二零二五年度房屋抵押擔(dān)保企業(yè)科技創(chuàng)新貸款協(xié)議3篇

20XX專業(yè)合同封面COUNTRACTCOVER20XX專業(yè)合同封面COUNTRACTCOVER甲方：XXX乙方：XXXPERSONALRESUMERESUME二零二五年度房屋抵押擔(dān)保企業(yè)科技創(chuàng)新貸款協(xié)議合同編號_________一、合同主體1.1甲方（貸款方）：名稱：__________地址：__________聯(lián)系人：__________聯(lián)系電話：__________1.2乙方（借款方）：名稱：__________地址：__________聯(lián)系人：__________聯(lián)系電話：__________1.3其他相關(guān)方：（如有其他相關(guān)方，請在此處填寫）二、合同前言2.1背景：為促進(jìn)我國企業(yè)科技創(chuàng)新，推動產(chǎn)業(yè)結(jié)構(gòu)優(yōu)化升級，根據(jù)國家相關(guān)政策和規(guī)定，甲方?jīng)Q定向乙方提供科技創(chuàng)新貸款。2.2目的：本協(xié)議旨在明確甲方與乙方之間的權(quán)利義務(wù)，確?？萍紕?chuàng)新貸款的順利發(fā)放和回收，促進(jìn)雙方合作共贏。三、定義與解釋3.1專業(yè)術(shù)語：（1）房屋抵押：指乙方以其名下房屋作為抵押物，向甲方提供擔(dān)保。（2）科技創(chuàng)新貸款：指甲方為支持乙方科技創(chuàng)新活動，向乙方提供的專項貸款。3.2關(guān)鍵詞解釋：（1）貸款額度：指本協(xié)議約定的乙方從甲方獲得的貸款總額。（2）貸款期限：指本協(xié)議約定的乙方還款期限。（3）利息：指乙方按照約定向甲方支付的貸款利息。（4）違約金：指乙方未按約定履行還款義務(wù)，應(yīng)向甲方支付的違約金。四、權(quán)利與義務(wù)4.1甲方的權(quán)利和義務(wù)：（1）甲方有權(quán)根據(jù)乙方提供的擔(dān)保物及還款能力，決定是否發(fā)放貸款。（2）甲方有權(quán)要求乙方提供貸款用途的相關(guān)證明材料。（3）甲方有權(quán)監(jiān)督乙方的貸款使用情況，確保貸款用于科技創(chuàng)新項目。（4）甲方有權(quán)按照約定收取貸款利息和違約金。4.2乙方的權(quán)利和義務(wù)：（1）乙方有權(quán)按照本協(xié)議約定向甲方申請貸款。（2）乙方應(yīng)按照約定用途使用貸款，不得挪用或轉(zhuǎn)借。（3）乙方應(yīng)按照約定及時、足額償還貸款本金和利息。（4）乙方應(yīng)按時提供貸款用途的相關(guān)證明材料。五、履行條款5.1合同履行時間：本協(xié)議自雙方簽字蓋章之日起生效，貸款期限為__________年。5.2合同履行地點(diǎn)：本協(xié)議履行地點(diǎn)為：__________5.3合同履行方式：（1）乙方應(yīng)按照本協(xié)議約定向甲方申請貸款。（2）甲方應(yīng)在收到乙方申請后，按照約定審批貸款。（3）乙方應(yīng)在貸款發(fā)放后，按照約定用途使用貸款。（4）乙方應(yīng)按照約定及時、足額償還貸款本金和利息。六、合同的生效和終止6.1生效條件：本協(xié)議經(jīng)雙方簽字蓋章后生效。6.2終止條件：（1）貸款期限屆滿，乙方已償還全部貸款本金和利息。（2）雙方協(xié)商一致，終止本協(xié)議。（3）因不可抗力導(dǎo)致本協(xié)議無法履行。6.3終止程序：（1）雙方協(xié)商一致終止本協(xié)議的，應(yīng)書面通知對方。（2）因不可抗力導(dǎo)致本協(xié)議無法履行的，雙方應(yīng)提供相關(guān)證明材料。6.4終止后果：（1）貸款期限屆滿，乙方未償還全部貸款本金和利息的，甲方有權(quán)依法行使抵押權(quán)。（2）雙方終止本協(xié)議的，應(yīng)按照約定處理剩余貸款本金和利息。