Certificate number: _ _ _ _ _ _
Address: _ _ _ _ _ _
Tel: _ _ _ _ _ _
Lender: _ _ _ _ _ _ _
Tel: _ _ _ _ _ _
Mailing address: _ _ _ _ _ _ _
Whereas the Borrower applies for a loan from the Lender, in order to clarify the rights and obligations of both parties, this Contract is concluded through negotiation between the Borrower and the Lender in accordance with relevant national laws.
Article 1 Loans
1. 1 Amount: _ _ _ _ _ _ (in words).
1.2 Currency: _ _ _
1.3 Duration: from _ _ to _ _.
1.4 The loan under this contract is only used for: _ _ _ _ _ _ _ _ _ _ _ _
1.5 The loan amount, loan date and maturity date shall be subject to the records in the loan voucher.
Article 2 Interest rate and adjustment
2. 1 interest rate: _ _ _ _ _ _. This interest rate is _ _% higher than the benchmark lending rate of China People's Bank for the same period.
2.2 Under this contract, the borrower will repay the loan in the first installment, which is calculated from the date of loan issuance. The monthly interest rate is used to calculate the normal interest in the first installment. The monthly interest rate under this contract is □ monthly interest rate = annual interest rate/12; Daily interest rate = annual interest rate /360.
2.3 If the People's Bank of China adjusts the legal interest rate after the signing of this contract and before the loan is released, the lender will implement the adjusted interest rate according to the corresponding interest rate grade, and the floating level of interest rate will be implemented according to Article 2. 1.
2.4 In case the People's Bank of China adjusts the legal interest rate after the loan under this contract is actually released, the adjusted interest rate shall be implemented according to the corresponding interest rate grade from the day after the legal interest rate adjustment date, and the floating level of interest rate shall be implemented according to Article 2. 1. If the borrower repays the loan on the interest rate adjustment date of this contract, the loan will still be subject to the interest rate before adjustment; If the Borrower repays the loan after the interest rate adjustment date of this contract, the adjusted interest rate shall be applicable to the current loan according to the corresponding interest rate grade.
Article 3 the issuance of loans
3. 1 Before all the following conditions are met, the lender has the right to refuse to lend money:
(1) The borrower has submitted relevant supporting documents and completed relevant procedures as required by the lender;
(2) The statements and guarantees made by the Borrower under Article 7 are true;
(3) The guarantee contract under this contract has come into effect and will continue to be effective;
(4) There is no event that may adversely affect the borrower's repayment ability;
(5) Other prerequisites:
3.2 After the above conditions are met and the borrower completes the loan procedures, the lender will issue the loan within three banking days.
3.3 The Borrower chooses the following loan method:
(1) Cash loan: The borrower directly goes to the cashier's counter of the company to withdraw the loan.
(2) Account Lending: The borrower opens a deposit account in the entrusting bank in his own name, and the account number is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.
Article 4 Repayment
4. 1 The Borrower chooses the following _ _ repayment method to repay:
(1) One-time repayment of principal and interest payment by installments: that is, one-time repayment of loan principal and monthly interest settlement according to the loan maturity date. Current month interest = loan principal? Daily interest rate? Number of days occupied.
(2) Average capital repayment method: that is, within the loan term, the loan principal is repaid in equal amount in each installment, and the loan interest decreases with the principal and is settled in installments.
The calculation formula of the repayment amount of each installment is: _ _ _ _ _ _ _ _ _ _ _ _.
Repay the principal of each loan with RMB (amount in words) _ _ _ _ _ _ _ _.
(3) Matching principal and interest repayment method: that is, within the loan term, the principal and interest of the loan are repaid in equal amount in each installment. The calculation formula for the repayment amount of each installment is _ _ _ _ _ _ _.
The repayment amount of each installment is RMB (amount in words) _ _ _ _ _ _ _.
