甲方：XXX乙方：XXX20XXCOUNTRACTCOVER專業(yè)合同封面RESUME甲方：XXX乙方：XXX20XXCOUNTRACTCOVER專業(yè)合同封面RESUMEPERSONAL

2025版房產(chǎn)抵押貸款合同范本編制要點(diǎn)及操作流程甲方（出借方）：名稱：________________住所：________________法定代表人：________________聯(lián)系電話：________________乙方（借款方）：名稱：________________住所：________________法定代表人：________________聯(lián)系電話：________________鑒于甲方愿意向乙方提供貸款，乙方愿意以自己的房產(chǎn)作為抵押物，雙方經(jīng)友好協(xié)商，達(dá)成如下協(xié)議：第一條貸款金額及期限1.1本貸款金額為人民幣_(tái)_____元整（大寫：______元整）。1.2本貸款期限為______年，自______年______月______日起至______年______月______日止。第二條抵押物2.2抵押房產(chǎn)的詳細(xì)信息如下：房產(chǎn)證號(hào)：________________房產(chǎn)地址：________________建筑面積：________________平方米房屋結(jié)構(gòu)：________________房屋用途：________________房產(chǎn)估值：人民幣_(tái)_____元整（大寫：______元整）第三條貸款用途3.1乙方承諾將本貸款用于________________。3.2乙方保證貸款用途真實(shí)、合法。第四條貸款利率及還款方式4.1本貸款利率為年利率______%，按月計(jì)息，利息按實(shí)際使用天數(shù)計(jì)算。4.2還款方式為每月等額本息還款方式。第五條還款責(zé)任5.1乙方應(yīng)按約定的還款日期向甲方支付貸款本金及利息。5.2若乙方未能按時(shí)償還貸款本金及利息，甲方有權(quán)依法處置抵押房產(chǎn)。第六條抵押物的保管與處置6.1乙方應(yīng)保持抵押房產(chǎn)的完好，不得擅自改變其用途或結(jié)構(gòu)。6.2若乙方違約，甲方有權(quán)依法處置抵押房產(chǎn)，所得款項(xiàng)優(yōu)先用于償還貸款本金及利息。第七條違約責(zé)任7.1若乙方未按約定還款，甲方有權(quán)要求乙方支付違約金，違約金為應(yīng)還貸款金額的______%。7.2若甲方違約，應(yīng)承擔(dān)相應(yīng)的違約責(zé)任。第八條爭議解決8.1雙方因履行本合同發(fā)生的爭議，應(yīng)通過友好協(xié)商解決。8.2若協(xié)商不成，任何一方均有權(quán)將爭議提交至________________法院訴訟解決。第九條其他9.1本合同一式兩份，甲乙雙方各執(zhí)一份，自雙方簽字（或蓋章）之日起生效。9.2本合同未盡事宜，雙方可另行協(xié)商解決。甲方（出借方）簽字（或蓋章）：日期：________________乙方（借款方）簽字（或蓋章）：日期：________________抵押物清單：1.房產(chǎn)證復(fù)印件2.房產(chǎn)評(píng)估報(bào)告3.其他相關(guān)文件附件：_____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________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