（3）因不可抗力導(dǎo)致本協(xié)議無法履行的，雙方互不承擔(dān)責(zé)任。七、費(fèi)用與支付7.1費(fèi)用構(gòu)成：（1）貸款利息：按照約定的利率計算，乙方應(yīng)按月支付利息。（2）抵押物評估費(fèi)用：乙方因抵押房屋而發(fā)生的評估費(fèi)用，由乙方承擔(dān)。（3）抵押登記費(fèi)用：乙方因抵押登記而產(chǎn)生的相關(guān)費(fèi)用，由乙方承擔(dān)。（4）其他費(fèi)用：根據(jù)雙方協(xié)商一致的其他費(fèi)用。7.2支付方式：乙方應(yīng)通過銀行轉(zhuǎn)賬方式向甲方支付各項費(fèi)用，具體賬戶信息由甲方提供。7.3支付時間：（1）貸款利息：乙方應(yīng)在每月的指定日期前支付當(dāng)月利息。（2）其他費(fèi)用：乙方應(yīng)在費(fèi)用發(fā)生后的指定日期前支付相應(yīng)費(fèi)用。7.4支付條款：（1）乙方應(yīng)在支付費(fèi)用時，確保資金足額到賬。（2）甲方有權(quán)要求乙方提供支付憑證，以確認(rèn)費(fèi)用已支付。八、違約責(zé)任8.1甲方違約：（1）甲方未按時發(fā)放貸款的，應(yīng)向乙方支付違約金，違約金按貸款金額的__________%計算。（2）甲方違反保密條款的，應(yīng)承擔(dān)相應(yīng)的法律責(zé)任。8.2乙方違約：（1）乙方未按時償還貸款本金的，應(yīng)向甲方支付違約金，違約金按逾期本金金額的__________%計算。（2）乙方未按時支付利息的，應(yīng)向甲方支付違約金，違約金按逾期利息金額的__________%計算。（3）乙方挪用貸款資金的，應(yīng)立即歸還挪用部分，并支付相應(yīng)違約金。8.3賠償金額和方式：（1）違約金的具體金額由雙方協(xié)商確定，并在本協(xié)議中明確。（2）賠償方式為現(xiàn)金支付，乙方應(yīng)在收到甲方書面通知后__________日內(nèi)支付。九、保密條款9.1保密內(nèi)容：本協(xié)議項下的保密內(nèi)容包括但不限于貸款金額、利率、還款計劃、抵押物信息等。9.2保密期限：本保密條款的保密期限自本協(xié)議簽訂之日起至貸款全部償還完畢之日止。9.3保密履行方式：（1）雙方應(yīng)采取合理措施，確保保密內(nèi)容的保密性。（2）未經(jīng)對方同意，任何一方不得向第三方泄露保密內(nèi)容。十、不可抗力10.1不可抗力定義：不可抗力是指不能預(yù)見、不能避免并不能克服的客觀情況，包括自然災(zāi)害、社會事件等。10.2不可抗力事件：（1）地震、洪水、臺風(fēng)等自然災(zāi)害。（2）戰(zhàn)爭、動亂、政府行為等社會事件。10.3不可抗力發(fā)生時的責(zé)任和義務(wù)：（1）發(fā)生不可抗力事件時，雙方應(yīng)及時通知對方。（2）不可抗力事件導(dǎo)致本協(xié)議無法履行的，雙方互不承擔(dān)責(zé)任。10.4不可抗力實例：（1）地震導(dǎo)致貸款項目無法繼續(xù)進(jìn)行的。（2）戰(zhàn)爭導(dǎo)致甲方無法繼續(xù)履行貸款發(fā)放義務(wù)的。十一、爭議解決11.1協(xié)商解決：雙方應(yīng)友好協(xié)商解決本協(xié)議項下產(chǎn)生的爭議。11.2調(diào)解、仲裁或訴訟：（1）協(xié)商不成時，雙方可提交仲裁委員會仲裁。（2）仲裁不成時，任何一方均有權(quán)向有管轄權(quán)的人民法院提起訴訟。十二、合同的轉(zhuǎn)讓12.1轉(zhuǎn)讓規(guī)定：（1）未經(jīng)對方同意，任何一方不得轉(zhuǎn)讓本協(xié)議項下的權(quán)利和義務(wù)。（2）雙方同意，在特定情況下，經(jīng)對方書面同意，可以轉(zhuǎn)讓部分或全部權(quán)利和義務(wù)。12.2不得轉(zhuǎn)讓的情形：（1）涉及國家秘密或商業(yè)秘密的內(nèi)容。