2025年度小額貸款業(yè)務(wù)利率鎖定協(xié)議范本3篇

20XX專業(yè)合同封面COUNTRACTCOVER20XX專業(yè)合同封面COUNTRACTCOVER甲方：XXX乙方：XXXPERSONALRESUMERESUME2024年度小額貸款業(yè)務(wù)利率鎖定協(xié)議范本本合同目錄一覽1.定義與解釋1.1定義1.2解釋2.貸款利率2.1利率類型2.2利率計算方法2.3利率調(diào)整機(jī)制3.貸款金額3.1貸款額度3.2貸款發(fā)放4.貸款期限4.1貸款期限類型4.2貸款期限計算5.還款方式5.1還款頻率5.2還款方式選擇6.利息計算6.1利息計算公式6.2利息支付方式7.貸款費用7.1貸款手續(xù)費7.2其他費用8.貸款條件8.1貸款申請條件8.2貸款審批條件9.保密條款9.1保密信息9.2保密義務(wù)10.合同變更10.1變更通知10.2變更生效11.合同解除11.1解除條件11.2解除程序12.違約責(zé)任12.1違約情形12.2違約責(zé)任承擔(dān)13.爭議解決13.1爭議解決方式13.2爭議解決程序14.其他14.1適用法律14.2通知方式14.3合同附件第一部分：合同如下：1.定義與解釋1.1定義1.1.1本協(xié)議中，“貸款人”指提供小額貸款的金融機(jī)構(gòu)或個人。1.1.2本協(xié)議中，“借款人”指向貸款人申請小額貸款的個人或企業(yè)。1.1.3本協(xié)議中，“利率”指貸款人向借款人收取的利息比率。1.1.4本協(xié)議中，“貸款期限”指借款人從貸款人處獲得貸款至全部還款完畢的時間期限。1.1.5本協(xié)議中，“貸款金額”指借款人從貸款人處獲得的貸款本金總額。1.2解釋1.2.1本協(xié)議的條款和定義應(yīng)按照本協(xié)議的上下文進(jìn)行解釋。1.2.2若對本協(xié)議的條款和定義存在歧義，貸款人具有最終解釋權(quán)。2.貸款利率2.1利率類型2.1.1本協(xié)議中，貸款利率為固定利率。2.1.2固定利率自貸款發(fā)放之日起至貸款全部還清之日止保持不變。2.2利率計算方法2.2.1利率以年利率計算，按日累加，每月結(jié)算一次。2.2.2利息計算公式為：利息=貸款本金×日利率×實際天數(shù)。2.3利率調(diào)整機(jī)制2.3.1本協(xié)議簽訂后，除非雙方另有約定，否則利率不得調(diào)整。3.貸款金額3.1貸款額度3.1.1借款人申請的貸款額度不得超過本協(xié)議約定的最高貸款額度。3.1.2最高貸款額度由貸款人根據(jù)借款人的信用狀況和還款能力確定。3.2貸款發(fā)放3.2.1貸款人應(yīng)在收到借款人申請之日起5個工作日內(nèi)完成貸款發(fā)放。3.2.2貸款發(fā)放方式為銀行轉(zhuǎn)賬。4.貸款期限4.1貸款期限類型4.1.1本協(xié)議中，貸款期限分為短期貸款和中長期貸款。4.2貸款期限計算4.2.1貸款期限自貸款發(fā)放之日起計算。4.2.2貸款期限到期日為貸款發(fā)放日后的一天。5.還款方式5.1還款頻率5.1.1本協(xié)議中，還款方式為等額本息還款法。5.1.2借款人每月需按約定的還款額進(jìn)行還款。5.2還款方式選擇5.2.1借款人可在貸款發(fā)放前選擇還款方式。5.2.2若借款人未選擇還款方式，貸款人將默認(rèn)采用等額本息還款法。6.利息計算6.1利息計算公式6.1.1利息計算公式為：利息=貸款本金×日利率×實際天數(shù)。6.2利息支付方式6.2.1借款人應(yīng)按月支付利息。6.2.2利息支付方式為銀行轉(zhuǎn)賬。7.貸款費用7.1貸款手續(xù)費7.1.1貸款手續(xù)費為貸款金額的1%。7.1.2貸款手續(xù)費在貸款發(fā)放時一次性收取。7.2其他費用7.2.1本協(xié)議中未列明的其他費用，雙方另有約定的，從其約定。8.貸款條件8.1貸款申請條件8.1.1借款人須為具有完全民事行為能力的自然人或企業(yè)。