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.OriginalChina Construction Bank Beijing BranchIndividual Housing Loan Contract(Mortgage plus Periodically Guarantee Loan)No.: 802Printed by China Construction Bank Beijing BranchParty A (Borrower, Mortgager): LU JihongID Card No.: 350104680716001Address: Room 203, Unit 8, No.15, Haidian NanluTelephone: 13801302471Post Code: 100081Opening Bank: A/C No.:Party B (Creditor, Mortgagee): China Construction Bank Beijing Xisi Sub-branchAddress: Jia No. 26, Fuchengmenwai Dajie, Xicheng District, BeijingTelephone: 68041712Post Code: 100037Party C (Guarantor, Developer or Sales Company): Beijing Haidian District Real Estate Management and Development Co., Ltd. Address: No. 21, Nanlu, Haidian DistrictTelephone: 62632288Post Code: 100080Opening Bank: China Construction Bank Beijing Haidian Sub-branch Huayuanlu OfficeA/C No.: 2390001995ContentsArticle 1 General ProvisionsArticle 2 LoanArticle 3 RepaymentArticle 4 Loan GuaranteeArticle 5 InsuranceArticle 6 Rights and ObligationsArticle 7 Alteration of ContractArticle 8 Liability for Breach of ContractArticle 9 Other AgreementsArticle 10 Special ClausesArticle 1 General ProvisionsClause 1 Basis for ContractGeneral Principles of the Civil Law of the Peoples Republic of China, Contract Law of the Peoples Republic of China, Guaranty Law of the Peoples Republic of China, General Principles of Loan, Management Measures of Individual Housing Loan of the Peoples Bank of China, Individual Housing Loan Measures of China Construction Bank, Detailed Rules for Implementation of Individual Housing Loan of China Construction Bank Beijing Branch and other laws, regulations and rules.Clause 2 Upon mutual consensus, both parties sign the contract in accordance with the principles of equality, voluntary compliance, honesty and credibility and promise to strictly comply with the contract.Clause 3 The contract includes loan, mortgage, guarantee, etc.Article 2 LoanClause 4 Loan PurposeSee clause 46Clause 5 Loan AmountSee clause 47Clause 6 Loan PeriodSee clause 48Clause 7 Loan RateSee clause 49Clause 8 Appropriation MethodBoth parties agree to adopt special appropriation that Party B debits the loan into the account which Party C opened in Party B. See clause 50 for account name and account number.Article 3 RepaymentClause 9 Repayment PrincipleIf the loan period is within one year (including one year), the repayment shall be paid off in lump sum payment.If the loan period is more than one year, Party A begins to pay the principal from the next month after receiving the loan. During the repayment period, Party A shall pay the loan principal and interest one time per month, and the last repayment can not exceed the expiry.Both parties agree to comply with the principle that Party A pays the principal first, then pays off the interest. Clause 10 Repayment InstallmentsBoth parties agree on that Party A pays off the loan according to month. Both parties confirm the repayment installments. See clause 51 for detailed agreement.Clause 11 Repayment MethodIf the loan period is within one year (including one year), the loan shall be paid off in lump sum payment.If the loan period is more than one year, both parties agree to adopt one of the following repayment methods. See clause 52 for detailed agreement.1. Matching the repayment of interest2. Matching the repayment of principalClause 12 Repayment MannerBoth parties agree to adopt one of the following manners. See clause 53 for detailed agreement.1. Authorized deducting2. Repaying over the counterClause 13 Advance RepaymentParty A has to submit notice to Party B 10 working days prior to the advance repayment date. If Party A applies for partial advance payment, Party A can repay the principal prior to the repayment date after Party B confirms that Party A doesnt have delay in installments.Clause 14 Extending Repayment PeriodDuring fulfilling the contract, if Party A can not repay the installments on time due to objective reasons, Party A has to apply to Party B for extending the repayment period 20 days prior to the repayment day. Party A can only apply for extending the repayment period one time.Article 4 Loan GuaranteeClause 15 The loan under the contract is mortgage plus periodically guarantee loan.Clause 16 The guarantee clauses under the contract have legal effect independent of the contract.Clause 17 PawnClause 18 Mortgage and Guarantee ScopeThe mortgage and guarantee scope includes loan, interest, penalty, compensation and other charges.Clause 19 The owner agrees to offer the collateral under the contract as guarantee.Clause 20 Party A has to go through collateral registration as soon as getting the House Property Certificate. Party A affords the mortgage charge.Clause 21 Mortgage PeriodThe mortgage period is from the date Party A gets the house property certificate to the debt is fully settled.Clause 22 During the mortgage period, Party A shall submit House Property Certificate and relevant resources to Party B to keep.Clause 23 During the mortgage period, in case of the depreciation in the collateral caused by the third person, Party A shall credit the compensation to the account stipulated by Party B.Clause 24 Termination of MortgageThe mortgage will terminate while Party A settles the debt and other charges payable. Both parties shall go through cancellation of registration.Clause 25 Guarantee ScopeThe guarantee scope includes the principal of loan, interests, Party As penalty, compensation and other chargesClause 26 Guarantee MethodDuring the guarantee period, Party C is willing to undertake joint responsibility for Party As loan. If Party A fails to repay the principal of loan and other charges, Party B has the right to ask Party C undertaking loan guarantee responsibility. Party C agrees that Party B debits the loan from