（2）本協(xié)議項下的權(quán)利和義務(wù)與特定主體或財產(chǎn)相關(guān)的。十三、權(quán)利的保留13.1權(quán)力保留：（1）本協(xié)議簽訂后，甲方保留對乙方貸款用途的監(jiān)督權(quán)。（2）本協(xié)議簽訂后，甲方保留對乙方財務(wù)狀況的審查權(quán)。13.2特殊權(quán)力保留：（1）如乙方違反本協(xié)議約定，甲方有權(quán)采取法律手段維護(hù)自身權(quán)益。（2）如乙方破產(chǎn)或清算，甲方有權(quán)優(yōu)先受償。十四、合同的修改和補(bǔ)充14.1修改和補(bǔ)充程序：（1）對本協(xié)議的修改和補(bǔ)充，應(yīng)經(jīng)雙方協(xié)商一致。（2）修改和補(bǔ)充內(nèi)容應(yīng)以書面形式進(jìn)行。14.2修改和補(bǔ)充效力：（1）修改和補(bǔ)充內(nèi)容與本協(xié)議具有同等法律效力。（2）修改和補(bǔ)充內(nèi)容自雙方簽字蓋章之日起生效。十五、協(xié)助與配合15.1相互協(xié)作事項：（1）雙方應(yīng)相互提供必要的協(xié)助，確保本協(xié)議的履行。（2）雙方應(yīng)就本協(xié)議的履行情況保持溝通，及時解決問題。15.2協(xié)作與配合方式：（1）雙方應(yīng)通過書面或口頭方式保持溝通。（2）雙方應(yīng)按照約定的時間、地點(diǎn)和方式進(jìn)行協(xié)作。十六、其他條款16.1法律適用：本協(xié)議適用中華人民共和國法律。16.2合同的完整性和獨(dú)立性：本協(xié)議構(gòu)成雙方之間關(guān)于本協(xié)議項下權(quán)利和義務(wù)的完整協(xié)議，并取代此前所有口頭或書面協(xié)議。16.3增減條款：本協(xié)議的增減條款，需經(jīng)雙方協(xié)商一致，并以書面形式進(jìn)行。十七、簽字、日期、蓋章甲方（貸款方）：（簽字）__________（日期）__________（蓋章）__________乙方（借款方）：（簽字）__________（日期）__________（蓋章）__________附件及其他說明解釋一、附件列表：1.房屋抵押合同2.抵押物評估報告3.貸款用途證明材料4.甲方授權(quán)委托書（如有）5.乙方營業(yè)執(zhí)照副本6.乙方財務(wù)報表（近三年）7.乙方信用報告8.乙方還款計劃9.雙方協(xié)商一致的修改和補(bǔ)充文件10.爭議解決過程中的相關(guān)文件二、違約行為及認(rèn)定：1.甲方違約行為及認(rèn)定：未按時發(fā)放貸款：認(rèn)定甲方違約，應(yīng)支付違約金。違反保密條款：認(rèn)定甲方違約，應(yīng)承擔(dān)法律責(zé)任。2.乙方違約行為及認(rèn)定：未按時償還貸款本金：認(rèn)定乙方違約，應(yīng)支付違約金。未按時支付利息：認(rèn)定乙方違約，應(yīng)支付違約金。挪用貸款資金：認(rèn)定乙方違約，應(yīng)立即歸還挪用部分，并支付違約金。未按約定用途使用貸款：認(rèn)定乙方違約，應(yīng)停止使用并承擔(dān)相應(yīng)責(zé)任。三、法律名詞及解釋：1.抵押：指債務(wù)人或第三人為擔(dān)保債務(wù)的履行，將其財產(chǎn)權(quán)利轉(zhuǎn)移給債權(quán)人占有，債務(wù)履行后，該財產(chǎn)權(quán)利轉(zhuǎn)移回債務(wù)人或第三人。2.不可抗力：指不能預(yù)見、不能避免并不能克服的客觀情況，如自然災(zāi)害、社會事件等。3.違約金：指當(dāng)事人一方違反合同約定，應(yīng)向?qū)Ψ街Ц兑欢〝?shù)額的金錢。4.仲裁：指當(dāng)事人根據(jù)仲裁協(xié)議，將爭議提交仲裁機(jī)構(gòu)進(jìn)行裁決。5.訴訟：指當(dāng)事人根據(jù)法律規(guī)定，通過人民法院解決爭議。四、執(zhí)行中遇到的問題及解決辦法：1.