="center" style="margin-top:6.0pt; margin-right:0cm; margin-bottom:6.0pt; margin-left:0cm; text-align:center; margin:0cm 0cm 0.0001pt"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第三章 担保条款</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第二十八条</span></span></span></b> <span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">具体担保要素，以担保人与贷款人另行签订的担保合同及其他合同约定为准。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第二十九条</span></span></span></b> <span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同履行过程中，如果担保人发生了贷款人认为足以影响担保人的担保能力的事项时，自贷款人书面要求借款人重新提供令贷款人满意的担保文件送达借款人之日起30日内，借款人应当向贷款人重新提供令贷款人满意的担保，否则，贷款人有权解除本合同，宣布贷款提前到期。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"> </p>
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<p align="center" style="margin-top:6.0pt; margin-right:0cm; margin-bottom:6.0pt; margin-left:0cm; text-align:center; margin:0cm 0cm 0.0001pt"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第四章 其他条款</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第三十条 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">费用承担</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">30.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">因签署、履行本合同，可能产生如下费用。该等费用的承担按照下述约定执行：</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（1）见证费、公证费及其他第三方服务费用。本合同涉及办理见证、公证或其他委托第三方提供服务的事项，相关费用由借款人承担，双方另有约定的除外。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（2）相关法律法规、监管政策对各类费用的承担有明确规定的，严格按照</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">相关法律法规、监管政策的规定办理。</span></span></span></span></span></span></span></p>
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<p class="MsoBodyTextFirstIndent" style="margin: 0cm 0cm 6pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">30.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">如借款人未按期归还本合同项下贷款，贷款人为实现债权而支付的律师费、诉讼费、仲裁费、执行费、公证费、公告费、送达费、差旅费等所有费用，均由借款人全数承担。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第三十一条 违约情形</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">31.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人出现下列情形之一的，即视为已发生违约行为：</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">31.1.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人申请贷款或申请提款的文件信息或借款人提供的其他重要陈述或资料信息被证明为不真实、不准确、不完整、不合法或无效，或者存在虚假、欺诈、重大遗漏、重大隐瞒或重大误导的。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">31.1.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">未按本合同约定用途使用贷款，或不接受、逃避贷款人对其财务状况、使用信贷资金情况进行监督的。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">31.1.3 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">未按本合同约定按时足额偿还贷款的。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">31.1.4 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">擅自将本合同项下债务转让给第三人或与第三人签订有损贷款人权益的合同/协议的。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">31.1.5 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人有怠于管理和追索其到期债权，或以无偿及其他不适当方式处分现有主要财产等转移财产或其他影响债务人偿债能力的行为。</span></span></span></span></span></span></span></p>
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<p class="MsoBodyTextFirstIndent" style="margin: 0cm 0cm 6pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">31.1.6 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人未及时全面履行本合同约定的任一项义务，或违反其在本合同作出的任何承诺与保证、声明的。</span></span></span></span></span></span><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-family:仿宋">。 </span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">31.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人出现下列情形之一的，即视为已发生违约事件：</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">31.2.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">发生伤残、失业、搬迁、婚姻变动、工作变动、经营变动等任何改变，且贷款人依其自主判断认为可能危及本合同项下债权实现行为的。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">31.2.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人发生死亡、宣告死亡、失踪、宣告失踪、或者成为限制民事行为能力人或无民事行为能力人等情形后无继承人、受遗赠人、财产监（代）管人或监护人，或其继承人、受遗赠人、财产监（代）管人或监护人拒绝履行本合同的。</span></span></span></span></span></span></span></p>
|
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">31.2.3 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人被依法追究刑事责任或被依法受到其他强制措施或被有关机关采取了冻结财产等限制权利的措施，影响其履行本合同义务的。</span></span></span></span></span></span></span></p>
|
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">31.2.4 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人的经常居住地发生变化，或办理出境手续或离开中国大陆，贷款人认为不利于本合同履行的。</span></span></span></span></span></span></span></p>
|