the account Party C opens in Party B.Clause 27 Guarantee PeriodThe guarantee period is from the validation of the contract to the house which Party B offers as guarantee gets House Property Certificate, goes through house property insurance and mortgage registration, and Party A submits Certificate of Other Rights of House to Party B.Clause 28 Except the following condition, Party A and Party B can alter the loan contract through negotiation without Party Cs permission:1. Extending Loan Period2. Adding Loan AmountClause 29 During the guarantee period, the loan contract rate can be adjusted according to adjustment in state rate without Party Cs permission.Article 5 InsuranceClause 30 Insurance1. Party A should take mortgage property insurance after signing this contract.2. Party A should hand the certificate of insurance to Party B to be kept.3. In the certificate of insurance Party B should be taken as first beneficiary.Article 6 Rights and ObligationsClause 31 Rights and obligations of Party AClause 32 Rights and obligations of Party BClause 33 Rights and obligations of Party CArticle 7 Alteration of ContractClause 34 Any party should not alter and cancel this contract unilaterally when this contract has taken effect.Clause 35 Party A should get Party Bs written approval and Party Cs confirmation when Party A transfer the rights and obligation under this contract.Clause 36 Contract inheriting and taking over for Party As reasonClause 37 Extending the time limit of loanArticle 8 Liability for Breach of ContractClause 38 Liability for Breach of Contract of Party AClause 39 Liability for Breach of Contract of Party BClause 40 Liability for Breach of Contract of Party CClause 41 Liquidation order for handling money of the pawnArticle 9 Other AgreementsClause 42 Resolution for disputesClause 43 Effectiveness and termination of the contractClause 44 Other agreed itemsClause 45 Number of copy of contractArticle 10 Special ClausesClause 46 Agreement on clause 4The loan is for purchasing No.404, Building 114, Anheyuan, Tianxiu Garden of Beijing Haidian District Real Estate Management and Development Co., Ltd., No. 138248.Clause 47 Agreement on clause 5Party B offers Party A loan (in capital) RMB three hundred and ninety thousand only. (in number:￥390,000.00)Clause 48 Agreement on clause 6The loan period stipulated in the contract is (in capital) seventy two months, counting from the date Party B credits the loan to the account stipulated by Party A and approved by Party B. The loan period is from Aug. 2, 2000 to Aug. 1, 2006.Clause 49 Agreement on clause 7The monthly rate of the loan is 4.65 according to the state rate in the day that Party B credits the loan to Party As account.Clause 50 Agreement on clause 8Party B transfers Party As loan to the account Party C opens in Party B.A/C Name: Beijing Haidian District Real Estate Management and Development Co., Ltd., A/C No.: 2390001995Clause 51 Agreement on clause 10Party A has to repay the loan from the next month after getting the loan according to month, the total repayment period is 72 installments.Clause 52 Agreement on clause 11Party A and Party B agree to adopt the first repayment method confirmed in clause 11.Under the current interest rate, according to the first repayment method, the interest on principal payable per month is RMB _6,386.39_.Clause 53 Agreement on clause 12Party A and Party B agree to adopt the first repayment method stipulated in clause 12.Clause 54 Agreement on clause 17The contents of the house Party A purchases with loan and offers as guarantee is as follow:Location114#-404, Anheyuan, Tianxiu Garden, North Bank of Xiaoqing River, Haidian DistrictLand No.Assessment Value (Yuan)In capitalRMB four hundred and ninety two thousand nine hundred and five onlyIn number492,905.00Mortgage LandArea ()Use PeriodSourceState-owned Land Use Certificate No.Assessment Value (Yuan)In capitalIn numberMortgage HousePresent House MortgageConstruction Area ()115.76House Property Certificate No.Property OwnerLU JihongHouse Co-ownership Certificate No.Public AreaPublic Owners and SharesAssessment Value (Yuan)In capitalRMB four hundred and ninety two thousand nine hundred and five onlyIn number492,905.00Periodical HouseConstruction AreaProperty OwnerBeijing Commercial House Interior (Exterior) Presales Contract No.Assessment ValueIn capitalIn numberMortgagerLU JihongID Card No.350104680716001GuaranteeBeijing Haidian District Real Estate Management and Development Co., Ltd.MortgageeChina Construction Bank Beijing Xisi Sub-branchMortgager AgentID Card No.Mortgagee AgentID Card No.BorrowerLU JihongAmount (Yuan)390,000.00UsageHouse PurchaseMortgage RateThis time: 79.12 In total:Mortgage PeriodFrom ToArticle 55 Agreement on clause 19Clause 56 Agreement on clause 23Party A and Party B agree to adopt the third method which is to repair and renew pawns value.Clause 57 Agreement on clause 30 item 3Party A and Party B agree to adopt the third method which is to repair and renew pawns value.Clause 58 Agreement on clause 38 item 1The appropriated loan will be calculated interest as 5 hundred thousandth per day.Clause 59 Agreement on clause 38 item 2The delayed loan will be calculated interest as 2.1 ten thousandth per day.Clause 60 Agreement on clause 39If Party B fails to provide debt to Party A on time, Party B shall pay penalty in 0.55 ten thousandth penalty rate per day according to the loan amount and defaulting days.Clause 61 Agreement on clause 44Clause 62 Agreement on clause 45The contract serves in five copies.Party A: LU Jihong (signature)Party B: China Construction Bank Beijing Xisi Sub-branch (sealed)Legal Representative or Authorized Agent (signature): signatureParty C: Beijing Haidian District Real Estate Management and Development Co., Ltd. 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