問題：貸款發(fā)放后，乙方未按約定用途使用貸款。解決辦法：甲方有權(quán)要求乙方提供貸款用途證明，如發(fā)現(xiàn)違規(guī)使用，可要求乙方停止使用并承擔(dān)相應(yīng)責(zé)任。2.問題：乙方財務(wù)狀況惡化，無法按時償還貸款。解決辦法：甲方有權(quán)要求乙方提供財務(wù)狀況證明，如確有困難，雙方可協(xié)商延期還款或調(diào)整還款計劃。3.問題：抵押房屋價值下降，不足以覆蓋貸款金額。解決辦法：甲方有權(quán)要求乙方提供抵押物價值評估報告，如抵押物價值低于貸款金額，乙方應(yīng)提供補(bǔ)充擔(dān)保。4.問題：發(fā)生不可抗力事件，影響貸款履約。解決辦法：雙方應(yīng)根據(jù)不可抗力事件的具體情況，協(xié)商解決貸款履約問題。如無法解決，可按本協(xié)議第十條“不可抗力”的相關(guān)規(guī)定處理。多方為主導(dǎo)的條款說明解釋一、增加第三方合同主體的基礎(chǔ)上。重新詳細(xì)規(guī)劃第三方的責(zé)權(quán)利等相關(guān)條款1.第三方定義：本協(xié)議中的第三方，指在甲方與乙方之間提供擔(dān)保、咨詢、評估或其他相關(guān)服務(wù)的獨(dú)立第三方。2.第三方責(zé)任：第三方應(yīng)按照合同約定，履行其職責(zé)，確保其提供的服務(wù)符合相關(guān)法律法規(guī)和行業(yè)標(biāo)準(zhǔn)。3.第三方權(quán)利：第三方有權(quán)要求甲方和乙方提供必要的信息和文件，以便其履行職責(zé)。4.第三方義務(wù)：第三方應(yīng)保守甲乙雙方的商業(yè)秘密，不得泄露給任何第三方。5.第三方報酬：第三方的報酬由雙方另行協(xié)商確定，并在合同中明確。二、以乙方的權(quán)益為主導(dǎo)，以乙方的責(zé)權(quán)利為優(yōu)先，增加乙方的權(quán)利條款以及乙方的多種利益條款，同時增加甲方的違約及限制條款1.乙方權(quán)利條款：乙方有權(quán)要求甲方按照合同約定提供貸款。乙方有權(quán)要求甲方在貸款期間提供必要的咨詢和服務(wù)。乙方有權(quán)在貸款期間調(diào)整還款計劃，但需提前通知甲方。2.乙方利益條款：乙方有權(quán)在貸款期間享受甲方提供的優(yōu)惠利率。乙方有權(quán)在貸款期間享受甲方提供的風(fēng)險管理服務(wù)。3.甲方的違約及限制條款：甲方不得擅自提高貸款利率。甲方不得擅自改變貸款用途。甲方不得在未經(jīng)乙方同意的情況下，將貸款債權(quán)轉(zhuǎn)讓給第三方。三、以甲方的權(quán)益為主導(dǎo)，以甲方的責(zé)權(quán)利為優(yōu)先，增加甲方的權(quán)利條款以及甲方的多種利益條款，同時增加乙方的違約及限制條款1.甲方的權(quán)利條款：甲方可要求乙方提供貸款用途證明。甲方可要求乙方提供財務(wù)狀況報告。甲方可要求乙方在貸款期間提供必要的擔(dān)保。2.甲方的利益條款：甲方可享受乙方提供的抵押物價值。甲方可享受乙方提供的還款保障。3.乙方的違約及限制條款：乙方不得挪用貸款資金。乙方不得將貸款債權(quán)轉(zhuǎn)讓給第三方。乙方不得在貸款期間進(jìn)行高風(fēng)險投資。全文完。二零二五年度房屋抵押擔(dān)保企業(yè)科技創(chuàng)新貸款協(xié)議1合同目錄第一章協(xié)議概述1.1協(xié)議名稱1.2協(xié)議簽訂日期1.3協(xié)議雙方1.4協(xié)議背景1.5協(xié)議目的第二章貸款基本信息2.1貸款金額2.2貸款期限2.3貸款利率2.4還款方式2.5貸款用途第三章抵押物信息3.1抵押物名稱3.2抵押物所在地3.3抵押物價值3.4抵押物權(quán)屬證明3.5抵押物評估第四章?lián)７绞?.1擔(dān)保方式選擇4.2擔(dān)保人信息4.3擔(dān)保范圍4.4擔(dān)保期限4.5擔(dān)保責(zé)任第五章科技創(chuàng)新項目