8.1.2借款人須提供有效的身份證明文件和貸款用途證明。8.2貸款審批條件8.2.1貸款人將對借款人的申請進(jìn)行審查，包括但不限于信用狀況、還款能力等。8.2.2貸款人有權(quán)根據(jù)審查結(jié)果決定是否批準(zhǔn)貸款申請。9.保密條款9.1保密信息9.1.1雙方在本協(xié)議項下所獲得的任何保密信息，包括但不限于財務(wù)數(shù)據(jù)、商業(yè)計劃、技術(shù)秘密等。9.2保密義務(wù)9.2.1雙方對本協(xié)議項下的保密信息負(fù)有保密義務(wù)，未經(jīng)對方同意，不得向任何第三方泄露或使用。10.合同變更10.1變更通知10.1.1一方欲變更本協(xié)議，應(yīng)提前30日以書面形式通知另一方。10.2變更生效10.2.1除非雙方另有約定，否則變更通知送達(dá)后，變更內(nèi)容自通知送達(dá)之日起生效。11.合同解除11.1解除條件11.1.1借款人未按時還款或違反本協(xié)議其他條款，貸款人有權(quán)解除本協(xié)議。11.2解除程序11.2.1貸款人應(yīng)書面通知借款人解除合同，并要求借款人立即償還貸款本息。11.2.2借款人收到解除通知后，應(yīng)立即停止使用貸款，并按照貸款人要求進(jìn)行還款。12.違約責(zé)任12.1違約情形12.1.1借款人未按時還款或未按照約定的還款方式還款。12.1.2借款人提供虛假信息或隱瞞重要事實。12.2違約責(zé)任承擔(dān)12.2.1借款人違反本協(xié)議條款，應(yīng)承擔(dān)相應(yīng)的違約責(zé)任，包括但不限于支付違約金和利息。12.2.2貸款人有權(quán)采取一切合法手段追討違約款項。13.爭議解決13.1爭議解決方式13.1.1雙方應(yīng)友好協(xié)商解決本協(xié)議項下的任何爭議。13.2爭議解決程序13.2.1若協(xié)商不成，任何一方均可向合同簽訂地人民法院提起訴訟。14.其他14.1適用法律14.1.1本協(xié)議適用中華人民共和國法律。14.2通知方式14.2.1除非另有約定，所有通知應(yīng)以書面形式發(fā)送至對方提供的地址。14.3合同附件14.3.1本協(xié)議的附件與本協(xié)議具有同等法律效力。第二部分：第三方介入后的修正15.第三方介入15.1第三方定義15.1.1本協(xié)議中“第三方”指在甲乙雙方業(yè)務(wù)往來中，為甲乙雙方提供中介服務(wù)、擔(dān)保、評估、咨詢等非直接貸款業(yè)務(wù)的機(jī)構(gòu)或個人。15.2第三方介入情形15.2.1.1貸款申請審核；15.2.1.2貸款發(fā)放；15.2.1.3貸款償還監(jiān)督；15.2.1.4貸款風(fēng)險控制；15.2.1.5其他經(jīng)甲乙雙方同意的業(yè)務(wù)環(huán)節(jié)。15.3第三方責(zé)任15.3.1第三方在介入業(yè)務(wù)環(huán)節(jié)時，應(yīng)遵守相關(guān)法律法規(guī)和本協(xié)議的約定。15.3.2第三方對甲乙雙方提供的資料和信息負(fù)有保密義務(wù)。15.4第三方權(quán)利15.4.1第三方有權(quán)根據(jù)甲乙雙方的要求，提供相應(yīng)的中介、擔(dān)保、評估、咨詢等服務(wù)。15.4.2第三方有權(quán)在服務(wù)過程中，根據(jù)實際情況提出合理化建議。16.第三方責(zé)任限額16.1第三方責(zé)任限額16.1.1第三方因履行本協(xié)議而產(chǎn)生的任何直接或間接損失，其責(zé)任限額為本協(xié)議項下貸款金額的一定比例，具體比例由甲乙雙方在協(xié)議中約定。16.1.2第三方責(zé)任限額不包括因自身故意或重大過失造成的損失。17.第三方與其他各方的劃分說明17.1第三方與甲方的劃分17.1.1第三方與甲方之間的關(guān)系由雙方另行簽訂的協(xié)議約定，與本協(xié)議無關(guān)。