正規(guī)借款合同

1、正規(guī)借款合同借款合同一合同編號：貸款方：借款方：保證方：(借款合同中應(yīng)否有保證方，應(yīng)視借款方是否具有銀行規(guī)定的一定比例的自有資金和適銷適用的物資、 財產(chǎn)，或者根據(jù)借貸一方或雙方是否提出擔(dān)保要求來確定。 )借款方為進行 _生產(chǎn) (或經(jīng)營活動 )，向貸款方申請借款，并聘請 _ 作為保證人，貸款方業(yè)已審查批準，經(jīng)三方 (或雙方 )協(xié)商，特訂立本合同，以便共同遵守。第一條貸款種類 _。第二條借款用途 _。第三條借款金額人民幣 (大寫 )_元整。第四條 借款利率 借款利息為千分之 _，利隨本清，如遇國家調(diào)整利率，按新規(guī)定計算。第五條借款和還款期限1.借款時間共 _年零 _個月，自 _年_月_日起，至 _

2、年_月_日止。借款分期如下：貸款期限貸款時間貸款金額第一期年 月底前元第二期年 月底前元第三期年 月底前元第六條還款資金來源及還款方式1.還款資金來源： _。2.還款方式 _。第七條保證條款1.借款方用 _做抵押，到期不能歸還貸款方的貸款，貸款方有權(quán)處理抵押品。借款方到期如數(shù)歸還貸款的，抵押品由貸款方退還給借款方。2.借款方必須按照借款合同規(guī)定的用途使用借款，不得挪作他用，不得用借款進行違法活動。3.借款方必須按合同規(guī)定的期限還本付息。4.借款方有義務(wù)接受貸款方的檢查、監(jiān)督貸款的使用情況，了解借款方的計劃執(zhí)行、經(jīng)營管理、財務(wù)活動、 物資庫存等情況。借款方應(yīng)提供有關(guān)的計劃、統(tǒng)計、財務(wù)會計報表及資

3、料。5.需要有保證人擔(dān)保時，保證人履行連帶責(zé)任后，有向借款方追償?shù)臋?quán)利，借款方有義務(wù)對保證人進行償還。6.由于經(jīng)營管理不善而關(guān)閉、破產(chǎn)，確實無法履行合同的，在處理財產(chǎn)時，除了按國家規(guī)定用于人員工資和必要的維護費用時，應(yīng)優(yōu)先償還貸款。由于上級主管部門決定關(guān)、停、并、轉(zhuǎn)或撤銷工程建設(shè)等措施，或者由于不可抗力的意外事故致使合同無法履行時，經(jīng)向貸款方申請，可以變更或解除合同，并免除承擔(dān)違約責(zé)任。第八條違約責(zé)任一、借款方的違約責(zé)任1.借款方不按合同規(guī)定的用途使用借款，貸款方有權(quán)收回部分或全部貸款，對違約使用的部分，按銀行規(guī)定的利率加收罰息。情節(jié)嚴重的，在一定時期內(nèi)，銀行可以停止發(fā)放新貸款。2.借款方如逾

4、期不還借款，貸款方有權(quán)追回借款，并按銀行規(guī)定加收罰息。借款方提前還款的，應(yīng)按規(guī)定減收利息。3.借款方使用借款造成損失浪費或利用借款合同進行違法活動的，貸款方應(yīng)追回貸款本息， 有關(guān)單位對直接責(zé)任人應(yīng)追究行政和經(jīng)濟責(zé)任。情節(jié)嚴重的，由司法機關(guān)追究刑事責(zé)任。二、貸款方的違約責(zé)任1.貸款方未按期提供貸款，應(yīng)按違約數(shù)額和延期天數(shù)，付給借款方違約金。違約金數(shù)額的計算應(yīng)與加收借款方的罰息計算相同。2.銀行、信用合作社的工作人員，因失職行為造成貸款損失浪費或利用借款合同進行違法活動的，應(yīng)追究行政和經(jīng)濟責(zé)任。 情節(jié)嚴重的，應(yīng)由司法機關(guān)追究刑事責(zé)任。第九條解決合同糾紛的方式：執(zhí)行本合同發(fā)生爭議，由當(dāng)事人雙方協(xié)商解

5、決。協(xié)商不成，雙方同意由 _仲裁委員會仲裁 (當(dāng)事人雙方不在本合同中約定仲裁機構(gòu)，事后又沒有達成書面仲裁協(xié)議的，可向人民法院起訴)。第十條其它本合同非因借款合同條例 規(guī)定允許變更或解除合同的情況發(fā)生，任何一方當(dāng)事人不得擅自變更或解除合同。當(dāng)事人一方依照借款合同條例要求變更或解除本借款合同時，應(yīng)及時采用書面形式通知其它當(dāng)事人，并達成書面協(xié)議。本合同變更或解除之后，借款方已占用的借款和應(yīng)付的利息，仍應(yīng)按本合同的規(guī)定償付。本合同如有未盡事宜， 須經(jīng)合同各方當(dāng)事人共同協(xié)商，作出補充規(guī)定，補充規(guī)定與本合同具有同等效力。本合同正本一式三份，貸款方、借款方、保證方各執(zhí)一份;合同副本一式 _，報送等有關(guān)單位(

6、如經(jīng)公證或鑒證，應(yīng)送公證或鑒證機關(guān) )各留存一份。貸款方： (公章 )代表人： (蓋章 )借款方： (公章 )代表人： (蓋章 )保證方： (公章 )代表人： (蓋章 )簽約日期：簽約地點：借款合同二借款人：borrower:貸款人：lender:抵押人：mortgagor:保證人：surety :出質(zhì)人：pledgeor:為明確各方權(quán)利和義務(wù)，根據(jù)合同法 、貸款通則和其他有關(guān)法律、法規(guī)，訂立本合同。this contract is made in line with the contract law of the peoples republic of china and the gener

