Personal loan contract template, here is a detailed introduction to you: 1, personal loan contract first needs to write the basic information of the borrower and lender. 2. Secondly, it is necessary to write down the main contents of the contract, including: loan amount, loan interest, loan term, repayment date, etc. 3. Finally, both parties need to sign and seal. Template of Personal Loan Contract 1 Name of Party A (Lender): Mailing Address: Tel: Party B (Borrower) Name: mailing address: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ 1: Name: ID number: mailing address: Tel: 2: Name: ID number: mailing address: Tel: 3: Name: ID number: mailing address: Whereas: Party B applies for a small margin loan from Party A due to business needs, and both parties sign this contract through negotiation. The first is the basis of the parties. Article 3 This contract includes loans, guarantees, etc. Article 4 Purpose of loan: Party B borrows money from Party A for. Article 5 Amount of Loan Party B borrows RMB (in words) one million yuan only (￥) from Party A Article 6 Term of Loan The term of loan agreed in this contract is (in words) months, that is, from (year) to (year). Article 7 The loan interest rate is 1. The parties to this contract agree that the monthly loan interest rate is%. 2. Interest payment: the interest of this loan contract shall be paid quarterly, and Party B shall deliver it to Party A on time at the end of every three months. Article 8 Repayment 1. Party B may repay all or part of the loan interest in one lump sum within the term of this Contract; 2. When this contract expires, Party B must repay all the principal and corresponding interest of the loan under this contract in one lump sum. Article 9 loan guarantee 1. Guarantee method: During the guarantee period, Party C is willing to bear joint and several liabilities for Party B's debts. If Party B fails to repay the loan principal and interest or related expenses on time as agreed in this contract, regardless of whether Party A has other guarantees for the creditor's rights under this contract, Party A has the right to directly ask Party C to assume the guarantee responsibility within the scope of its guarantee. 2. Scope of guarantee: The scope of guarantee includes Party B's loan principal, interest (including compound interest), liquidated damages and compensation payable by Party B, and related expenses (including legal fees and attorney fees) incurred by Party A to realize the creditor's rights. 3. Guarantee period: the guarantee period is from the effective date of this contract to the time when Party A recovers all the relevant funds of this loan contract. 4. If Party A and Party B agree to change the contract, Party C's consent is not required, except for the following circumstances: (1) extending the loan term; (2) Increase the loan amount. Article 10 Liability for breach of contract 1. If Party B fails to use the loan according to the purposes specified in this contract, Party A has the right to recover part or all of the loan and charge interest at a monthly rate of%. 2. If Party B fails to repay the loan within the time limit, Party A has the right to recover the loan and charge interest at the rate of% per month. 3. When Party B fails to pay the interest on time, Party A has the right to terminate this contract in advance, and requires Party B to repay the loan principal, corresponding interest and liquidated damages of% interest rate per day in advance from the overdue date. Article 11 Other agreed matters. Any dispute arising from the execution of this contract shall be settled by both parties through consultation. If negotiation fails, it shall be submitted to the local people of Party A for adjudication. During the negotiation or litigation, the clauses not covered in this contract still need to be performed. 2. Party B and Party C shall notify Party A of major changes (such as shareholders, addresses, communication methods, operating conditions, etc.). ) within ten days. 3. Party B agrees to transfer the relevant creditor's rights to Party C after Party C pays off all the debts under this contract on its behalf. Party A may assist in handling relevant formalities and notify Party B. Article 12 This contract shall come into effect: it shall come into effect after being signed by Party A, Party B and Party C, and the loan amount agreed in this contract shall be transferred by Party A to the account designated by Party B. Article 13 This contract shall be made in quadruplicate, with Party A, Party B, Party C and the witness institution holding one copy respectively. Party A's signature (seal): authorized agent (signature): Party B (signature): legal representative or authorized agent (signature): Party C (signature): legal representative or authorized agent (signature): witness organ (official seal): witness (signature): signing date: year month day personal loan contract template II Borrower: Mortgagor: Guarantor: Loan. If there is any ambiguity, please consult in time, and the lender will definitely give a positive answer. The Borrower and the Guarantor have the right to agree to this contract and choose other contracts, but after signing this contract, they are deemed to agree to all the terms of this contract. Article 1 Types of loans. After examining the loan application submitted by the borrower, the lender agrees to grant the loan to him. Article 2 Purpose of the loan: The purpose of the loan is that the borrower shall not change