正规借款合同格式.docx

1、正规借款合同格式正规借款合同格式以下是正规借款合同格式文章，供大家参考！提示合同范本请点击以下链接:租房合同|劳动合同|租赁合同|劳务合同|用工合同|购销合同|装修合同合同编号：贷款方：借款方：保证方：(借款合同中应否有保证方，应视借款方是否具有银行规定的一定比例的自有资金和适销适用的物资、财产，或者根据借贷一方或双方是否提出担保要求来确定。)借款方为进行_生产(或经营活动)，向贷款方申请借款，并聘请_作为保证人，贷款方业已审查批准，经三方(或双方)协商，特订立本合同，以便共同遵守。条 贷款种类_。第二条 借款用途_。第三条 借款金额 人民币(大写)_元整。第四条 借款利率 借款利息为千分之_

2、，利随本清，如遇国家调整利率，按新规定计算。第五条 借款和还款期限1.借款时间共_年零_个月，自_年_月_日起，至_年_月_日止。借款分期如下：贷款期限 贷款时间 贷款金额期 年 月底前 元第二期 年 月底前 元第三期 年 月底前 元第六条 还款资金及还款方式1.还款资金：_。2.还款方式_。第七条 保证条款1.借款方用_做抵押，到期不能归还贷款方的贷款，贷款方有权处理抵押品。借款方到期如数归还贷款的，抵押品由贷款方退还给借款方。2.借款方必须按照借款合同规定的用途使用借款，不得挪作他用，不得用借款进行违法活动。3.借款方必须按合同规定的期限还本付息。4.借款方有义务接受贷款方的检查、监督贷款

3、的使用情况，了解借款方的计划执行、经营管理、财务活动、物资库存等情况。借款方应提供有关的计划、统计、财务会计报表及资料。5.需要有保证人担保时，保证人履行连带责任后，有向借款方追偿的权利，借款方有义务对保证人进行偿还。6.由于经营管理不善而关闭、破产，确实无法履行合同的，在处理财产时，除了按国家规定用于人员工资和必要的维护费用时，应优先偿还贷款。由于上级主管部门决定关、停、并、转或撤销工程建设等措施，或者由于不可抗力的意外事故致使合同无法履行时，经向贷款方申请，可以变更或解除合同，并免除承担违约责任。第八条 违约责任一、借款方的违约责任1.借款方不按合同规定的用途使用借款，贷款方有权收回部分或

4、全部贷款，对违约使用的部分，按银行规定的利率加收罚息。情节严重的，在一定时期内，银行可以停止发放新贷款。2.借款方如逾期不还借款，贷款方有权追回借款，并按银行规定加收罚息。借款方提前还款的，应按规定减收利息。3.借款方使用借款造成损失浪费或利用借款合同进行违法活动的，贷款方应追回贷款本息，有关单位对直接责任人应追究行政和经济责任。情节严重的，由司法机关追究刑事责任。二、贷款方的违约责任1.贷款方未按期提供贷款，应按违约数额和延期天数，付给借款方违约金。违约金数额的计算应与加收借款方的罚息计算相同。2.银行、信信用合作社的工作人员，因失职行为造成贷款损失浪费或利用借款合同进行违法活动的，应追究行

5、政和经济责任。情节严重的，应由司法机关追究刑事责任。第九条 解决合同纠纷的方式：执行本合同发生争议，由当事人双方协商解决。协商不成，双方同意由_仲裁委员会仲裁(当事人双方不在本合同中约定仲裁机构，事后又没有达成书面仲裁协议的，可向人民法院起诉)。第十条 其它本合同非因借款合同条例规定允许变更或解除合同的情况发生，任何一方当事人不得擅自变更或解除合同。当事人一方依照借款合同条例要求变更或解除本借款合同时，应及时采用书面形式通知其它当事人，并达成书面协议。本合同变更或解除之后，借款方已占用的借款和应付的利息，仍应按本合同的规定偿付。本合同如有未尽事宜，须经合同各方当事人共同协商，作出补充规定，补充

6、规定与本合同具有同等效力。本合同正本一式三份，贷款方、借款方、保证方各执一份;合同副本一式_，报送等有关单位(如经公证或鉴证，应送公证或鉴证机关)各留存一份。贷款方：(公章)代表人：(盖章)借款方：(公章)代表人：(盖章)保证方：(公章)代表人：(盖章)签约日期：签约地点：借款合同二借款人：borrower:贷款人：lender:抵押人：mortgagor:保证人：surety :出质人：pledgeor:为明确各方权利和义务，根据合同法、贷款通则和其他有关法律、法规，订立本合同。this contract is made in line with the contract law of th

7、e peoples republic of china and the general provisions of loans of the peoples bank of china to specify the rights and obligations of parties involved.借 贷 条 款loan borrowing clause条 借款金额。见article 1. amount of loan: refer to第二条 借款用途。见article 2. purpose of loan: refer to第三条 借款期限。article 3. life of loan

