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个人消费贷款借款担保合同范本
贷款人：Lender
抵押人：Mortgagor
保证人：Surety
出质人：Pledgeor
为明确各方权利和义务，根据《合同法》、《贷款通则 life exceeding one year， the interest shall be calculated on a multi-stage basis， . From next Jan. 1st following the adjustment of interest rate， the new rate shall prevail. In case the Borrower fails to repay the principal and interest before the due date， or fails to use the loan for purposes as agreed in this Contract， the lender shall be entitled to collect default interest in line with relevant rules. The default interest rate is specified in .
，实行分段计息的，贷款人有权根据国家有关规定自行调整，不另行通知借款人。
In case of calculating interest on multi-stage basis due to adjustment of interest rate， the lender shall be entitled to adjust the interest rate on his own without further notice to the Borrower.
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第六条 还款方式Article 6 Type of Repayment of Loan
，户名和帐号见 ，并保证在每次还款日前足额存入当期应还款项的存款。借款人在此授权贷款人从借款人该帐户中扣收借款本金、利息和可能发生的复利、罚息、违约金、保费、损害赔偿金及实现债权的费用（含律师费和诉讼费）如该帐户资产不足以归还到期的贷款本息，贷款人有权从借款人在中国工商银行任何分支机构开立的任何帐户划收。
The Borrower should open an account with the Lender（ The account name and account number are specified in .） and promise to deposit sufficient money for repayment before each due date. The Borrower hereby authorizes the Lender to collect ， if any， compound interest， default interest， liquidated damage， premium， compensation and expenses arising from the realization of creditor‘s right （including lawyer’s fee and court expense）in addition to due principal and interest of loan. In case the asset in this Account is not enough for repayment of due principal and interest， the Lender shall be entitled to collect from any Account opened by the Borrower with any branch of ICBC.
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，自贷款发放次月起，借款人按月归还贷款本息（一次性还本付息除外），还款期数及还款方式见 .
The Borrower shall repay the principal and interest on a monthly basis （Except repaying principal and interest in a lump sum） from the second