4.2 repayment date
Choose the way of paying the principal in one lump sum and paying the interest in installments; Repay the loan principal in one lump sum on the loan maturity date agreed in this contract. The interest payment date is 20th at the end of each month/quarter, and it will be postponed to the next working day in case of legal holidays.
4.3 When the repayment methods of equal principal and interest and equal principal are selected:
(1) Repay the loan principal and interest on a monthly basis, and the repayment date is the opposite day of the next month of the loan date.
(2) If the maturity date of the loan is less than one installment from the latest repayment date, the loan will not be repaid on the repayment date and will be settled in one lump sum on the maturity date. The calculation formula of final interest is: interest = final loan principal? Interest rate? Number of installments+final loan principal amount? Daily interest rate? Odd days
4.4 The Lender will make a repayment plan according to the agreement in this Contract, and provide it to the Borrower in time after the loan is actually released, and the Borrower agrees to repay the loan principal and interest on time according to the repayment plan.
4.5 Loan extension
If the borrower can't repay the loan within the agreed loan period, he can apply for loan extension 1 month before the loan maturity date, and can go through the extension formalities with the consent of the company. If the extension period and the original loan period reach a new term grade, the loan will bear interest at the new interest rate grade from the date of extension.
Article 5 repayment method
5. 1 Account repayment: The borrower takes the loan account agreed in Article 3.3 as the repayment account, and entrusts the lender to deduct funds from this account for repayment by automatic transfer.
When this repayment method is adopted:
(1) The borrower shall deposit the repayment amount in full into the repayment account before the repayment date.
(2) The money remitted by the lender shall first offset the loan principal and interest that should be repaid by the borrower, and the offset order shall be prophase, anaphase and principal and interest.
(3) When the borrower requests to change the repayment account, it shall apply to the lender in advance. With the consent of the Lender, both parties will sign another agreement, and the original account will still be used until the new account determined in this agreement is opened.
(4) When the repayment account is frozen or reported lost by the competent authority, the borrower shall promptly provide the lender with other accounts as new repayment accounts.
5.2 Cash repayment: On the repayment date, go directly to the cashier's counter of the lender for repayment procedures in the form of cash or check.
5.3 Repay the loan principal and interest through automated service tools such as telephone banking and online banking.
Article 6 Advance payment
6. 1 prepayment shall meet the following agreements:
(1) The prepayment date cannot be the interest rate adjustment date;
(2) In case of prepayment, the interest on the repaid principal shall be settled, and the interest shall be calculated to the day before the prepayment date agreed in this contract.
6.2 If the borrower requests prepayment, it shall apply to the lender at least 65,438+00 company working days before the repayment date. After the Lender agrees, both parties shall sign a written agreement separately to stipulate the remaining principal, remaining repayment periods and repayment amount after prepayment. After the agreement comes into effect and the advance payment is received, the relevant formalities can be handled.
6.3 With the consent of the Lender, if the Borrower repays part of the principal in advance and shortens the number of remaining repayment periods, the remaining loan principal shall still be subject to the loan interest rate of the People's Bank of China corresponding to the original loan term, and the floating level and adjustment of the interest rate shall still be subject to Article 2 of this Contract.
6.4 For the loan principal repaid in advance by equal principal and interest repayment, the lender will not recalculate the received interest, and the remaining loan principal will be recalculated according to the actual occupation period.
Article 7 The Borrower's Statement and Guarantee
7. 1 The borrower is an independent legal entity with all necessary rights and capabilities, and can perform the obligations under this contract in its own name and bear civil liabilities.
7.2 The signing and performance of this contract is the true intention of the borrower, and there are no legal defects.
7.3 All documents, materials and information provided by the Borrower to the Lender during the signing and performance of this Contract are true, accurate, complete and effective, and no information that may affect its repayment ability is concealed from the Lender.
Article 8 Rights and obligations of the lender
8. 1 The Lender has the right to recover the loan principal and interest (including compound interest, overdue penalty interest and misappropriation) as agreed in this Contract.