菲律宾首都银行消费性无担保贷款契约(中英文翻译模板)
CONTRACT FOR UNSECURED CONSUMER LOAN OF METROPOLITAN BANK AND TRUST COMPANY
目 录 CONTENTS
第一条(契约类型)Article 1 (Type of Contract)
第二条(借款金额或额度)Article 2 (Loan Amount or Limit)
第三条(借款之交付)Article 3 (Loan Disbursement)
第四条(借款期间)Article 4 (Term of Loan)
第五条(借款利息计付方式)Article 5 (Calculation and Payment of Loan Interest)
第六条(利率调整之通知)Article 6 (Notice of Interest Rate Change)
第七条(本息摊还方式与还款方式)
Article 7 (Amortization of Principal and Interest and Repayment Method)
第八条(迟延利息及违约金)Article 8 (Delay Interest and Penalty)
第九条(费用之收取)Article 9 (Fees)
第十条(加速条款)Article 10 (Acceleration Clause)
第十一条(抵销权之行使)Article 11 (Exercise of Offset Right)
第十二条(住所变更之告知)Article 12 (Notice of Address Change)
第十三条(消费者信息之利用)Article 13 (Use of Consumer Information)
第十四条(委外催收之告知)Article 14 (Notice of Outsourcing of Collection Operation)
第十五条(委外业务之处理)Article 15 (Outsourcing of Business Operations)
第十六条(服务专线)Article 16 (Service Hotline)
第十七条 (文字) Article 17 (Governing Language)
第十八条(管辖法院)Article 18 (Court of jurisdiction)
第十九条(契约之交付)Article 19 (Delivery of Contract)
借款人____及保证人____声明于民国__年__月__日携回本契约详细审阅(契约审阅期间至少五日),并充分了解及确认,双方约定确实遵守所列各条款。
Borrower ____ and Guarantor ____ hereby state that they have taken this Contract back home on ___(year) ____ (month) _____ (day) for review (at least five days should be allowed for contract review), and they understand fully and accept the terms and conditions as agreed by the parties.
借款人__(以下简称「甲方」)兹向菲律宾首都银行(以下简称「乙方」)办理借款,双方约定确实遵守下列各条款:
Borrower _________ (Party A) hereby applies for a loan from Metropolitan Bank & Trust Company (Party B), and the parties hereto agree to the terms and conditions below:
第一条(契约类型)Article 1 (Type of Contract)
本借款契约其借款金额拨付方式系指乙方核给甲方一借款金额,而乙方将该借款金额一次拨付予甲方之借款类型。
The Contract refers to Party B grants Party A a loan amount and disburses the loan proceeds to Party A in one lump sum.
第二条(借款金额或额度)Article 2 (Loan Amount or Limit)
甲方借款金额为新台币____元整。 The loan amount granted to Party A is NT$____.
第三条(借款之交付)Article 3 (Loan Disbursement)
(一)一次拨付型 (1) Lump-sum disbursement:
于乙方拨入甲方指定在_____银行之______存款第_____号账户内,即视为乙方贷与款项之交付。
Party B’s loan to Party A is deemed disbursed when Party B deposits the loan proceeds into Party A’s ____ deposit account No. ____________ at ________ Bank as instructed by Party A.
(二)循环动用型 (2) Revolving loan facility:
于本借款额度及借款期限内,甲方凭存折及取款凭条、电话语音转帐或网络转帐,在甲方于乙方开设之_____存款第_____号账户(以下简称「循环动用借款账户」)内由甲方循环动用,并于甲方提领时视为乙方贷与款项之交付。
Party B’s loan to Party A is deemed disbursed when loan proceeds are available in a _____ deposit
account No. ____ opened by Party A at Party B (referred to as the revolving loan drawdown
account hereunder) for drawdown by Party A and Party A makes withdrawal from the account with a passbook and a withdrawal slip or makes transfer from the account via phone banking or online banking during the term of loan.
第四条(借款期间)Article 4 (Term of Loan)
(一)一次拨付型 (1) Lump-sum disbursement
本借款期间____年____月,自民国____年____月____日起至民国____年____月____日止。
This loan has a term of ____ (years) ___ (months), starting on ____ (year) ___ (month) __ (day) and ending on ____ (year) ____ (month) __ (day).