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">31.2.5 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人发生涉及婚姻、赡养、扶养、抚养等人身关系变化或共有财产分割的纠纷或事件，贷款人认为可能对其偿债能力产生不利影响的。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">31.2.6 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人的任何其他贷款、担保、赔偿、承诺或其他偿债责任到期未履行，或已进入诉讼／仲裁／强制执行程序，或其财务状况发生重大不利变化，或产生不良信用记录，或涉及对其偿债能力或对本合同的履行产生或可能产生重大不利影响的纠纷或行政处罚等的。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">31.2.7 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同履行过程中，借款人发生任何事件违反其在本合同作出的任何承诺与保证、声明的。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">31.3 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同项下债权的抵押人、质押人、保证人及/或其他担保主体存在违反上述任一约定或担保合同任一约定的，视为构成借款人在本合同项下的违约情形。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第三十二条 违约处理</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">一旦发生本合同第三十一条约定的任何一种违约情形时，贷款人有权采取以下一种或多种措施：</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">32.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">停止发放借款人尚未提用的贷款。对借款人已提用但尚未使用的贷款，停止办理支付。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">32.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">宣布已发放贷款全部或部分提前到期，收回已发放的贷款。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">32.3 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">要求借款人或担保人限期纠正其违法行为。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">32.4 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">要求借款人提供经贷款人认可的其他担保。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">32.5 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">直接扣收借款人、保证人（如有）在湖南三湘银行系统内开立的结算账户和/或其他账户上的款项（包括定活期账户和本外币存款），以清偿借款人的全部债务。如所扣划账户中币种与借款币种不一致的，有权按照贷款人扣划当日所公布的汇率自行换算后扣划，相关风险和损失由借款人承担。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">32.6 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人未按照合同约定日期归还贷款的，贷款人有权按照本合同约定的逾期罚息利率计收罚息、复利；对于借款人未按合同约定用途使用贷款的，贷款人有权按合同约定的挪用罚息利率计收罚息。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">32.7 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">要求共同还款人（如有）、保证人（如有）或其相应的权利义务继受人在规定的期限内清偿借款人在本合同项下所欠的全部债务。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">32.8 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">要求借款人赔偿因其违约而给贷款人造成的损失，包括实现债权的费用。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">32.9 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">依照法律规定、本合同、担保合同约定实现担保物权（包括但不限于与担保人协商或自行拍卖、变卖担保物，通过司法程序实现担保物权等），并对所得价款优先受偿。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">32.10 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">不经通知借款人，直接向司法机关提起诉讼、申请仲裁或申请强制执行。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">32.11 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">贷款人认为有必要的其他措施。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第三十三条 债权转让</span></span></span></b></span></span></span></span></p>
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<p class="MsoBodyText" style="margin: 0cm 0cm 6pt;"><span style="font-size:10.5pt"><strong><span style="line-height:150%"><span style="font-family:宋体"><span style="color:black"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">33.1 </span></span></span></span></span></span></strong><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">贷款人无需征得借款人的同意，即可将贷款人在本合同项下的债权（包括但不限于各类从权利，下同）转让给他人，并有权采取其认为适当的方式，包括但不限于传真、电子邮件、邮寄、专人送达、在公众媒体上公告等方式之一通知借款人债权转让事宜。</span></span></span></b></span></span></span></p>
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<p class="MsoBodyText" style="margin: 0cm 0cm 6pt;"><span style="line-height: 150%;"><span style="font-family: 宋体;"><span lang="EN-US" style=""><span style="line-height: 150%;"><span style="font-family: 仿宋;"><font color="#000000"><span style="font-size: 12pt;">33.2</span></font><span style="font-size: 14px;"> </span></span></span></span></span></span><span style="font-size: 10.5pt; line-height: 150%;"><span style="font-family:宋体"><span style="color:black"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">贷款人转让债权的，本合同项下债权的从权利一同转让，贷款人与债权受让人无需另行征得借款人的同意。如受让人需要办理担保变更手续的，担保人应当配合受让人办理。</span></span></span></span></span></span></p>
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<p class="MsoBodyText" style="margin:0cm 0cm 6pt; text-align:justify"><span style="font-size:10.5pt"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第三十四条 权利保留</span></span></span></b></span></span></span></p>
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<p class="MsoBodyText" style="margin: 0cm 0cm 6pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="font-family:宋体"><span style="color:black"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">34.1</span></span></span></span></span></span></span><span style="line-height:150%"><span style="font-family:宋体"><span style="line-height:150%"><span style="font-family:仿宋"><font color="#000000"> </font></span></span></span></span><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">一方若未行使本合同项下部分或全部权利，或未要求另一方履行、承担部分或全部义务、责任，并不构成该方对该权利的放弃或对该义务、责任的豁免。</span></span></span></span></p>
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<p class="MsoBodyText" style="margin: 0cm 0cm 6pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="font-family:宋体"><span style="color:black"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">34.2</span></span></span></span></span></span></span><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-family:仿宋"> </span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">一方对另一方的任何宽容、展期或者延缓行使本合同项下的权利，均不影响其根据本合同及法律、法规而享有的任何权利，亦不视为其对该权利的放弃。</span></span></span></span></p>
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<p class="MsoBodyText" style="margin: 0cm 0cm 6pt;"><span style="font-size:10.5pt"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第三十五条 征信及其他个人信息处理授权</span></span></span></b></span></span></span></p>