8、见。refer to借据或贷款凭证是本合同不可分割的组成部分。借款的实际放款日和还款日以借款人、贷款人双方办理的借据或凭证上所记载的日期为准。除日期外，借据或凭证其他记载事项如与本合同不一致的，以本合同为准。a certificate of indebtedness or a loan voucher is an integral part of this contract. the date of advance and payment due date shall follow the date specified on the certificate of indebtedness or

9、 loan voucher . where there is any inconsistency between the stipulations on the certificate of indebtedness or loan voucher and the terms and conditions on this contract except date, the latter shall prevail.第四条 借款划付。在借款人办妥借款手续后5个营业日内将全部款项划至借款人指定的账户，划付次数、时间、金额见。第五条 article 4 transferring of loan. t

10、he full amount ofloan shall be transferred to an account designated by the borrower within 5 working days from the date of pleting borrowing procedure. refer tofor the frequency, time and amount of transferring第五条 借款利率和计息。article 5. interest rate of loan and借款利率。本合同项下借款利率根据国家有关规定，确定利率见36.5 。遇利率调整时，借

11、款期限在1年(含)以下的，执行合同利率，不分段计息;借款期限在1年以上的，实行分段计息，从利率调整的次年1月1日开始，按相应利率的档次执行新的利率;如借款人未按约定时间归还借款本息或未按合同约定用途使用借款，贷款人将按国家规定对借款人计收罚息，罚息率见。interest rate of loan: the interest rate under this contract is specified inin line with relevant rules. in case of change of interest rate, the interest rate stipulated in

12、the contract shall prevail for loans with a life of less than or equal to one year; for loans with a life exceeding one year, the interest shall be calculated on a multi-stage basis,from next jan. 1st following the adjustment of interest rate, the new rate shall prevail. in case the borrower fails t

13、o repay the principal and interest before the due date, or fails to use the loan for purposes as agreed in this contract, the lender shall be entitled to collect default interest in line with relevant rules. the default interest rate is specified in遇利率调整时，实行分段计息的，贷款人有权根据国家有关规定自行调整，不另行通知借款人。in case o

14、f calculating interest on multi-stage basis due to adjustment of interest rate, the lender shall be entitled to adjust the interest rate on his own without further notice to the borrower.第六条 还款方式。article 6 type of repayment of loan借款人应在贷款人开设帐户，户名和帐号见，并保证在每次还款日前足额存入当期应还款项的存款。借款人在此授权贷款人从借款人该帐户中扣收借款本金、

15、利息和可能发生的复利、罚息、违约金、保费、损害赔偿金及实现债权的费用(含律师费和诉讼费)。如该帐户资产不足以归还到期的贷款本息，贷款人有权从借款人在中国工商银行任何分支机构开立的任何帐户划收。the borrower should open an account with the lender( the account name and account number are specified in ) and promise to deposit sufficient money for repayment before each due date. the borrower hereby

16、authorizes the lender to collect , if any, pound interest, default interest, liquidated damage, premium, pensation and expenses arising from the realization of creditors right (including lawyers fee and court expense)in addition to due principal and interest of loan. in case the asset in this accoun

17、t is not enough for repayment of due principal and interest, the lender shall be entitled to collect from any account opened by the borrower with any branch of 贷款人与借款人双方商定，自贷款发放次月起，借款人按月归还贷款本息(一次性还本付息除外)，还款期数及还款方式见。the borrower shall repay the principal and interest on a monthly basis (except repayi

18、ng principal and interest in a lump sum) from the second month following the issuing of loan , as agreed between the borrower and lender. the repayment tenors and type are specified in借款期间遇利率调整，如执行本合同条实行分段计息的，对借款期限在1年以上的，应从利率调整的次年1月1日开始根据未偿还借款余额和剩余还款期数进行调整，重新计算还款金额。in case of multi-stage calculation

19、 of interest as specified indue to adjustment of interest rate during the life of loan, the repayment amount for loans with a life exceeding one year shall be recalculated on the basis of balance of unpaid loan and the rest of repayment tenor from next jan. 1st following the adjustment of interest r

20、ate.借款人提前归还贷款须经贷款人书面同意，提前归还部分的利息仍按本合同约定的利率和该部分实际使用天数计算。repayment of the loan ahead of schedule by the borrower shall be subject to written consent from the lender. the interest of prepaid amount should be calculated on the basis of rate specified in this contract and actual days.第七条 担保方式。本合同的担保人及担保方

21、式见 。具体约定由本合同中相应的担保条款确足。article 7 guaranty type. the guarantor and guaranty type under this contract is specified inthe specific stipulations are stated in corresponding guaranty clauses.第八条 借款人的权利、义务。article 8 rights and obligations of the borrower.借款人的权利：rights of the borrower.按本合同约定的期限和用途取得和使用借款;obtain and use the loan for the period and purposes as agreed in thi