The Lender is the mortgagee (hereinafter referred to as Party B):

The guarantor is the seller (hereinafter referred to as Party C):

Party A applies for a loan from Party B for the purchase or construction, renovation or overhaul of the self-occupied house, and is willing to use the house purchased or maintained as collateral according to the provisions of the Municipal Provident Fund Management Center and the Employee Housing Mortgage Loan Regulation Manual. Party B agrees to issue the loan after examination. Party C is willing to provide guarantee for Party A before the property right certificate of the mortgaged house is handed over to Party B for safekeeping. In order to clarify their respective rights and obligations, Party A, Party B and Party C enter into this contract through consultation according to relevant legal manuals, and both parties shall abide by it.

Article 1 Loan amount

Party A borrows RMB (in words) _ _ _ _ _ _ _ _ _ _ _ from Party B.

Article 2 Purpose of loan

Party A's loan is used to purchase, build, rebuild and overhaul the house located in _ _ _ _ _ _ _ _ _ _ _ _.

Article 3 Term of loan

The term of the loan contract is from year month day to year month day.

Article 4 Loan interest rate

According to the interest rate announced when signing this contract, the loan interest rate is determined as annual interest rate _ _% (monthly interest rate _ _%). Interest rate changes during the loan period shall be handled according to the handbook of the People's Bank of China.

Article 5 Deposit self-raised funds.

After the signing of this contract, Party A shall open a current savings account (savings card account) with Party B and deposit its own funds for future use. If it is necessary to use Party A's own provident fund, members of the same household, non-household spouses and non-household blood relatives to offset the self-paid funds, it is necessary to provide the written consent of the parties concerned and submit it to Party B for transfer procedures. Party A has paid the self-raised funds to the selling unit for the down payment of mortgage, and the deposit can be exempted with the receipt.

Article 6 Lending

Party A hereby irrevocably authorizes Party B to transfer the loan amount together with the self-raised funds deposited in the bank account opened by the selling unit or the real estate market in the name of Party A's house purchase money within five working days after the house mortgage registration is approved (confirmed by Party B).

When Party A builds, rebuilds or overhauls the self-occupied house, and the self-raised funds are exhausted or about to be exhausted after the contract comes into effect, Party B will take the initiative to transfer the loan funds into the current savings account opened by Party A in Party B, and pay according to the progress of the project.

Article 7 Loan repayment

The loan principal and interest shall be repaid in equal monthly installments.

The loan will repay the principal and interest on a monthly basis from the month following the issuance. Calculate the monthly equal repayment of loan principal and interest according to the calculation formula of equal repayment, round it to zero yuan to determine the monthly repayment amount, and finally collect the principal and interest.

(1) The monthly principal and interest of the first installment (when signing this contract) is RMB (in words) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

(2) The monthly repayment amount of the second and subsequent installments shall be calculated according to the loan interest rate of individual housing provident fund announced by the bank in that year, subject to the written notice of Party B, and the monthly repayment amount of the principal and interest in installments shall be changed.

If Party A needs to repay the principal and interest of the loan with the provident fund of himself, the same family member, non-resident spouse and lineal blood relatives, it can do it once in _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Party A must handle the savings card and credit card of China Construction Bank Shanghai Branch, entrust Party B to repay the principal and interest in full by automatic transfer, and deposit it in the savings card account or credit card account to ensure that Party B can make transfer repayment.

If the card repayment fails due to Party A's reasons, Party A must bring cash to the original loan handling bank for repayment.

Party A shall pay off the outstanding loan principal in advance, and Party B shall not charge the prepayment fee or refund the loan interest charged at the original contract interest rate.

Article 8 Loan guarantee

The house purchased by Party A under this Contract shall be guaranteed by Party C in installments. Before handing over the property right certificate to Party B for safekeeping,

If the borrower defaults on the loan principal and interest, penalty interest and related expenses for three consecutive months, Party C shall be responsible for paying off the loan on its behalf within ten days after receiving the notice from Party B to fulfill the guarantee responsibility ... The guarantee period starts from the date when the loan occurs to the date when Party B obtains the real estate license.

During the guarantee period, if both parties agree to change the contents of the loan contract, they shall obtain the written consent of Party C in advance.

The house purchased, built, rebuilt or overhauled by Party A under this contract is used as the mortgage guarantee of the loan, and both parties shall sign a house mortgage contract separately. Where Party A purchases an auction house, it shall hand over the pre-sale contract to Party B for safekeeping.

Article 9 notarization of contracts

Party A, Party B and Party C shall notarize this contract and the house mortgage contract signed by Party A and Party B at the notary office within ten days from the date of signing this contract.

Article 10 Modification and rescission of the contract

After the contract comes into effect, neither party may change or terminate the contract without authorization.

Where Party A transfers its rights and obligations under this contract to a third party, it shall comply with the provisions of relevant manuals and obtain the written consent of one party in advance (such as the consent of Party C during the guarantee period), and its transfer shall take effect after the transferee and Party B re-sign the loan contract.

Article 11 Rights and obligations of both parties

Party A has the right to require Party B to issue the loan as agreed in this Contract;

Party A must use Party B's loan according to the agreed purpose, and Party A shall not use Party B's loan for other purposes without Party B's written consent.

Party B shall timely release the loan according to the contract manual.

Article 12 Liability for breach of contract

During the performance of the Contract, if Party A fails to repay the loan principal and interest on a monthly basis, it shall be deemed as overdue. Party B will charge a penalty of _ _ _ _ _ _ _ _ _ yuan, and Party A shall deposit one month's loan amount into a current savings or savings card account to ensure the timely repayment of Party B's loan.

If Party A fails to repay the loan principal and interest and related expenses for six consecutive months, or finds that the information provided when applying for a loan is untrue, and disposes of the mortgaged house by means of renting, selling, exchanging or giving away without Party A's written consent, Party B has the right to recover the loan principal and interest in advance until the mortgaged house is disposed of. If it is not enough to repay the arrears, Party B has no right to continue to recover the arrears from Party A. ..

If Party A fails to use Party B's loan as agreed in the contract and uses it for other purposes, it shall charge a penalty of 12/10000 per day for the misappropriated part according to the manual.

Article 13 the dispute settlement method of this contract

Any dispute arising from the performance of this contract can be settled through negotiation. If negotiation fails, a lawsuit may be brought to the people's court where Party B is located. During the negotiation or litigation, the provisions of this contract that are not involved in disputes shall continue to be implemented.

Article 14 This contract shall come into effect as of the date of signature by Party A, Party B and Party C, and the guarantee liability of Party C shall be terminated from the date when the real estate license and other warrants of the commercial house purchased by Party A are delivered to Party B for safekeeping. Before the loan principal and interest and related expenses under this contract are fully paid off, Party A and Party B shall bear their respective responsibilities.

Article 16 The original of this contract is in quintuplicate, one for Party A, Party B and Party C, one for the notary office, one for the real estate registration agency and one for the municipal provident fund management center.

Party A: (official seal) Party B: (official seal) Party C: (official seal)

Legal representative (signature) Legal representative (signature)

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