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<p class="MsoBodyText" style="margin: 0cm 0cm 6pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="font-family:宋体"><span style="color:black"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">35.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人在此不可撤销地同意，在借款人清偿完毕本合同项下全部债务之前，贷款人有权向中国人民银行及信贷征信主管部门批准建立的信用信息基础数据库或有关单位、部门、个人查询借款人的信用状况。</span></span></span></span></span></span></span></p>
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<p class="MsoBodyTextIndent2" style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="font-family:宋体"><span style="color:black"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">35.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人在此不可撤销地同意并授权贷款人按照法律法规、金融监管机构、征信机构的要求，将借款人信用信息、有关本合同的信息、借款人提供给贷款人的企业/个人信息及其他信息，录入中国人民银行个人信用信息基础数据库、中国人民银行企业信用信息基础数据库以及其他经政府有权部门批准合法设立的信息库。</span></span></span></span></span></span></span></p>
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<p class="MsoBodyTextIndent2" style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="font-family:宋体"><span style="color:black"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">35.3 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">当借款人发生本合同下的任一违约情形时，贷款人有权根据违约情况酌情决定公开，并向上述信用信息基础数据库及其他依法成立的征信机构报送违约信息，并为催收欠款之目的将有关信息提供给催收机构、律所、司法机关，公开或对外提供的信息包括但不限于借款人的姓名、身份证号码、工作单位、住所地等个人信息及违约信息，借款人对此予以认可，相应法律后果由借款人自行承担。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">35.4 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人另行向贷款人出具相关授权的，按照相关授权执行。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第三十六条 保密条款</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">36.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">合同双方应就本合同的内容以及因订立或履行本合同而知悉的其他方的商业秘密及所有信息承担保密义务，但依照法律法规规定、行政/司法等有权机关命令、一方股票或债券上市交易所的要求、通过司法程序实现合同项下权益而适当披露的，不构成对保密义务的违反,但同时相关披露应以有限、必要为原则。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">36.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">任何一方违反保密义务，应当对由此给对方造成的损失承担赔偿责任。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">36.3 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">双方在本合同项下的保密义务是永久的，不因本合同未生效、被认定无效、撤销、解除、终止、到期等而失效。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第三十七条 反商业贿赂条款</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">合同双方均知晓并严格遵守中华人民共和国反商业贿赂的法律法规、监管规定。任何一方均不得向对方或对方经办人或其他相关人员索要、收受、提供、给予合同约定外的任何利益,包括但不限于明扣、暗扣、现金、购物卡、实物、有价证券、旅游或其他物质性/非物质性利益等。一经发现任何一方有上述行为的，即视为违约，另一方有权提前解除合同并追究违约方的违约责任。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第三十八条 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">送达条款</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="text-autospace:none"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">38.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">合同双方在本合同项下有关事项的通知、协议等文件以及就合同发生纠纷时相关法律文书及其他文件送达，均应以书面形式按本合同首页列明的住所地、邮箱地址作为送达地址。该等送达地址的适用范围包括合同履行全过程及进入诉讼程序后的一审、二审、再审和仲裁、执行程序。</span></span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="text-autospace:none"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">38.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人在此不可撤销地同意贷款人、人民法院或其他有权机关可通过传真、电话、短信、微信、电子邮件、中国审判流程表信息公开网、全国统一送达平台、长沙市中级人民法院“闪信+”送达平台等方式（以下简称“电子方式”）向本条第1款约定的送达地址送达判决书、裁决书、裁定书、调解书等各类法律文书和本合同约定的各类通知。</span></span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="text-autospace:none"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">38.3 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">人民法院、仲裁机关等单位及贷款人通过电子方式送达的，不再进行纸质文书送达，借款人认可电子文书与纸质文书具有相同法律效力。</span></span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="text-autospace:none"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">38.4 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">任何一方、人民法院及其他有权机关按照本合同约定发送通知、法律文书或其他文件的，按如下规则确定送达日期：</span></span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="text-autospace:none"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（1）采用亲自或委托递交的，以被通知方或其收件代理人签收之日为送达日期；</span></span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="text-autospace:none"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（2）采用邮政特快专递、同城(包括市区与郊区)挂号邮件或其他邮寄方式进行邮递的，以邮件寄出之日后的第5日为送达日期；</span></span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="text-autospace:none"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（3）以电子形式发出的，以发出之日之次日为送达日期。</span></span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="text-autospace:none"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">38.5 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">依照前款约定的规则确定的送达日期与被通知方实际收到的日期或正式签收日期不一致时，以其中较早的日期作为送达日期。</span></span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="text-autospace:none"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">38.6 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">特别地，双方一致确认，提前还款申请书等贷款人要求借款人面递的文件应由借款人亲自或委派专人直接面交贷款人营业柜台。