17.1.2甲方與本協(xié)議項下貸款相關(guān)的權(quán)利和義務(wù)不受第三方介入的影響。17.2第三方與乙方的劃分17.2.1第三方與乙方之間的關(guān)系由雙方另行簽訂的協(xié)議約定，與本協(xié)議無關(guān)。17.2.2乙方在本協(xié)議項下貸款的相關(guān)權(quán)利和義務(wù)，不受第三方介入的影響。17.3第三方與貸款人的劃分17.3.1第三方與貸款人之間的關(guān)系由雙方另行簽訂的協(xié)議約定，與本協(xié)議無關(guān)。17.3.2貸款人對乙方的貸款權(quán)利和義務(wù)，不受第三方介入的影響。18.第三方變更18.1第三方變更通知18.1.1若甲乙雙方需要更換第三方，應(yīng)提前30日以書面形式通知對方及貸款人。18.2第三方變更生效18.2.1第三方變更通知送達(dá)后，變更內(nèi)容自通知送達(dá)之日起生效。19.第三方退出19.1第三方退出條件19.1.1第三方因自身原因或甲乙雙方協(xié)商一致，可退出本協(xié)議。19.2第三方退出程序19.2.1第三方退出時，應(yīng)提前30日以書面形式通知甲乙雙方及貸款人。19.2.2第三方退出后，其之前介入的業(yè)務(wù)環(huán)節(jié)由甲乙雙方另行安排。第三部分：其他補充性說明和解釋說明一：附件列表：1.貸款申請表詳細(xì)要求：借款人需填寫完整的貸款申請表，包括個人或企業(yè)基本信息、貸款用途、還款能力等。說明：貸款申請表是貸款審批的重要依據(jù)。2.身份證明文件詳細(xì)要求：借款人需提供有效的身份證明文件，如身份證、營業(yè)執(zhí)照等。說明：身份證明文件用于核實借款人身份。3.貸款用途證明詳細(xì)要求：借款人需提供貸款用途證明，如購銷合同、工程合同等。說明：貸款用途證明用于確保貸款用于合法合規(guī)的用途。4.收入證明文件詳細(xì)要求：借款人需提供收入證明文件，如工資單、納稅證明等。說明：收入證明文件用于評估借款人的還款能力。5.信用報告詳細(xì)要求：借款人需提供近期的信用報告，顯示其信用狀況。說明：信用報告用于評估借款人的信用風(fēng)險。6.貸款合同詳細(xì)要求：貸款合同應(yīng)包括貸款金額、利率、期限、還款方式等條款。說明：貸款合同是甲乙雙方的權(quán)利和義務(wù)的法律依據(jù)。7.貸款支付憑證詳細(xì)要求：借款人需提供貸款支付憑證，證明貸款已發(fā)放。說明：貸款支付憑證用于核實貸款發(fā)放情況。8.還款計劃表詳細(xì)要求：借款人需制定還款計劃表，明確每月還款金額和時間。說明：還款計劃表用于監(jiān)督借款人按時還款。9.第三方服務(wù)協(xié)議詳細(xì)要求：若引入第三方，需簽訂第三方服務(wù)協(xié)議，明確雙方的權(quán)利和義務(wù)。說明：第三方服務(wù)協(xié)議是第三方介入業(yè)務(wù)的法律依據(jù)。說明二：違約行為及責(zé)任認(rèn)定：1.違約行為1.1借款人未按時還款1.2借款人未按約定用途使用貸款1.3借款人提供虛假信息1.4貸款人未按時發(fā)放貸款1.5第三方未履行保密義務(wù)2.違約責(zé)任認(rèn)定標(biāo)準(zhǔn)2.1借款人未按時還款：借款人應(yīng)支付逾期利息，并承擔(dān)相應(yīng)的違約金。2.2借款人未按約定用途使用貸款：借款人應(yīng)返還已使用的貸款，并承擔(dān)相應(yīng)的違約責(zé)任。2.3借款人提供虛假信息：借款人應(yīng)承擔(dān)相應(yīng)的法律責(zé)任，并賠償貸款人因此遭受的損失。2.4貸款人未按時發(fā)放貸款：貸款人應(yīng)支付違約金，并賠償借款人因此遭受的損失。2.5第三方未履行保密義務(wù)：第三方應(yīng)承擔(dān)相應(yīng)的法律責(zé)任，并賠償甲乙雙方因此遭受的損失。3.