The borrower is the mortgagor (hereinafter referred to as Party A):

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

The guarantor is the unit selling the house (hereinafter referred to as Party C):

Party A, due to the purchase or construction or renovation or overhaul of its own house, shall submit to Party B in accordance with the ____ Municipal Provident Fund Management Center and the "Employee Housing Mortgage Regulations" manual. To apply for a loan, be willing to use the home you are buying or building as collateral. Party B agrees to grant the loan after review. Party C is willing to provide guarantee to Party A before the real estate certificate for mortgage housing is handed over to Party B for custody. In order to clarify their respective rights and obligations, Party A, Party B and Party C have concluded this contract by consensus in accordance with the relevant legal manuals and agree to abide by it and implement it.

Article 1 Amount of Loan

Party A borrows from Party B RMB (in capital letters)_________________________ yuan.

Article 2 Purpose of Loan

Party A borrows money for purchase, construction, renovation and overhaul located at _____ Road, ____ Street (Town), _____ District (County) The house in Room _____, No. _____, Alley _____, (Village).

Article 3 Loan Period

The loan contract period shall be from ____ month ____, ____ year to ____ month ____, ____ year.

Article 4 Loan Interest Rate

The loan interest rate is determined based on the interest rate announced when signing this contract. The annual interest rate is ___% (monthly interest rate___%). Interest rate changes during the loan period shall be handled in accordance with the manual of the People's Bank of China.

Article 5 Deposit of self-raised funds

After signing this contract, Party A shall open a current savings account (deposit card account) with Party B and deposit self-raised funds. Enter for spare. If Party A himself, members of the same household, spouses who are not in the same household, and provident funds of blood relatives who are not in the same household need to be used to offset self-remuneration funds, proof of written consent of the parties must be provided and submitted to Party B for transfer procedures. If Party A has paid self-raised funds to the selling unit for the first installment of the mortgage and has a receipt, the deposit is exempted.

Article 6 Loan Disbursement

Party A who purchases a house from a house seller or purchases a private house through the real estate transaction market hereby irrevocably authorizes Party B to obtain approval for housing mortgage registration Within five business days from the date (determined by Party B), the loan amount together with the deposited self-raised funds will be transferred in full to the bank account opened by the selling unit or the real estate transaction market in the name of Party A's purchase price.

If Party A builds, renovates or overhauls his own house, when the self-raised funds are used up or about to be used up after this contract comes into effect, Party B takes the initiative to transfer the loan funds to Party A's account opened by Party B. Current savings account (deposit card account) will be disbursed according to the progress of the project.

Article 7 Loan Repayment

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

The principal and interest will be repaid monthly starting from the month after the loan is issued. Calculate the equal monthly repayment of principal and interest of the loan according to the formula for equal repayment. Subtract zeros to determine the monthly repayment of principal and interest. The last payment of principal and interest will be settled.

(1) The monthly principal and interest repayment amount for the first period (when the contract is signed) is: RMB (in capital letters) ____million____thousand____hundred____ten____ yuan.

(2) The monthly principal and interest repayment amount from the second period to subsequent periods is calculated based on the personal housing provident fund loan interest rate published by the bank in that year, subject to Party B’s written notice, and the monthly principal and interest repayment amount will be changed at the same time.

If Party A needs to use the provident funds of himself, members of the same household, non-residing spouses and direct blood relatives to repay the principal and interest of the loan, it can be done once every year in ________ month. The procedures are as follows in the fifth month of this contract. The provisions of the provident fund offset self-raised funds are the same.

Party A must apply for a China Construction Bank Shanghai Branch debit card or credit card, entrust Party B to repay the principal and interest by automatic transfer, and deposit the full amount into the debit card account or credit card account to ensure that Party B can implement Transfer repayment.

When 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 will repay all the unexpired loan principal in advance, and Party B will not charge early repayment fees, nor will Party B refund the loan interest charged at the original contract interest rate.

Article 8 Loan Guarantee

Party C will provide periodic guarantee for the house purchased by Party A under this contract.

Before the real estate certificate is handed over to Party B for custody,

If the borrower defaults on the loan principal and interest, penalty interest and related fees for three consecutive months, Party C must notify Party B after receiving the Notice of Fulfillment of Guarantee Responsibility. 》Responsible for repaying the payment within ten days. The guarantee period starts from the date of the loan and ends with the date when Party B obtains the real estate certificate and takes possession of it.

During the guarantee period, if Party A and Party B of the loan contract agree to change the contents of the loan contract, they must obtain the written consent of Party C in advance.

Under this contract, the house purchased, constructed, renovated and overhauled by Party A will be used as a mortgage guarantee for the loan. Party A and Party B will sign a separate "Housing Mortgage Contract". If Party A purchases a house off-plan, the house purchase pre-sale contract shall be handed over to Party B for safekeeping.

Article 9 Contract Notarization

Parties A, B, and C shall, within ten days from the date of signing this contract, apply to the notary office for the housing mortgage signed by this contract and Party A and Party B Notarization of contract.

Article 10 Modification and termination of the contract

After this contract comes into effect, neither party shall modify or terminate this contract without authorization.

If Party A transfers the rights and obligations under this contract to a third party, it shall comply with the relevant manuals and shall obtain the prior written consent of one party (for example, the consent of Party C shall be obtained during the warranty period). The act will take effect after the transferee and Party B re-sign the loan contract.

Article 11 Rights and Obligations of Party A and Party B

Party A has the right to require Party B to grant loans as agreed in the contract;

Party A must do so as agreed Purpose: Party B's loan shall be used. Without Party B's written consent, Party A may not use Party B's loan for other purposes.

Party B shall issue the loan in a timely manner according to the contract manual period.

Article 12 Liability for Breach of Contract

During the execution of this contract, Party A’s failure to repay the principal and interest of the loan monthly is an overdue loan, and Party B will owe it every ____ days according to the manual. A penalty interest of _____ ten thousandths will be charged; Party A will deposit one month's loan amount in the current savings or savings card account to ensure that Party B's loan is repaid on time.

If Party A fails to repay the principal, interest and related expenses of the loan for six consecutive months, or is found to have provided false information when applying for a loan, or rents, sells, exchanges or gives away the mortgaged house without the written consent of Party A, If the mortgaged house is disposed of in other ways, Party B has the right to recover the principal and interest of the loan in advance until the mortgaged house is disposed of. If it is insufficient 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 stipulated in the contract but instead uses it for other purposes, a fine of 120,000% will be charged per day for the misappropriated part according to the manual.

Article 13 Dispute Resolution Methods for this Contract

If a dispute occurs during the performance of this contract, it can be resolved through negotiation. If negotiation fails, Party B can file a lawsuit with the People's Court where Party B is located. During negotiation or litigation, the terms of this contract that do not involve the disputed part must still be performed.

Article 14 This contract will come into effect upon signature between Party A, B and C. Party C will guarantee that the "Real Estate Certificate" and "Other Real Estate Certificates" for the commercial housing purchased by Party A are handed over to Party B for enforcement. then terminate. Party A and Party B shall bear liability until the principal, interest and related expenses of the loan under the contract are fully paid off.

Article 16 This contract is made in five original copies, with A, B and C each holding one copy, the notary office and the real estate registration agency each holding one copy, and the copies are determined as needed, including: sent to the city provident fund management One serving in the center.

Party A: (Private seal) Party B: (Private seal) Party C: (Official seal)

(Signature) Legal representative (Signature and seal) Legal representative (Signature and seal)

____year____month____day____year____month____day____year____month____day