個(gè)人或公司間的借款合同(2024版)

個(gè)人或公司間的借款合同(2024版)合同編號(hào)：__________個(gè)人或公司間的借款合同（2024版）姓名（或名稱）：____________________地址：_____________________________聯(lián)系電話：________________________姓名（或名稱）：____________________地址：_____________________________聯(lián)系電話：________________________鑒于借款人需要資金周轉(zhuǎn)，貸款人愿意向借款人提供借款，雙方為明確雙方的權(quán)利義務(wù)，經(jīng)友好協(xié)商，達(dá)成如下協(xié)議：一、借款金額1.借款人向貸款人借款人民幣（大寫）：____元整（小寫）：￥_____元。二、借款期限1.借款期限自______年______月______日起至______年______月______日止。2.借款人應(yīng)在借款期限屆滿前將本金及利息一次性還清。三、借款利率1.借款利率為年利率____%，按月計(jì)息。2.借款人應(yīng)按約定的還款方式按時(shí)支付利息。四、還款方式1.借款人應(yīng)按月分期償還本金及利息。2.還款金額及還款日期詳見(jiàn)附件《還款計(jì)劃表》。五、擔(dān)保1.本借款合同項(xiàng)下的借款無(wú)需提供擔(dān)保。六、違約責(zé)任1.借款人未按約定時(shí)間償還本金及利息的，應(yīng)按借款利率的____倍支付違約金。2.貸款人未按約定時(shí)間提供借款的，應(yīng)支付借款人借款金額的____%作為違約金。七、爭(zhēng)議解決1.本合同的解釋及履行發(fā)生的爭(zhēng)議，雙方應(yīng)友好協(xié)商解決；協(xié)商不成的，可以向有管轄權(quán)的人民法院起訴。八、其他約定1.本合同一式兩份，借款人和貸款人各執(zhí)一份。2.本合同自雙方簽字（或蓋章）之日起生效。借款人（簽字/蓋章）：____________________貸款人（簽字/蓋章）：____________________簽訂日期：______年______月______日附件：《還款計(jì)劃表》日期還款金額（元）剩余本金（元）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）______________________________________________________________________________________________________________________________（續(xù)表）____________________________________________________________________________________一、附件列表：1.還款計(jì)劃表2.借款人及貸款人身份證明文件3.借款人及貸款人財(cái)務(wù)狀況報(bào)告4.擔(dān)保協(xié)議（如有）5.借款合同履行過(guò)程中產(chǎn)生的其他相關(guān)文件二、違約行為及認(rèn)定：1.借款人未按約定時(shí)間償還本金及利息：借款人在約定的還款日期后未按時(shí)還款，或未按約定的還款方式償還本金及利息。2.貸款人未按約定時(shí)間提供借款：貸款人在約定的放款日期后未按時(shí)提供借款。3.借款人提供虛假信息：借款人在簽訂合同時(shí)提供虛假的身份、財(cái)務(wù)狀況等信息。4.擔(dān)保物不足值或失去擔(dān)保能力：如合同中設(shè)有擔(dān)保，擔(dān)保物價(jià)值不足以覆蓋借款本息，或擔(dān)保人失去擔(dān)保能力。三、法律名詞及解釋：1.借款金額：指借款人向貸款人申請(qǐng)借款的總額。2.借款期限：指借款合同約定的借款開始和結(jié)束的時(shí)間。3.借款利率：指借款人應(yīng)支付給貸款人的利息率。4.違約金：指借款人因違約行為應(yīng)支付給貸款人的賠償金。5.擔(dān)保：指借款人為保證借款合同的履行而提供的物質(zhì)或權(quán)利擔(dān)保。四、執(zhí)行中遇到的問(wèn)題及解決辦法：1.借款人未能按時(shí)還款：與借款人協(xié)商，制定新的還款計(jì)劃；如協(xié)商不成，可依法采取催收措施，甚至通過(guò)法律途徑追究違約責(zé)任。2.貸款人延遲放款：與貸款人溝通，了解延遲原因，爭(zhēng)取盡快放款；如因貸款人原因?qū)е卵舆t放款，可要求貸款人承擔(dān)相應(yīng)的違約責(zé)任。3.借款人提供虛假信息：立即終止合同，要求借