(二)循环动用型(2) Revolving loan facility
自民国____年____月____日起至民国____年____月____日止,共一年。契约期限届满前乙方如不同意续约,
应至迟于契约期限届满之三十日前(不含契约期限届满当日),以书面通知甲方;乙方如未依前述规定办理,甲方得主张依同一契约内容续约一年,不另换约。
This loan has a term of one year, starting on _______ (year) _________ (month) _____ (day) and ending on____ (year) ____ (month) _____ (day). If Party B decides not to renew the Contract prior to its expiration, Party B shall, no later than 30 days before the expiration date (excluding the day on which the Contract expires), notify Party A in writing. Should Party B fails to act according to the preceding provision, Party A may claim that the loan has been renewed for another year under the same terms and conditions without signing another contract.
第五条(借款利息计付方式)Article 5 (Calculation and Payment of Loan Interest)
本借款之利息以下列方式计付:
按乙方基准利率(或其它指标利率)__%加年利率__%计算(合计年利率__%);嗣后随乙方基准利率(或其它指标利率)变动而调整,并自调整日起,按调整后之年利率计算。
前项所称之基准利率(或其它指标利率)以台银、合库、华银、一银及台湾土地银行等五家银行当期公告之「基准利率」之平均利率加年息 _____%订定之。
利息计算方式,如下:
按月计息,本金乘以年利率,再除以十二即得每月之利息额。不足一个月之畸零天数部分,则按日计息,即:一年(含闰年)以三百六十五日为计息基础,以本金乘以年利率、天数,再除以三百六十五即得畸零天数部分之利息额。
Interest on this loan to be calculated and paid according to the following methods:
Calculated by Party B’s prime rate (or other benchmark rates) at ____ % plus an annual rate of ____ % (totaling ___ % per annum); the interest rate will be adjusted subsequently as Party B’s prime rate (or other benchmark rates) changes, and interest will be calculated at the adjusted annual rate starting from the date of adjustment. The prime rate (or other benchmark rates) referred to in Paragraph 1 shall be based on the average of announced base rate of 5 banks, i.e. the Bank of Taiwan, Taiwan Cooperative Bank, Hua Nan Comm’l Bank, First Comm’l
Bank and Land Bank of Taiwan plus _____% per annum. .
Interest is calculated monthly, monthly interest is the principal multiplied by annual interest and then divided by 12, and interest on the portion less than a month will be calculated daily, that is, interest will be accrued on the basis of 365 days a year (including leap years) where principal is multiplied by annual interest rate and the number of days elapsed in the partial month and then divided by 365.
第六条(利率调整之通知)Article 6 (Notice of Interest Rate Change)
乙方应于基准利率(或其它指标利率)调整时5日内将调整后之基准利率(或其它指标利率)告知甲方。未如期告知者,其为利率调升时,仍按原约定利率计算利息、迟延利息;其为利率调降时,则按调降之利率计算利息、迟延利息。
前项告知方式,乙方除应于营业场所及网站公告外,双方另约定应以书面通知之方式告知
乙方调整基准利率(或其它指标利率)时,甲方得请求乙方提供该笔借款按调整后利率计算之本息摊还方式及本息摊还表。
依第五条第一项第五款个别约定利息计付方式者,其利率调整时,准用前三项之约定。
When Party B adjusts its prime rate (or other benchmark rates), Party B shall notify Party A of the adjusted prime rate (or other benchmark rates) within 5 days. If Party B fails to make such notification in a timely manner, the interest and delay interest will be calculated at the originally agreed rate when interest rate is adjusted higher, and calculated at lower rate when interest rate is adjusted down.
Party B shall post the announcement of interest rate change mentioned in the preceding paragraph at its business places and on its website, and in addition, notify Party A via a written notice as mutually agreed by the parties When Party B adjusts the prime rate (or other benchmark rates), Party A may ask Party B to provide the principal and interest repayment method and repayment schedule calculated based on the adjusted interest rate. Where interest is calculated and paid as agreed according to Subparagraph (5), Paragraph Paragraph 1 of Article 5, the provisions of preceding three paragraphs shall apply when interest rate is adjusted.
第七条(本息摊还方式与还款方式)
Article 7 (Amortization of Principal and Interest and Repayment Method)
本借款本息摊还方式得约定下列方式:
自实际拨款日起,依年金法,按月摊还本息。
乙方应提供甲方借款本息计算方式及摊还表,并应告知网络或其它查询方式。
乙方提供「无限制清偿期间」:甲方并得随时偿还借款或结清账户,无须支付违约金。
The principal and interest of the loan may be repaid by the following method:
Starting from the actual date of disbursement, Party A will make monthly amortized payment on principal and interest calculated by annuity method.