5.1項目名稱5.2項目簡介5.3項目實施周期5.4項目預(yù)期成果5.5項目預(yù)算第六章貸款發(fā)放與使用6.1貸款發(fā)放條件6.2貸款發(fā)放時間6.3貸款使用監(jiān)管6.4貸款使用審計第七章還款計劃7.1還款計劃表7.2還款時間節(jié)點(diǎn)7.3還款金額7.4還款方式變更第八章違約責(zé)任8.1違約情形8.2違約責(zé)任承擔(dān)8.3違約糾紛解決第九章保密條款9.1保密內(nèi)容9.2保密期限9.3保密責(zé)任第十章法律適用與爭議解決10.1法律適用10.2爭議解決方式10.3爭議解決地點(diǎn)第十一章合同生效與解除11.1合同生效條件11.2合同解除條件11.3合同解除程序第十二章其他約定12.1通知方式12.2不可抗力12.3合同附件第十三章合同附件13.1抵押物權(quán)屬證明文件13.2擔(dān)保合同13.3科技創(chuàng)新項目相關(guān)文件13.4其他相關(guān)文件第十四章合同簽署與生效日期14.1簽署日期14.2簽署人信息合同編號202501第一章協(xié)議概述1.1協(xié)議名稱本協(xié)議名稱為“二零二五年度房屋抵押擔(dān)保企業(yè)科技創(chuàng)新貸款協(xié)議”。1.2協(xié)議簽訂日期本協(xié)議簽訂日期為二零二五年一月一日。1.3協(xié)議雙方甲方（貸款方）：[貸款方全稱]乙方（借款方）：[借款方全稱]1.4協(xié)議背景鑒于甲方同意向乙方提供科技創(chuàng)新貸款，乙方以其擁有的房屋作為抵押擔(dān)保，雙方經(jīng)友好協(xié)商，達(dá)成如下協(xié)議。1.5協(xié)議目的本協(xié)議的目的是明確雙方在科技創(chuàng)新貸款中的權(quán)利、義務(wù)和責(zé)任，確保貸款的合規(guī)、安全使用，并促進(jìn)乙方的科技創(chuàng)新項目順利實施。第二章貸款基本信息2.1貸款金額乙方擬向甲方申請的貸款金額為人民幣[貸款金額]元。2.2貸款期限本貸款期限為[貸款期限]，自貸款發(fā)放之日起計算。2.3貸款利率本貸款利率為[貸款利率]，按中國人民銀行規(guī)定的同期貸款基準(zhǔn)利率執(zhí)行。2.4還款方式本貸款采用等額本息還款方式。2.5貸款用途乙方承諾將本貸款用于[貸款用途]。第三章抵押物信息3.1抵押物名稱抵押物名稱為[抵押物名稱]。3.2抵押物所在地抵押物位于[抵押物所在地]。3.3抵押物價值抵押物評估價值為人民幣[抵押物價值]元。3.4抵押物權(quán)屬證明乙方應(yīng)向甲方提供抵押物的權(quán)屬證明文件。3.5抵押物評估乙方應(yīng)委托具有相應(yīng)資質(zhì)的評估機(jī)構(gòu)對本抵押物進(jìn)行評估，并將評估報告提交甲方。第四章?lián)７绞?.1擔(dān)保方式選擇本貸款采用房屋抵押擔(dān)保方式。4.2擔(dān)保人信息擔(dān)保人為[擔(dān)保人全稱]。4.3擔(dān)保范圍擔(dān)保范圍包括本貸款的全部本金、利息、罰息、違約金及其他相關(guān)費(fèi)用。4.4擔(dān)保期限擔(dān)保期限為本貸款期限。4.5擔(dān)保責(zé)任擔(dān)保人應(yīng)承擔(dān)連帶責(zé)任，對乙方未能履行還款義務(wù)的部分，擔(dān)保人應(yīng)承擔(dān)相應(yīng)的擔(dān)保責(zé)任。第五章科技創(chuàng)新項目5.1項目名稱科技創(chuàng)新項目名稱為[項目名稱]。5.2項目簡介[項目簡介內(nèi)容]5.3項目實施周期項目實施周期為[項目實施周期]。5.4項目預(yù)期成果項目預(yù)期成果為[項目預(yù)期成果]。5.5項目預(yù)算項目預(yù)算為人民幣[項目預(yù)算]元。第六章貸款發(fā)放與使用6.1貸款發(fā)放條件（1）乙方已與甲方簽訂本協(xié)議；（2）乙方已提供抵押物權(quán)屬證明文件；（3）乙方已提供科技創(chuàng)新項目相關(guān)文件；（4）甲方認(rèn)為乙方具備償還貸款的能力。