交通银行外汇商品房抵押贷款合同

h1交通银行外汇商品房抵押贷款合同h1pnbsppp　　暂行pp　　贷款人抵押权人nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsp　　分行nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsppp　　法定地址　　　nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsp　　　　电话nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsppp　　法定代表nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsp　　　　　　　电话nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsppp　　借款人抵押人nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsp　　　　电话nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsppp　　住址　　　nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsp　　pp　　本人有效身份证编号nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspppnbsppp　　借款人为购买　nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsp　以下称房产商的　nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsp　以下称房产向贷款人申请贷款根据《中华人民共和国民法典》《中华人民共和国经济合同法》以及交通银行有关业务办法的规定经双方协商同意订立以下条款共同遵守ppnbsppp　　第一条　贷款币种金额和期限ppnbsppp　　11　贷款币种nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspppnbsppp　　12　贷款最高额为　nbspnbspnbspnbspnbspnbsp　元大写nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsp元整ppnbsppp　　13　贷款期限nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspppnbsppp　　贷款期限为　　nbspnbspnbspnbspnbsp年自nbspnbspnbspnbspnbspnbsp年　　月　　日至nbspnbspnbspnbspnbspnbsp年　　月　　日止分　　期等额归还ppnbsppp　　第二条　利率和利息的计算ppnbsppp　　21　贷款利率为伦敦银行同业拆放利率加　nbsp　个百分点ＬＩＢＯＲ＋　％每期计息日的　　的LIBOR为　nbsp　贷款利率的LIBOR但每笔放款的第一个计息期的LIBOR为该贷款发放日的LIBORLIBOR采用nbspnbspnbspnbsp　　个月浮动ppnbsppp　　22　贷款利息以贷款的实际发放天数计收以360天为一年ppnbsppp　　23　结息方式ppnbsppp　　第三条　贷款条件ppnbsppp　　31　借款人必须向贷款人提供下列资料ppnbsppp　　ａ．《房产抵押贷款申请书》和《贷款申请人资料》pp　　ｂ．与房产商签订《预购房屋合同正本》或《购房契约》pp　　ｃ．房产商出具的购房预付款的凭证ppnbsppp　　32　借款人到贷款人指定银行开立购房专户今后有关购房费用均通过该帐户结算ppnbsppp　　第四条　提款ppnbsppp　　借款人不可撤销地授权贷款人根据预购房合同规定当贷款人收到房产商付款通知书后主动将贷款划入房产商在贷款人处开立的帐户并借记借款人帐户向借款人发出付款通知书ppnbsppp　　第五条　还款ppnbsppp　　51　借款人应遵照本合同13条款规定按时偿还ppnbsppp　　52　每次还款日前十五天之内借款人应将本期归还的贷款和支付的利率存入购房专户由贷款人在还款到期日主动在购房专户中扣除其款项无须事先通知借款人ppnbsppp　　第六条　提前还款ppnbsppp　　61　借款人如果提前偿还部分或全部贷款必须在三十天前书面通知贷款人ppnbsppp　　62　提前还款只限于还款期序的倒序进行而不能抵冲即将到期的贷款或下期的还款ppnbsppp　　63　借款人提前还款应向贷款人支付提前还款金额的０．５％至１％补偿金ppnbsppp　　ａ．借款人在贷款不足一年含一年内提前还款应向贷款人缴付提前还款金额的百分之一补偿金pp　　ｂ．借款人在获得超过一年后提前还款应向贷款人缴付提前还款金额０．５％的补偿金ppnbsppp　　第七条　手续费及其他费用ppnbsppp　　71　手续费贷款合同签订后借款人应在本合同签订后　　日之内向贷款人支付贷款金额的　　％手续费ppnbsppp　　72　在购房与贷款过程中所涉及的契税保险法律手续抵押登记抵押物的处置等费用均由借款人支付ppnbsppp　　73　由于借款人违约行为使贷款人遭受损失及由此产生的一切有关费用均由借款人承担ppnbsppp　　第八条　保险ppnbsppp　　借款人必须按贷款人规定的时间和指定的险种到　　保险公司　　分公司办妥　抵押物的保险手续投保金额不得低于抵押物的总价值投保期限应长于贷款期限１－３个月保险单正本须注明贷款人为第一受益人并将保险单正本送交贷款人ppnbsppp　　第九条　借款人的保证ppnbsppp　　91　保证按合同规定按时按金额还本付息ppnbsppp　　92　向贷款人提供一切资料真实可靠无任何伪装和隐瞒事实ppnbsppp　　93　抵押房产的损毁不论任何原因均须负责赔偿贷款人的损失ppnbspltp