</span></span></span></b></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="text-autospace:none"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">38.7 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">任何一方、人民法院及其他有权机关依据本合同约定的有效送达地址发出的通知、法律文书或其他文件，无论是否为被通知方实际收到，均按照上述规则确定送达日期，借款人均予认可，不持异议。</span></span></span></b></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="text-autospace:none"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">38.8 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人送达地址发生变更的，应最迟于变更后5日内书面通知贷款人。否则，按照本条第1款确定的送达地址仍视为有效送达地址。</span></span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第三十九条 争议解决条款</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同履行过程中发生任何纠纷的，双方应协商解决，协商不成的，应当向贷款人住所地有管辖权的人民法院提起诉讼。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">特别地，在贷款人将本合同项下的债权全部或部分转让给第三人的情况下，前款中的“贷款人住所地”自动变更为第三人住所地；债权转让时，贷款人已经对借款人提起诉讼或申请强制执行的除外。</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第四十条</span></span></span></b> <b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">法律适用</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同适用中华人民共和国法律法规、监管规定，双方当事人的权益受中华人民共和国法律保障。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第四十一条 合同形式和效力</span></span></span></b></span></span></span></span></p>
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<p class="MsoBodyText" style="margin: 0cm 0cm 6pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">41.1</span></span></span><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"> </span></span></span></b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同以数据电文形式订立，双方均认同其法律效力。借款人通过贷款人与本业务相关的客户端签署本电子合同，构成借款人的真实意思表示，对借款人具有法律约束力。</span></span></span></span></span></span></span></p>
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<p class="MsoBodyText" style="margin: 0cm 0cm 6pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">41.2 </span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人通过贷款人与本业务相关的客户端勾选“同意”、“确定”、“借款”或点击贷款人客户端显示的其他按键，即表示借款人已阅读并无条件接受本合同项下全部条款的约束。贷款人不对本合同进行电子签名，不影响本合同的法律效力。</span></span></span></b></span></span></span></span></p>
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<p class="MsoBodyText" style="margin: 0cm 0cm 6pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">41.3 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人通过贷款人与本业务相关的客户端完成前款约定事项后，并不导致本合同立即生效。本合同还需经过贷款人审核通过并将贷款资金划入借款人收款账户，方在借款人和贷款人之间成立并生效。否则，并不对贷款人产生法律约束力。</span></span></span></b></span></span></span></span></p>
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<p class="MsoBodyText" style="margin: 0cm 0cm 6pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">41.4</span></span></span><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span lang="EN-US" style="font-family:仿宋"> </span></b></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同不论因何种原因在法律上成为无效或部分条款无效、未成立、不生效、被撤销、解除的，只要贷款人已向借款人实际发放了贷款，且借款人尚未全额清偿完毕全部债务，贷款人即对借款人享有本合同项下的权利，有权要求借款人按照本合同的约定承担债务清偿责任。</span></span></span></b></span></span></span></span></p>
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<p class="MsoBodyText" style="margin: 0cm 0cm 6pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">41.5</span></span></span><b><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"> </span></span></span></b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同项下的债务未清偿完毕前，如遇法律法规、国家或监管政策变化，致使本合同的部分或全部条款不符合法律法规、国家或监管政策要求且国家或监管有关部门要求按新实施的法律法规、国家或监管政策执行的，贷款人可按新实施的法律法规、国家或监管政策执行相关事项，且不承担任何责任。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第四十二条 </span></span></span></b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋"> <b>释义</b></span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">如本合同无特别说明，下列用词在本合同中的含义如下：</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">42.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">“贷款”、“债务”，指本合同项下的贷款本金、利息、罚息、复利、违约金、损害赔偿金、实现债权的费用及其他款项（如延迟履行期间的债务利息）。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">42.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">“实现债权的费用”，指贷款人为实现债权及担保权利而发生的律师费、诉讼费、仲裁费、执行费、公证费、公告费、送达费、差旅费等各类费用。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">42.3 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">贷款“到期”，包括但不限于：（1）本合同约定的正常到期；（2）本合同约定的每次分期还款日到期；（3）贷款人宣布提前到期；（4）贷款因本合同解除而到期；（5）贷款展期或以其他形式延长期限后的到期。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">42.4 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">“身份证明种类”，如本合同未作特别说明，均指中华人民共和国身份证。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">42.5 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">“共同还款人”，指与借款人共同连带偿还本合同项下全部债务的主体，其在本合同项下的法律地位等同于借款人。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">42.6 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">“贷款人系统”，指贷款人为经营网络贷款业务开设、运营的电子系统。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">42.7 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">“贷款人</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">与本业务相关的客户端</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">”，指贷款人为经营网络贷款业务开设</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">的手机银行、网上银行、微信、其他客户端或系统。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">第四十三条</span></span></span></b> <b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">附则</span></span></span></b></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">43.1 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同正文及全部附件均为双方真实意思表示，具有同等法律效力。如无特别说明，“本合同”系指本合同正文及全部附件。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">43.2 </span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本合同未尽事宜，由双方协商一致订立补充协议。补充协议与本合同约定不一致的，以补充协议的约定为准；补充协议未约定的，仍按照本合同的约定执行。</span></span></span></span></span></span></span></p>