違約示例說明3.1借款人未按時還款：若借款人連續(xù)3個月未按時還款，貸款人有權(quán)解除合同，并要求借款人立即償還貸款本息。3.2借款人未按約定用途使用貸款：若借款人將貸款用于非法用途，貸款人有權(quán)解除合同，并要求借款人返還貸款本息，并承擔(dān)相應(yīng)的法律責(zé)任。3.3借款人提供虛假信息：若借款人提供虛假信息導(dǎo)致貸款人遭受損失，借款人應(yīng)賠償貸款人因此遭受的全部損失。3.4貸款人未按時發(fā)放貸款：若貸款人未按時發(fā)放貸款，借款人有權(quán)要求貸款人支付違約金，并賠償因此遭受的損失。3.5第三方未履行保密義務(wù)：若第三方泄露甲乙雙方的保密信息，第三方應(yīng)承擔(dān)相應(yīng)的法律責(zé)任，并賠償甲乙雙方因此遭受的損失。全文完。2024年度小額貸款業(yè)務(wù)利率鎖定協(xié)議范本1合同目錄一、協(xié)議概述1.1協(xié)議名稱1.2協(xié)議編號1.3協(xié)議簽訂日期1.4協(xié)議有效期1.5協(xié)議雙方基本信息二、利率鎖定原則2.1利率鎖定范圍2.2利率鎖定方式2.3利率鎖定期限2.4利率調(diào)整條件三、貸款金額及期限3.1貸款金額3.2貸款期限3.3還款方式四、利率鎖定執(zhí)行4.1利率鎖定生效條件4.2利率鎖定生效日期4.3利率鎖定調(diào)整通知4.4利率鎖定變更流程五、利率鎖定解除5.1利率鎖定解除條件5.2利率鎖定解除流程5.3利率鎖定解除日期六、利率鎖定費用6.1利率鎖定費用標(biāo)準(zhǔn)6.2利率鎖定費用支付方式6.3利率鎖定費用支付時間七、違約責(zé)任7.1協(xié)議違約情形7.2違約責(zé)任承擔(dān)7.3違約賠償標(biāo)準(zhǔn)八、爭議解決8.1爭議解決方式8.2爭議解決機(jī)構(gòu)8.3爭議解決程序九、協(xié)議變更與解除9.1協(xié)議變更條件9.2協(xié)議變更流程9.3協(xié)議解除條件9.4協(xié)議解除流程十、協(xié)議終止10.1協(xié)議終止條件10.2協(xié)議終止流程10.3協(xié)議終止日期十一、通知與送達(dá)11.1通知方式11.2送達(dá)地址11.3送達(dá)方式十二、其他約定12.1不可抗力12.2合同份數(shù)12.3合同生效十三、協(xié)議附件13.1附件一：貸款合同13.2附件二：利率鎖定表13.3附件三：其他相關(guān)文件十四、協(xié)議簽署14.1協(xié)議簽署人14.2協(xié)議簽署日期14.3協(xié)議簽署地點合同編號_________一、協(xié)議概述1.1協(xié)議名稱：2024年度小額貸款業(yè)務(wù)利率鎖定協(xié)議1.2協(xié)議編號：_______1.3協(xié)議簽訂日期：_______1.4協(xié)議有效期：自_______年_______月_______日起至_______年_______月_______日止1.5協(xié)議雙方基本信息：（1）甲方（貸款方）：_______（2）乙方（借款方）：_______二、利率鎖定原則2.1利率鎖定范圍：本協(xié)議涉及的貸款利率2.2利率鎖定方式：固定利率2.3利率鎖定期限：_______年2.4利率調(diào)整條件：根據(jù)中國人民銀行及相關(guān)部門的規(guī)定，利率調(diào)整時，乙方有權(quán)選擇繼續(xù)執(zhí)行原利率或調(diào)整至新的利率三、貸款金額及期限3.1貸款金額：_______元人民幣3.2貸款期限：_______個月3.3還款方式：等額本息或等額本金四、利率鎖定執(zhí)行4.1利率鎖定生效條件：本協(xié)議簽訂后，雙方簽署正式貸款合同，并完成貸款發(fā)放手續(xù)4.2利率鎖定生效日期：_______年_______月_______日4.3利率鎖定調(diào)整通知：甲方應(yīng)在利率調(diào)整前_______個工作日通知