Party B should provide Party A with the method of calculating loan principal and interest and repayment schedule, and inform Party A of the method of inquiring loan payment online.
Party B offers the option of no prepayment penalty : Party A may repay the loan or close the account at any time without paying any penalty.
第八条(迟延利息及违约金)Article 8 (Delay Interest and Penalty)
甲方如迟延还本或付息时, 乙方按原借款利率计算迟延期间之迟延利息者,始得收取违约金。上开违约金按下列方式计收:
逾期六个月以内者,按原借款利率之百分之十,逾期超过六个月部分,按原借款利率之百分之二十,按期计收违约金,每次违约状态最高连续收取期数为九期。
Where Party A is late in repaying the principal or paying the interest, Party B may charge penalty only if it calculates interest during the late payment period at the original loan rate. The aforementioned penalty will be charged by the following methods:
If payment is less than six months late, default penalty will be charged by billing period at the rate of 10% of the original loan rate; for the portion of payment over six months late, the penalty will be charged at the rate of 20% of the original loan rate. For each incidence of default, penalty may be charged only up for nine consecutive billing periods.
第九条(费用之收取)Article 9 (Fees)
本借款之费用得约定如下:Loan fees may be agreed on as follows:
(一)开办费:新台币___元整。
(二)账户管理费:新台币___元整。
前项所列费用均以收取一次为限。且除前项所列费用之项目与金额外,乙方不得另外收取其它费用。
(1) Up-front charge: NT$ _______.
(2) Account management fee: NT$ _________.
The fees listed in the preceding paragraph may be charged once only. Aside from the fee items and amounts listed in the preceding paragraph, Party B may not charge other fees.
第十条(加速条款)Article 10 (Acceleration Clause)
甲方对乙方任一借款所负之支付一切本息及费用之债务,均应依约定期限如数清偿。
甲方如有下列情形之一,乙方得酌情缩短借款期限,或视为全部到期。但乙方依下列第二款、第六款及第七款之任一事由为前揭主张时,应于合理期间以书面通知甲方后,始生缩短借款期限,或视为全部到期之效力:
(一)任何一宗债务不依约清偿本金者。
(二)任何一宗债务不依约支付利息、费用、其它应付款项者。(三)依破产法或消费者债务清理条例声请和解、声请宣告破产、经票据交换所通知拒绝往来、停止营业,清理债务者。
(四)因债务人死亡而其继承人声明为抛弃继承者。
(五)因刑事而受没收主要财产之宣告者。
(六)甲方对乙方所负债务,其实际资金用途与乙方核定用途不符者。
(七)受强制执行或假扣押、假处分或其它保全处分,致乙方有不能受偿之虞者。
Party A shall pay off all debts in connection with any of the loans granted by Party B, including principal, interest andfees, according to the agreed terms and conditions. In case Party A has any of the following situations, Party B has the discretion to shorten the term of loan or call the entire loan due. However when Party B makes any claim in accordance with Subparagraph (2), (6), and (7) hereof, it should notify Party A in writing and give Party A a reasonable period of time before the shortening of loan term or the calling of loan takes effect:
(1) Party A fails to repay the principal of any debt as agreed.
(2) Party A fails to pay interest, fees and other payables on any debt as agreed.
(3) Party A files for settlement or voluntarily files or is being filed for declaration of bankruptcy under the Bankruptcy Act or the Consumer Debt Clearance Act, or the bill or check drawn by Party A is being denied service by the clearing house, or Party A ceases its business, or is in the process of debt consolidation.
(4) Party A passes away and his/her heirs waive rights to inherit.
(5) Party A’s major assets are being seized under court order in connection with a criminal case.
(6) The actual use of proceeds from loans granted by Party B is inconsistent with the purpose approved by Party B.
(7) Party A’s assets are subject to compulsory execution, provisional seizure, provisional disposition or other precautionary measures that it is likely Party B will not be able to receive repayment from Party A.