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<p style="margin: 0cm 0cm 0.0001pt;"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="tab-stops:234.0pt"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（以下无正文）</span></span></span></span></span></span></span></span></p>
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<p> </p>
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<div style="page-break-after: always"><span style="display: none;"> </span></div>
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<p align="left" style="text-align:left; margin:0cm 0cm 0.0001pt"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="tab-stops:234.0pt"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（本页无正文，为编号<u> {{contNo}} </u>《个人借款合同（适用于个人消费性/经营性贷款）》的签署页）</span></span></span></b></span></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"> </p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"> </p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"> </p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"> </p>
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<p align="left" style="text-align:left; margin:0cm 0cm 0.0001pt"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="tab-stops:234.0pt"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">贷款人（盖章）</span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">：</span></span></span></b></span></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">法定代表人或授权代表（签章）：</span></span></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"> </p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"> </p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人（签名）</span></span></span></b><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">：{{custName}}</span></span></span></b></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"> </p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"> </p>
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<p class="a9" style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">共同还款人（如有）（签名/盖章）：</span></span></span></b></span></span></span></p>
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<p class="a9" style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">身份证件类型及编号：</span></span></span></span></span></span></p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"> </p>
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<p style="margin:0cm 0cm 0.0001pt; text-align:justify"> </p>
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<p class="a9" style="margin:0cm 0cm 0.0001pt; text-align:justify"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">签署日期：</span></span></span></span></span></span><u><span style="font-size:12.0pt"><span style="font-family:仿宋"> {{signYear}} </span></span></u><span style="font-size:12.0pt"><span style="font-family:仿宋">年<u> {{signMonth}} </u>月<u> {{signDay}} </u>日</span></span></p>
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<p align="left" style="text-align:left; margin:0cm 0cm 0.0001pt"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">签署地点：{{signAddr}}</span></span></span></span></span></span></span><br clear="all" style="page-break-before:always" />
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</p>
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<div style="page-break-after: always"><span style="display: none;"> </span></div>
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<p align="left" style="text-align:left; margin:0cm 0cm 0.0001pt"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">附件:借款人配偶的声明（借款人有配偶的情形适用）</span></span></span></b></span></span></span></span></p>
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<p class="CxSpMiddle" style="margin:3.75pt 0cm"> </p>
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<p class="CxSpMiddle" style="margin:3.75pt 0cm"><span style="font-size:12pt"><span style="font-family:宋体"><b><span style="font-size:12.0pt"><span style="font-family:仿宋">【重要提示】您通过手机银行、网上银行、微信或其他贷款人与本业务相关的客户端等电子渠道，勾选“同意”、“确定”、“借款”或点击贷款人客户端显示的其他按键，即表示您已阅读并无条件接受本声明全部条款的约束。</span></span></b></span></span></p>
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<p class="CxSpMiddle" style="margin:3.75pt 0cm"> </p>
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<p class="CxSpMiddle" style="margin:3.75pt 0cm"><span style="font-size:12pt"><span style="line-height:150%"><span style="font-family:宋体"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">湖南三湘银行股份有限公司：</span></span></span></span></span></span></p>