乙方4.4利率鎖定變更流程：乙方應(yīng)在接到利率調(diào)整通知后_______個工作日內(nèi)，書面確認(rèn)是否接受新的利率五、利率鎖定解除5.1利率鎖定解除條件：在利率鎖定期滿前，乙方提出解除利率鎖定，且甲方同意5.2利率鎖定解除流程：乙方需向甲方提出書面解除申請，甲方審核同意后，雙方簽署解除協(xié)議5.3利率鎖定解除日期：_______年_______月_______日六、利率鎖定費用6.1利率鎖定費用標(biāo)準(zhǔn)：_______元人民幣6.2利率鎖定費用支付方式：一次性支付6.3利率鎖定費用支付時間：本協(xié)議簽訂時七、違約責(zé)任7.1協(xié)議違約情形：（1）甲方未按約定提供貸款或利率調(diào)整通知（2）乙方未按約定支付利率鎖定費用（3）乙方未按約定履行還款義務(wù)7.2違約責(zé)任承擔(dān)：（1）甲方違約，應(yīng)向乙方支付_______元人民幣違約金（2）乙方違約，應(yīng)向甲方支付_______元人民幣違約金7.3違約賠償標(biāo)準(zhǔn)：（1）甲方違約導(dǎo)致乙方遭受損失的，甲方應(yīng)承擔(dān)相應(yīng)的賠償責(zé)任（2）乙方違約導(dǎo)致甲方遭受損失的，乙方應(yīng)承擔(dān)相應(yīng)的賠償責(zé)任八、爭議解決8.1爭議解決方式：雙方應(yīng)友好協(xié)商解決，協(xié)商不成的，任何一方均可向合同簽訂地人民法院提起訴訟。8.2爭議解決機(jī)構(gòu)：無8.3爭議解決程序：訴訟程序按我國相關(guān)法律法規(guī)執(zhí)行。九、協(xié)議變更與解除9.1協(xié)議變更條件：雙方協(xié)商一致，經(jīng)書面同意后，可對本協(xié)議進(jìn)行變更。9.2協(xié)議變更流程：變更內(nèi)容經(jīng)雙方確認(rèn)后，由雙方負(fù)責(zé)人或授權(quán)代表簽字蓋章，并作為本協(xié)議的附件。9.3協(xié)議解除條件：本協(xié)議約定的解除條件成就時，雙方可解除本協(xié)議。9.4協(xié)議解除流程：任何一方提出解除協(xié)議，應(yīng)提前_______個工作日通知對方，并書面確認(rèn)解除協(xié)議。十、協(xié)議終止10.1協(xié)議終止條件：本協(xié)議約定的終止條件成就時，協(xié)議終止。10.2協(xié)議終止流程：協(xié)議終止后，雙方應(yīng)進(jìn)行清算，并妥善處理未了事項。10.3協(xié)議終止日期：_______年_______月_______日十一、通知與送達(dá)11.1通知方式：書面通知、傳真、電子郵件等11.2送達(dá)地址：雙方在協(xié)議中指定的地址11.3送達(dá)方式：通過郵寄、直接交付或雙方認(rèn)可的其它方式十二、其他約定12.1不可抗力：因不可抗力導(dǎo)致本協(xié)議無法履行或部分履行時，雙方互不承擔(dān)責(zé)任，但應(yīng)及時通知對方。12.2合同份數(shù)：本協(xié)議一式_______份，甲乙雙方各執(zhí)_______份，具有同等法律效力。12.3合同生效：本協(xié)議自雙方簽字蓋章之日起生效。十三、協(xié)議附件13.1附件一：貸款合同13.2附件二：利率鎖定表13.3附件三：其他相關(guān)文件十四、協(xié)議簽署14.1協(xié)議簽署人：甲方（貸款方）_______14.2協(xié)議簽署日期：_______年_______月_______日14.3協(xié)議簽署地點：_______甲方（貸款方）：_________________乙方（借款方）：_________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________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