the purpose of the loan without the written consent of the lender. Article 3 the loan amount. The loan amount under this contract is RMB (in words). Yuan. Article 4 Term of loan. The term of the loan under this contract is _ _ _ _ months, counting from the date recorded in the loan receipt (Annex II), that is, from _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Article 5 loan interest rate. The loan interest rate at the time of signing this contract is% per annum. If the legal interest rate is adjusted or the interest calculation method is changed within the validity period of the Contract, and the loan term is within 1 year (inclusive), the original interest rate will be implemented and interest will not be calculated by installments. If the loan term exceeds 1 year, the loan interest rate shall be calculated according to the adjusted applicable interest rate from the following year. During the validity period of the Contract, if the Lender adjusts the loan interest rate of the Contract according to the regulations of the People's Bank of China, the Lender will announce the adjustment of the statutory loan interest rate in the business place without sending a written notice to the Borrower. Article 6 Calculation method. The interest is calculated from the borrower's actual withdrawal date, based on the actual withdrawal amount and the number of days used, and the calculation base is 360 days a year. Article 7 If the above agreement is inconsistent with the loan receipt, the loan receipt shall prevail, and the loan receipt is an integral part of this contract. Article 8 conditions for withdrawal. The borrower shall meet the following preconditions before withdrawing money: 8. 1 The borrower has opened an account for withdrawal, interest payment and repayment as required by the lender. 8.2 The guarantee clauses under this contract have come into effect. 8.3 In the process of applying for a loan, the borrower has provided the lender with all the documents and materials required by the lender, and these documents and materials are still valid. Article 9 loan guarantee. All loans under this contract are guaranteed by the mortgagor and the guarantor (hereinafter collectively referred to as the "guarantor" as appropriate) in the form of (mortgage/guarantee). For specific agreement, please refer to the corresponding guarantee clauses in this contract. Article 10 During the loan term, the borrower chooses the following repayment methods to repay the loan principal and interest. The repayment period of the loan under this contract is (month/quarter) * *. See the repayment plan provided by the loan bank for the specific repayment amount and date (Annex 4). 1, pay off 2 with principal and interest, 3 with equal principal and interest, 4 with average capital, 5 with increasing/decreasing repayment method, 6 with principal paid off on schedule, 7 with interest paid off in the first three months, 7 with interest paid off in the first three months, 8 with interest paid off in the first five months, and then with interest paid off in the first five months. Article 11 Borrowing money. The borrower can only prepay once a year. 1 The borrower must submit a written application to the lender five working days before the scheduled prepayment date. Once the application is issued, it is irrevocable. 2 If the borrower repays part of the loan in advance, the repayment amount shall not be less than RMB (in words) in principle, and the loan interest charged before prepayment shall not be adjusted. If the repayment period is changed due to early repayment, the newly agreed repayment period shall not be longer than the original period, and the principal and interest of the loan shall still be charged according to the interest rate and repayment method agreed in the loan receipt. If part of the loan is repaid in advance, the lender and the borrower shall renegotiate the repayment plan of the remaining outstanding loan, and the borrower shall repay the remaining loan principal and interest according to the repayment date and amount indicated in the repayment plan provided by the lender again. If the borrower repays all outstanding loans in advance, all interest shall be settled. Article 12 The Borrower declares to the Lender as follows: 1 The Borrower is fully qualified and entitled to sign this Contract and perform its obligations under this Contract. All documents, materials and vouchers provided by the Borrower to the Lender for the loan under this Contract are accurate, true, complete and effective. 3 The Borrower has not concealed any events that have happened or will happen soon, which may cause the Lender to refuse to release the loan under this Contract. 