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<p class="CxSpMiddle" style="margin:3.75pt 0cm"><span style="font-size:12pt"><span style="line-height:150%"><span style="font-family:宋体"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本人系本合同项下借款人<u> \ </u>的合法配偶，借款人已将本合同项下的借贷事宜告知本人，本人已全文阅读本合同正文全部内容，完全知晓借款人作出的全部承诺与声明，同意借款人向贵行借款并按照本合同约定履行各项义务、承担各项责任。</span></span></span></span></span></span></p>
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<p class="CxSpMiddle" style="margin:3.75pt 0cm"><span style="font-size:12pt"><span style="line-height:150%"><span style="font-family:宋体"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">为此，本人郑重承诺如下：</span></span></span></span></span></span></p>
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<p class="CxSpMiddle" style="margin:3.75pt 0cm"><span style="font-size:12pt"><span style="line-height:150%"><span style="font-family:宋体"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">1.</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人在本合同项下的债务，本人完全知悉并确认该债务系基于借款人与本人的共同意思表示，为夫妻共同债务，本人同意与借款人连带清偿本合同项下的全部债务；</span></span></span></span></span></span></p>
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<p class="CxSpMiddle" style="margin:3.75pt 0cm"><span style="font-size:12pt"><span style="line-height:150%"><span style="font-family:宋体"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">2.</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">贵行有权对借款人及本人的全部共同财产、家庭财产采取拍卖、变卖等处置措施，并将处置所得价款全部用于实现贵行在本合同项下的债权；</span></span></span></span></span></span></p>
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<p class="CxSpMiddle" style="margin:3.75pt 0cm"><span style="font-size:12pt"><span style="line-height:150%"><span style="font-family:宋体"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">3.</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">本人与借款人在婚姻存续期间取得的各类财产均属夫妻共同财产，本人与借款人之间不存在任何对婚姻关系存续期间所得财产归各自所有的约定；</span></span></span></span></span></span></p>
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<p class="CxSpMiddle" style="margin:3.75pt 0cm"><span style="font-size:12pt"><span style="line-height:150%"><span style="font-family:宋体"><span lang="EN-US" style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">4.</span></span></span><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">无论贵行通过司法程序还是自行拍卖、变卖借款人及本人名下的各类财产，本人均予以积极配合。</span></span></span></span></span></span></p>
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<p class="CxSpMiddle" style="margin:3.75pt 0cm"><span style="font-size:12pt"><span style="line-height:150%"><span style="font-family:宋体"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">上述声明系本人真实意思表示，自本人作出之日起生效，直至借款人在本合同项下的全部债务清偿完毕之日自动失效。</span></span></span></span></span></span></p>
|
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<p class="CxSpMiddle" style="margin:3.75pt 0cm"><span style="font-size:12pt"><span style="line-height:150%"><span style="font-family:宋体"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">（以下无正文）</span></span></span></span></span></span></p>
|
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<p class="CxSpMiddle" style="margin:3.75pt 0cm"> </p>
|
||
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<p class="CxSpMiddle" style="margin:3.75pt 0cm"><span style="font-size:12pt"><span style="line-height:150%"><span style="font-family:宋体"><b><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">借款人配偶（签名）：</span></span></span></b></span></span></span></p>
|
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<p class="CxSpMiddle" style="margin:3.75pt 0cm"> </p>
|
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<p class="CxSpMiddle" style="margin:3.75pt 0cm"><span style="font-size:12pt"><span style="line-height:150%"><span style="font-family:宋体"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">身份证号码：</span></span></span></span></span></span></p>
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<p class="CxSpMiddle" style="margin:3.75pt 0cm"> </p>
|
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<p class="CxSpMiddle" style="margin:3.75pt 0cm"><span style="font-size:12pt"><span style="line-height:150%"><span style="font-family:宋体"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">签署日期：</span></span></span></span></span></span><u><span lang="EN-US" style="font-size:12.0pt"><span style="font-family:仿宋"> \ </span></span></u><span style="font-size:12pt"><span style="font-family:仿宋">年<u> \ </u>月<u> \ </u>日</span></span></p>
|
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<p align="left" style="text-align:left; margin:0cm 0cm 0.0001pt"><span style="font-size:10.5pt"><span style="line-height:150%"><span style="layout-grid-mode:char"><span style="font-family:"Times New Roman",serif"><span style="font-size:12.0pt"><span style="line-height:150%"><span style="font-family:仿宋">签署地点：</span></span></span></span></span></span></span></p>
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