第十一条(抵销权之行使)Article 11 (Exercise of Offset Right)
甲方不依本契约之约定按期摊付本息时,债权债务届期或依前条规定视为到期,乙方得将甲方及保证人寄存乙方之各种存款及对乙方之其它债权于必要范围内期前清偿,并将期前清偿款项抵销甲方对乙方所负本契约之债务。但甲方之存款及其对乙方之其它债权足以清偿本契约之债务者,则乙方对保证人不得行使抵销权。
乙方依前项为抵销,其抵销之意思表示应以书面方式通知甲方及保证人,其内容应包括行使抵销权之事由、抵销权之种类及数额,并以下列顺序办理抵销:
(一)甲方对乙方之债权先抵销,保证人对乙方之债权于乙方对甲方强制执行无效果后抵销。
(二)已届清偿期者先抵销,未届清偿期者后抵销。
(三)抵销存款时,以存款利率低者先抵销。
When Party A fails to make amortized payment as agreed agreed, or when Party A’s debt becomes due or is deemed due in accordance with the preceding article, Party B has the right to treat the deposits of Party A and Guarantor at Party B and all of Party A’s claims over Party B as early payment to Party B and use such early payment to offset Party A’s debt to Party B. However when Party A’s deposits at Party B and Party A’s other claims over Party B are sufficient to pay off Party A’s debts under the Contract, Party B shall not exercise offset right against Guarantor.
When Party B plans to carry out offset in accordance with the preceding paragraph, it shall notify Party A and Guarantor of its intent in writing. Such notice shall contain information on cause for exercise of offset right, types of offset rights and amounts involved. Party B shall carry out offset in the following order:
(1) Party A’s claims over Party B will be offset first, and Guarantor’s claims over Party B will be offset after Party B’s action of compulsory enforcement against Party A is ineffectual.
(2) Debts that are due will be offset first and debts that are not yet due will be offset later.
(3) When deposits are used for offset, deposits with lower interest rate will be offset first.
第十二条(住所变更之告知)Article 12 (Notice of Address Change)
甲方、保证人之住所或通讯处所或乙方之营业场所如有变更者,应立即以书面或甲乙双方约定之方式告知对方。如有应告知而未告知者,则他方以原址通知,并以寄出通知时视为已送达。
Where Party A or Guarantor changes his or her residence or mailing address, or Party B changes its business place, the changing party shall immediately notify the other party in writing or in a manner as agreed by the parties.
第十三条(消费者信息之利用)Article 13 (Use of Consumer Information)
乙方仅得于履行本契约之目的范围内,搜集、处理及利用甲方及保证人之个人数据及与金融机构之往来资料。但相关法令另有规定者,不在此限。
甲方及保证人:
□不同意(甲方或保证人如不同意,乙方将无法提供本项贷款服务)
□同意
(二者择一勾选;未勾选者,视为不同意)
乙方得将甲方及保证人与乙方之个人与授信往来资料提供予财团法人金融联合征信中心及受乙方遵循相关法令委任代为处理事务之人。但乙方经甲方及保证人同意而提供予前述机构之甲方及保证人与乙方往来数据如有错误或变更时,乙方应主动适时更正或补充,并要求前述机构或单位回复原状,及副知甲方或保证人。
甲方或保证人提供乙方之相关资料,如遭乙方以外之机构或人员窃取、泄漏、窜改或其它侵害者,应尽速以适当方式通知甲方或保证人,且甲方或保证人向乙方要求提供相关数据流向情形时,乙方应即提供甲方或保证人该等数据流向之机构或人员名单。
Unless it is otherwise provided by law, Party B may gather, process and use the personal information of Party A and Guarantor and their information on dealings with financial institutions only to the extent of serving the purpose of the Contract.
Party A and Guarantor:
Disagree (if Party A or Guarantor disagrees, Party B will not be able to provide this loan service).
Agree. (Check either one; if neither is checked, it is deemed that Party A and Guarantor disagree).
Party B may provide the personal information of Party A and Guarantor and information on their credit-related dealings with Party B to the Joint Credit Information Center (JCIC) and persons commissioned by Party B in compliance with applicable regulations to handle matters on Party B’s behalf. However when the data and information of Party A and Guarantor provided to the aforementioned entities under their consent contains error, Party B should take the initiative to make correction or supply additional information and ask the aforementioned entities to restore the status quo, and send Party A or Guarantor a notice of the same.
If the information provided by Party A or Guarantor to Party B is stolen, leaked, altered or otherwise infringed by institutions or persons other than Party B, Party B shall notify Party A or Guarantor by an appropriate means as soon as possible, and if Party A or Guarantor asks Party B to furnish the flow of relevant information, promptly provide Party A or Guarantor with the list of institutions or persons that have access to such information.