7、al provisions of loans of the peoples bank of china to specify the rights and obligations of parties involved.借 貸 條 款loan borrowing clause第一條借款金額。見 36.1article 1. amount of loan: refer to 36.1第二條借款用途。見 36.2article 2. purpose of loan: refer to 36.2第三條借款期限。article 3. life of loan3.1 見 36.3。3.1 refer t

8、o 36.33.2 借據(jù)或貸款憑證是本合同不可分割的組成部分。借款的實際放款日和還款日以借款人、貸款人雙方辦理的借據(jù)或憑證上所記載的日期為準。除日期外，借據(jù)或憑證其他記載事項如與本合同不一致的，以本合同為準。3.2 a certificate of indebtedness or a loan voucher is an integral part of this contract. the date of advance and payment due date shall follow the date specified on the certificate of indebtednes

9、s or loan voucher . where there is any inconsistency between the stipulations on the certificate of indebtedness or loan voucher and the terms and conditions on this contract except date, the latter shall prevail.第四條借款劃付。在借款人辦妥借款手續(xù)后5 個營業(yè)日內(nèi)將全部款項劃至借款人指定的賬戶，劃付次數(shù)、時間、金額見36.4 。第五條 article 4 transferring o

10、f loan. the full amount of loan shall be transferred to an account designated by the borrower within 5 working days from the date of completing borrowing procedure. refer to 36.4 for the frequency, time and amount of transferring第五條借款利率和計息。article 5. interest rate of loan and calculation5.1 借款利率。本合同

11、項下借款利率根據(jù)國家有關(guān)規(guī)定，確定利率見 36.5 。遇利率調(diào)整時，借款期限在1 年(含)以下的，執(zhí)行合同利率，不分段計息 ;借款期限在1 年以上的，實行分段計息，從利率調(diào)整的次年1 月 1 日開始，按相應(yīng)利率的檔次執(zhí)行新的利率;如借款人未按約定時間歸還借款本息或未按合同約定用途使用借款，貸款人將按國家規(guī)定對借款人計收罰息，罰息率見36.6。5.1 interest rate of loan: the interest rate under this contract is specified in 36.5 in line with relevant rules. in case of ch

12、ange of interest rate, the interest rate stipulated in the contract shall prevail for loans with a life of less than or equal to one year; for loans with a life exceeding one year, the interest shall be calculated on a multi-stage basis, i.e. from next jan. 1st following the adjustment of interest r

13、ate, 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 sp

14、ecified in 36.6.5.2 遇利率調(diào)整時，實行分段計息的，貸款人有權(quán)根據(jù)國家有關(guān)規(guī)定自行調(diào)整，不另行通知借款人。5.2 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.第六條還款方式。article 6 type of repayment of

15、 loan6.1 借款人應(yīng)在貸款人開設(shè)帳戶，戶名和帳號見36.7 ，并保證在每次還款日前足額存入當(dāng)期應(yīng)還款項的存款。借款人在此授權(quán)貸款人從借款人該帳戶中扣收借款本金、利息和可能發(fā)生的復(fù)利、罰息、違約金、保費、損害賠償金及實現(xiàn)債權(quán)的費用(含律師費和訴訟費 )。如該帳戶資產(chǎn)不足以歸還到期的貸款本息，貸款人有權(quán)從借款人在中國工商銀行任何分支機構(gòu)開立的任何帳戶劃收。6.1 the borrower should open an account with the lender( the account name and account number are specified in 36.7.) and

16、 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 creditors right (including lawyers fee an

17、d 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.6.2 貸款人與借款人雙方商定，自貸款發(fā)放次月起，借款人按月歸還貸款本息

18、 (一次性還本付息除外 )，還款期數(shù)及還款方式見36.8 。6.2 the borrower shall repay the principal and interest on a monthly basis (except repaying principal and interest in a lump sum) from the second month following the issuing of loan , as agreed between the borrower and lender. the repayment tenors and type are specified

19、 in 36.8.6.3 借款期間遇利率調(diào)整， 如執(zhí)行本合同 5.1 條實行分段計息的，對借款期限在 1 年以上的，應(yīng)從利率調(diào)整的次年1 月 1 日開始根據(jù)未償還借款余額和剩余還款期數(shù)進行調(diào)整，重新計算還款金額。6.3 in case of multi-stage calculation of interest as specified in 5.1 due to adjustment of interest rate during the life of loan, the repayment amount for loans with a life exceeding one year s

20、hall be recalculated on the basis of balance of unpaid loan and the rest of repayment tenor from next jan. 1st following the adjustment of interest rate.6.4 借款人提前歸還貸款須經(jīng)貸款人書面同意，提前歸還部分的利息仍按本合同約定的利率和該部分實際使用天數(shù)計算。6.4 repayment of the loan ahead of schedule by the borrower shall be subject to written cons

21、ent from the lender. the interest of prepaid amount should be calculated on the basis of rate specified in this contract and actual days.第七條擔(dān)保方式。本合同的擔(dān)保人及擔(dān)保方式見36.9。具體約定由本合同中相應(yīng)的擔(dān)保條款確足。article 7 guaranty type. the guarantor and guaranty type under this contract is specified in 36.9. the specific stipulations are stated in corresponding guaranty clauses.第八條借款人的權(quán)利、義務(wù)。