(十二)抵押权存续期间，抵押人可以将抵押物出借、(在抵押行为 成立后)出租;抵押人在从事上述行为前，均需及时通知贷款人，若 上述行为影响债权安全，贷款人有权要求抵押人禁止实施上述行 为。未经乙方书面同意，甲方不得转让、变更、赠与抵押物。
within the period of mortgage, without any written approval from party b,
the mortgager shall have no right to dispose the guaranty (disposing way
includes, but not limited to, transferring, renting, selling, donating the
guaranty).
(十三)抵押权存续期间，经乙方同意的抵押物转让所得价款，应 提前清偿本合同项下的债务或转为定期存款质押。
8.4.12 within the period of mortgage, any money got by transferring the guaranty based on the approval of party b shall be used for paying off the loan ahead of schedule or changed to fied deposit for guarantee.
(十四)抵押人应当按照乙方的要求购买抵押财产等保险并以乙方 为优先受偿人，且不得约定任何有损乙方权益的条款。保险期限 应长于借款期限，如本合同借款展期，抵押人同意继续办理抵押 物延长投保的手续。保险单和续保单正本由乙方保管。如抵押人 拒绝办理续保手续，乙方可以代替抵押人直接办理续保手续，续 保费用由抵押人承担。
as per the requests of party b, the mortgager shall give an insurance
upon his guaranty, and party b should be the insured enjoying right of eclusive and being paid off with priority/ primary beneficiary, and no items against benefits of party b shall be specified. the insurance term shall be longer than loan term under this contract. if term of loan under this contract is etended, the mortgager shall agree on the renewal insurance for the guaranty. the originals of insurance policy and renewal order shall be kept by party b. if mortgager refuses etending the insurance term, party b has the right to deal with insurance term etending instead of mortgager, and the renewal insurance cost shall be taken on by the mortgager. should any losses caused by refusal of insurance or renewal insurance, or failing to pay for the insurance from mortgager, the mortgager shall take on them.
(十五)抵押权存续期间，抵押人不得中断或者撤销上述保险。
within the period of mortgage, the mortgager shall not discontinue or
cancel the abovementioned insurance.
(十六)抵押权存续期间，抵押物发生保险事故，保险赔偿金应当 用于提前清偿本合同项下的债务。
within the period of mortgage, should any accident happens to the guaranty, insurance compensation should be used for paying off the loan under this contract ahead of schedule with priority.
(十七)乙方与甲方变更本合同(包括但不限于借款金额、期限、利 率、结息方式、还款方式，还款期数、每期还款额)，只要不加重 抵押人的责任，无须征得抵押人同意，抵押人仍承担担保责任。
when party b and party a change the contract (including, but not limited to, amount of loan, term of loan, interest rate, type of interest settlement, type of repayment, period of repayment, repayment amount for each period), the mortgager is no need to be notified if responsibility of mortgager is not increased accordingly, and the mortgager is still bear the responsibility of guarantee.
二、质押担保pledge guarantee
(一)出质人自愿将本合同附件二质押物清单所列明的动产/权利 (以下简称质物)质押给乙方，作为甲方偿还本合同项下借款的担 保。
the pledger voluntarily pledges the movable assets/rights in pledges list-attachment b of this contract, and agrees to be restricted by this contract.
(二)本合同质物的共有权人同意将本合同项下的质物作质押，并 同意受本合同约束。
the co-owner of the pledges under this contract agrees on pledging and be restricted by this contract.
(四)出现下列情形之一，乙方可以行使质权:
party can eercise the pledge right in case one of following situations
happens:
1.甲方债务履行期限届满，乙方未受清偿或未受完全清偿的; party a fails to repay the due loan payable and/or other items payable based on this contract;
2.乙方根据本合同的约定，提前收回借款，乙方未受清偿或未受 完全清偿的;
party breaches the contract, party b claims to take back the loan in advance, and party b fails to be paid off or not fully paid off;
3.质物价值减少，出质人未按照乙方要求提供担保的，乙方可以 提前行使质权。
should the value of pledges is decreased, and the pledger fails to provide guarantee required by party b, party b can eercise the pledge right in advance.
(五)乙方可选择下列方式之一实现质权:
party b can select any one of the following ways to realize the pledge right:
1.与出质人协议以质物折价受偿;discount of pledges in agreement with pledger; 2.拍卖受偿;auction of pledges; 3.变卖受偿;sale of pledges;
4.法律允许的其他方式。other ways allowed by laws.
(六)甲方与乙方变更本合同(包括但不限于借款金额、期限、利率、 结息方式、还款方式、还款期数、每期还款额)，只要不加重出质 人的责任，无须征得出质人同意，出质人仍对本合同项下的债务 承担担保责任。
when party b and party a change the contract(including, but not limited to, amount of loan, term of loan, interest rate, type of interest settlement, type of repayment, period of repayment, repayment
amount for each period), there is no need to ask for approval of the pledger, and the pledger is still bear the
responsibility of guarantee.
(七)出质人应将质物或质押权利凭证交乙方保管。甲方偿还本合 同项下的全部借款本金、利息及费用或出质人代甲方清偿所担保 的债权，乙方应将质物及其相关证明文件返还出质人。
the pledger shall provide to party b the evidence certificates, after confirmation of party b, and all certificates shall be kept by party b. when party a pays off the principal, interest and epenses for the whole loan under this contract, or the pledger pays off the
guaranteed security instead of party a, party b shall return the pledges and relevant certificates to the pledger.
三、保证担保 guarantee
(一)本合同的保证方式为连带责任保证。
the guarantee form under this contract is joint liability assurance. (二)保证人保证担保的范围:
1.本合同项下的借款本金、利息(含复利)、罚息; 2.违约金、赔偿金、补偿金;
3.为实现债权和质权而支付的费用(包括但不限于因违约方发生 的律师费)。
(三)保证人保证责任的保证期间自本合同生效之日起，至本合同 项下债务履行期限届满之日起两年。
中信银行个人贷款合同中英文版