第十四条(委外催收之告知)Article 14 (Notice of Outsourcing of Collection Operation)
甲方如发生延滞逾期返还本金或利息时,乙方得将债务催收作业委外处理,并应于债务委外催收前以书面通知甲方与保证人。通知内容应依相关法令规定,载明受委托机构名称、催收金额、催收录音纪录保存期限,及其它相关事项。
乙方应将受委托机构基本资料公布于乙方营业场所及网站。
乙方未依第一项规定通知或受委托机构未依相关法令规定办理催收,致甲方或保证人受损者,乙方应负连带赔偿责任。
When Party A is late in repaying principal or interest, Party B may outsource its debt collection operation and notify Party A and Guarantor the same in writing before doing so. Such notice shall contain information on the name of outsourced collection service provider, collection amount, period of retention for tape-recorded collection record, and other relevant matters as required by applicable regulations.
Party B shall post the basic information of the outsourced debt collection service provider at its business places or on its website.
If Party B fails to send notice according to Paragraph 1 hereof or Party B’s outsourced service provider fails to perform the collection activities in accordance with applicable regulations, Party B shall be held jointly liable for damages incurred by Party A or Guarantor thereof.
第十五条(委外业务之处理)Article 15 (Outsourcing of Business Operations)
乙方依主管机关相关法令规定,得将交易帐款收付业务、计算机处理业务或其它与本契约有关之附随业务,委托第三人(机构)处理。
乙方依前项规定委外处理业务时,应督促并确保该等资料利用人遵照银行法及其它相关法令之保密规定,不得将该等有关资料泄漏予第三人。
受乙方委托处理数据利用人,违反个人数据保护法规定,致个人资料遭不法搜集、处理、利用或其它侵害甲方或保证人权利者,甲方或保证人得依民法、个人数据保护法或其它相关法令规定,向乙方及其委托处理数据利用人请求连带赔偿。
Party B may, in accordance with applicable regulations set forth by the competent authorities, commission third Party B may, in accordance with applicable regulations set forth by the competent authorities, commission third parties (institutions) to handle the billing and payment operations, computer processing operation or other operations associated with the Contract.
Where Party B has outsourced its business operations according to the preceding paragraph, Party B shall urge and ensure that outsourced service providers will observe the confidentiality provisions set out in the Banking Act and other applicable regulations without disclosing relevant information to third parties.
When an outsourced service provider commissioned by Party B violates the Personal Information Protection Act that results in the personal information of Party A or Guarantor being illegally gathered, processed, or used, or the rights of Party A or Guarantor being otherwise wise infringed, Party A or Guarantor may seek damages from both Party B and the outsourced service provider.
第十六条(服务专线)Article 16 (Service Hotline)
乙方之服务专线如下:Party B’s service hotlines are as follows:
第十七条 (文字) Article 17 (Governing Language)
本约定书以中文及英文作成。但如中、英文内容有歧异时, 应以中文为准。
This Agreement is made in Chinese and English. The Chinese version shall govern in the event of inconsistencies or discrepancies.
第十八条(管辖法院)Article 18 (Court of jurisdiction)
倘因本契约涉讼者,双方同意以台湾台北地方法院为第一审管辖法院,但不得排除消费者保护法第四十七条或民事诉讼法第二十八条第二项、第四百三十六条之九小额诉讼管辖法院之适用。
If litigation arises out of this contract, the parties agree that Taiwan Taipei District Court be the court of jurisdiction for the first instance. However, the application of Article 47 of Consumer Protection Act or Paragraph 2, Article 28 or Article 436-9 of the Code of Civil Procedure on small claim court may not be excluded.
第十九条(契约之交付)Article 19 (Delivery of Contract)
本契约正本乙式__份,由甲乙双方、保证人及其它关系人各执乙份为凭。但经保证人及其它关系人要求或征得其同意者,得交付复印件由乙方注明『与正本完全相符』并加盖本契约专用章。
The Contract is executed in ____ original copies , to be held each by the parties hereto, Guarantor and other related parties. If so requested or agreed by Guarantor and other related parties, Party B may deliver to them a photocopy of the Contract noted with the wording Identical to the Original by Party B and affixed with Party B’s contract seal.
甲方(借款人):_____ (签章)Party A (Borrower): ____ (signature/seal)
乙方:菲律宾首都银行Party B: Metropolitan Bank & Trust Company
年 月 日 Date:
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