4. According to the requirements of the lender, truthfully provide the information that should be submitted in the process of loan review, consciously accept the lender's investigation and supervision on the use of the loan under this contract, and give full assistance and cooperation; 5. Pay off the loan principal and interest under this contract according to the agreement of this contract; 6. When the personal circumstances of the borrower such as occupation, income, address, mailing address and telephone number change, the borrower shall immediately notify the lender; 7 It shall not affect the performance of repayment obligations under this contract by any third party. Article 13 Any of the following events shall constitute an event of default under this Contract: 1 The borrower fails to fulfill the repayment obligation on time or in full for three consecutive periods or six cumulative periods; 2 The statement made by the Borrower in this Contract is proved to be incorrect, untrue or misleading; 3. The Borrower fails to realize or abide by its commitments in this Contract or violates its other obligations under this Contract; 4. The Borrower dies, disappears or loses capacity during the repayment period, and no legal successor or legatee continues to perform the obligations under this Contract, or his legal successor or legatee refuses to perform this Contract; 5. There are other circumstances that have or may have serious adverse effects on the Borrower's performance of obligations under this Contract. Article 14 When the breach of contract mentioned in the preceding article occurs, the lender has the right to take one or more of the following measures: 1 require the borrower and/or the guarantor to correct the breach of contract within a time limit; 2. Declare that all loans are due immediately, and require the borrower to repay all loan principal, interest and other payables immediately; 3. Require the addition or replacement of guarantor, collateral and pledge; Declare to exercise or realize the security right under this contract. Name and Address of Collateral: Building Area: Unit Price Borrower: Mortgagor: Guarantor: Lender: Year Month Date: Model Individual Loan Contract 3 Name of Party A: Address: Name of Party B: Address: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Total loan: RMB twenty thousand Yuan only (RMB_20_0 yuan). 2. Purpose of loan: _ Small deposit is used for loan. 3. Loan term: the loan term is half a year, from June 65438+1October 1 1 to July1. 4. Loan interest rate: the loan interest rate and interest-bearing method are 2% monthly repayment. 5. Withdrawal of the loan: this loan is a one-time withdrawal, and the withdrawal time is the effective date of this agreement. 6. Loan repayment: Party A promises to pay the current month's interest to Party B on schedule within the loan period agreed in this agreement, that is, before 1 1 from February to July, 20, and repay all the principal to Party B in one lump sum before July, 20. 8. If Party B agrees to Party A's delay in repayment, this agreement will remain valid ... 9. This contract is made in duplicate, one for each party. Party A's signature: Party B's signature: MM DD YY Bank account number: The above is what Bian Xiao shared today, hoping to help everyone.
2. What is the difference between individual housing loan contract and loan contract?
The housing loan contract is based on housing mortgage and loan mortgage. It's nothing.
Third, how to write a private loan contract?
In fact, the private loan contract can be simpler, mainly stating the lender, borrower, loan amount, agreed interest or interest-free, repayment date, without guarantee and guarantee and its specific content. Of course, a simple loan contract should be signed and dated by both parties.
Four, how to write a personal loan contract to have legal effect.
According to general experience, an IOU is legal and valid as long as it includes the lender, borrower, loan amount, loan time and other main contents. Standard IOUs shall include the following contents:
(1) Write clearly the legal full names of the borrower and the lender.
(2) Write down the loan amount clearly, including the amount in words and figures.
(3) Write clearly the loan term, including the beginning, end, year, month, day and clear loan term.
(four) write clearly the loan interest, there should be a clear annual interest rate or monthly interest rate, and finally pay the total loan interest.
(5) The date, month, date, time and payment method of repayment of loan principal and interest shall be clearly written.
(6) The borrower's personal signature, handprint or handwritten signature shall be available.
A, personal loan contract matters needing attention are:
1. Attach the borrower and the borrower's ID number to the receipt to avoid unnecessary;
2. When the borrower signs, the lender must see his signature with his own eyes to prevent the borrower from signing with others, and finally refuse to recognize the loan;
3. The writer of the IOU must be the borrower, not the lender, otherwise the borrower will plead with contents other than the original;
4. Try to avoid using language that is prone to disagreement.
Second, what is the signing process of the loan contract?
1. Lenders and borrowers need to negotiate on loans; After both parties agree, draw up the loan contract documents with reference to the professional contract text format of the loan contract; The borrower fills in the loan application form; Lenders pay and borrowers take money; At the same time, the lender gets the loan.
2. The loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method. When concluding a loan contract, the borrower shall provide true information on the business activities and financial status related to the loan as required by the lender.
legal ground
People's Republic of China (PRC) Civil Code
Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.
Article 668 A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.
Article 669 When concluding a loan contract, the borrower shall, at the request of the lender, provide the true information about the business activities and financial status related to the loan.
Article 679 A loan contract between natural persons is established when the lender provides the loan.