6.2貸款發(fā)放時間貸款發(fā)放時間為[貸款發(fā)放時間]。6.3貸款使用監(jiān)管甲方有權(quán)對乙方使用貸款的情況進(jìn)行監(jiān)管，乙方應(yīng)按照甲方的要求提供相關(guān)財務(wù)報表和項目進(jìn)展報告。6.4貸款使用審計本貸款使用情況將接受[審計機(jī)構(gòu)名稱]的審計。第七章還款計劃7.1還款計劃表[還款計劃表內(nèi)容]7.2還款時間節(jié)點(diǎn)[還款時間節(jié)點(diǎn)內(nèi)容]7.3還款金額[還款金額內(nèi)容]7.4還款方式變更如需變更還款方式，雙方應(yīng)協(xié)商一致，并簽訂補(bǔ)充協(xié)議。第八章違約責(zé)任8.1違約情形（1）乙方未按約定時間還款；（2）乙方未按約定用途使用貸款；（3）乙方提供虛假信息或隱瞞重要事實；（4）抵押物權(quán)屬發(fā)生爭議或抵押物價值減少；（5）擔(dān)保人未履行擔(dān)保責(zé)任。8.2違約責(zé)任承擔(dān)（1）支付違約金；（2）賠償守約方因此遭受的損失；（3）履行本協(xié)議約定的其他補(bǔ)救措施。8.3違約糾紛解決因本協(xié)議引起的或與本協(xié)議有關(guān)的任何爭議，應(yīng)通過友好協(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。第九章保密條款9.1保密內(nèi)容雙方對本協(xié)議內(nèi)容以及與本協(xié)議有關(guān)的信息負(fù)有保密義務(wù)。9.2保密期限保密期限自本協(xié)議簽訂之日起至本協(xié)議終止后[保密期限]年。9.3保密責(zé)任任何一方違反保密義務(wù)，應(yīng)承擔(dān)相應(yīng)的法律責(zé)任。第十章法律適用與爭議解決10.1法律適用本協(xié)議適用中華人民共和國法律。10.2爭議解決方式因本協(xié)議引起的或與本協(xié)議有關(guān)的任何爭議，應(yīng)通過友好協(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。第十一章合同生效與解除11.1合同生效條件本協(xié)議自雙方簽字蓋章之日起生效。11.2合同解除條件（1）本協(xié)議約定的解除條件成就；（2）一方違約，經(jīng)對方催告后在合理期限內(nèi)仍未履行；（3）出現(xiàn)法律規(guī)定或雙方約定的其他解除情形。11.3合同解除程序一方解除本協(xié)議，應(yīng)提前[解除通知期限]日書面通知對方。第十二章其他約定12.1通知方式（1）專人遞送；（2）掛號郵寄；（3）傳真；（4）電子郵件。12.2不可抗力因不可抗力導(dǎo)致本協(xié)議無法履行或履行困難的，雙方互不承擔(dān)責(zé)任。12.3合同附件本協(xié)議附件與本協(xié)議具有同等法律效力。第十三章合同附件13.1抵押物權(quán)屬證明文件13.2擔(dān)保合同13.3科技創(chuàng)新項目相關(guān)文件13.4其他相關(guān)文件第十四章合同簽署與生效日期14.1簽署日期本協(xié)議自雙方簽字蓋章之日起生效。14.2簽署人信息[貸款方全稱]（蓋章）：法定代表人（或授權(quán)代表）簽字：____________________日期：____________________[借款方全稱]（蓋章）：法定代表人（或授權(quán)代表）簽字：____________________日期：____________________[擔(dān)保人全稱]（蓋章）：法定代表人（或授權(quán)代表）簽字：____________________日期：___________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________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