英文版小額貸款合同范本

英文版小額貸款合同范本合同編號(hào)：__________partiesthisagreement(hereinafterreferredtoasthe"contract")isenteredintoasof__________(the"effectivedate"),andbetween:referencesto"thiscontract","herein","hereof"or"underthiscontract"unlessthecontextotherwiserequires,shallbeconstruedasreferencestothiscontractasawholeandnottoanyparticularclause,scheduleorparthereof.articles1.loanamountandterm1.1thelenderagreestolendtotheborrowerasumofmoneyuptotheaggregateprincipalamountof__________(the"loanamount")onthetermsandconditionssetforthinthiscontract.1.2theloanshallbeevidencedapromissorynote("promissorynote")intheformattachedheretoasschedule1.thelendershalldeliverthepromissorynotetotheborrowerupontheexecutionofthiscontract.2.interest2.1theborrowershallpayinterestontheoutstandingprincipalamountoftheloanfromtheeffectivedateuntilthematuritydateatanannualinterestrateof__________percentagepointsabovethelendingratesetthepeople'sbankofchinafromtimetotime(the"primelendingrate").3.repayment3.1theborrowershallrepaytheoutstandingprincipalamountoftheloan,togetherwithallaccruedandunpaidinterestthereon,inaccordancewiththerepaymentschedulesetforthinschedule2attachedhereto(the"repaymentschedule").3.2theborrowershallmakeallpaymentsunderthiscontractwiretransfertothelender'sdesignatedaccount,orsuchothermeansasthelendermayagreeinwriting.4.conditions4.1theobligationsofthelendertomaketheloanandoftheborrowertorepaytheloanunderthiscontractareconditionaluponthesatisfactionofthefollowingconditions:(a)theexecutionanddeliveryofthiscontractandthepromissorynotetheparties;(b)theaccuracyofallrepresentationsandwarrantiesmadetheborrowerinthiscontract;(c)thelender'sreceiptofallconsents,approvals,licensesandfranchisesnecessaryorappropriatetothelender'sexecutionanddeliveryofthiscontractandthepromissorynoteandthelender'sconsummationofthetransactionscontemplatedhere;and(d)thelender'sdetermination,initssolediscretion,thattheborroweriscreditworthyandhastheabilitytorepaytheloan.5.representationsandwarranties5.1theborrowerrepresentsandwarrantstothelenderasfollows:(a)theborrowerisalegalentitydulyorganizedandvalidlyexistingunderthelawsofthepeople'srepublicofchinaandhasthepowerandauthoritytoenterintoandperformitsobligationsunderthiscontract;(b)theborrowerisdulyqualified,licensedandingoodstandingunderthelawsofthejurisdictioninwhichitisincorporatedororganizedandisdulyqualifiedtodobusinessandingoodstandinginallotherjurisdictionsinwhichitsbusinessrequiressuchqualification;(c)theborrowerhasthepowerandauthoritytoexecuteanddeliverthiscontractandthepromissorynoteandtoperformitsobligationsunderthiscontract;(d)theexecutionanddeliveryofthiscontractandthepromissorynotetheborrowerandtheperformancetheborrowerofitsobligationsunderthiscontracthavebeendulyauthorizedallnecessarycorporateorotherorganizationalactiononthepartoftheborrower;(e)thiscontractandthepromissorynoteconstitutesthelegal,validandbindingobligationoftheborrower,enforceableagainsttheborrowerinaccordancewithitsterms,exceptassuchenforceabilitymaybelimitedapplicablebankruptcy,insolvencyorreorganizationlaws;(f一、附件列表：1.合同編號(hào)：__________2.借方（借款人）身份證件或營(yíng)業(yè)執(zhí)照副本3.貸方（貸款人）身份證件或營(yíng)業(yè)執(zhí)照副本4.借方（借款人）財(cái)務(wù)報(bào)表5.貸方（貸款人）財(cái)務(wù)報(bào)表6.貸款申請(qǐng)表7.貸款用途證明文件8.擔(dān)保文件（如有）9.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：2.借款人提供虛假信息或隱瞞重要事實(shí)，視為違約。3.借款人違反合同約定的其他條款，視為違約。5.貸款人未按約定提供服務(wù)或未達(dá)到約定服務(wù)質(zhì)量，視為違約。6.合同履行過(guò)程中產(chǎn)生其他違約行為，雙方可協(xié)商解決或按法律規(guī)定處理。三、法律名詞及解釋：1.借款人：指承擔(dān)貸款還款義務(wù)的自然人、法人或其他組織。2.貸款人：指提供貸款的自然人、法人或其他組織。3.貸款金額：指合同約定的借款人可獲得的貸款最高額度。4.貸款期限：指合同約定的借款人還款期限。5.利息：指借款人按約定支付給貸款人的借款使用費(fèi)。6.違約金：指借款人因違約行為需支付給貸款人的賠償金。7.擔(dān)保：指為保證借款人履行還款義務(wù)，提供的財(cái)產(chǎn)或信用擔(dān)保。四、執(zhí)行中遇到的問(wèn)題及解決辦法：1.借款人未按約定時(shí)間還款：解決辦法：貸款人可與借款人協(xié)商延期還款或分批次還款，必要時(shí)可依法采取催收措施。2.借款人提供虛假信息或隱瞞重要事實(shí)：解決辦法：貸款人可要求借款人立即糾正，并依法追究其法律責(zé)任。3.借款人違反合同約定的其他條款：解決辦法：貸款人可要求借款人立即糾正，并依法追究其法律