2024年度國(guó)家助學(xué)貸款借款合同（貸款額度調(diào)整）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年度國(guó)家助學(xué)貸款借款合同（貸款額度調(diào)整）本合同目錄一覽1.合同訂立依據(jù)及法律效力1.1合同訂立依據(jù)1.2法律效力確認(rèn)2.借款人信息2.1借款人姓名2.2借款人身份證號(hào)碼2.3借款人聯(lián)系方式2.4借款人家庭住址3.貸款基本信息3.1貸款用途3.2貸款金額3.3貸款期限3.4貸款利率4.貸款額度調(diào)整4.1調(diào)整原因4.2調(diào)整方式4.3調(diào)整后貸款金額4.4調(diào)整后貸款期限4.5調(diào)整后貸款利率5.貸款發(fā)放5.1發(fā)放時(shí)間5.2發(fā)放方式5.3發(fā)放地點(diǎn)6.還款方式6.1還款方式選擇6.2還款計(jì)劃制定6.3還款時(shí)間安排6.4還款金額計(jì)算7.利息計(jì)算與支付7.1利息計(jì)算方法7.2利息支付方式7.3利息支付時(shí)間8.擔(dān)保情況8.1擔(dān)保方式8.2擔(dān)保人信息8.3擔(dān)保責(zé)任9.違約責(zé)任9.1違約情形9.2違約責(zé)任承擔(dān)9.3違約賠償方式10.爭(zhēng)議解決10.1爭(zhēng)議解決方式10.2爭(zhēng)議解決機(jī)構(gòu)11.合同解除11.1合同解除條件11.2合同解除程序12.合同變更12.1合同變更條件12.2合同變更程序13.合同生效13.1合同生效時(shí)間13.2合同生效條件14.其他約定事項(xiàng)14.1通知方式14.2通知送達(dá)地址14.3合同附件14.4爭(zhēng)議管轄地第一部分：合同如下：1.合同訂立依據(jù)及法律效力1.1合同訂立依據(jù)本合同依據(jù)《中華人民共和國(guó)合同法》、《中華人民共和國(guó)擔(dān)保法》、《中華人民共和國(guó)高等教育法》及國(guó)家助學(xué)貸款相關(guān)政策法規(guī)訂立。1.2法律效力確認(rèn)本合同自雙方簽字（或蓋章）之日起生效，具有法律約束力。2.借款人信息2.1借款人姓名：2.2借款人身份證號(hào)碼：056782.4借款人家庭住址：省市區(qū)街道號(hào)3.貸款基本信息3.1貸款用途：用于支付學(xué)費(fèi)、住宿費(fèi)、生活費(fèi)等教育費(fèi)用。3.2貸款金額：人民幣20,000元。3.3貸款期限：自2024年9月1日起至2028年8月31日止，共計(jì)4年。3.4貸款利率：年利率5.76%，按中國(guó)人民銀行同期貸款基準(zhǔn)利率執(zhí)行。4.貸款額度調(diào)整4.1調(diào)整原因：因借款人實(shí)際需要，經(jīng)雙方協(xié)商一致，同意調(diào)整貸款額度。4.2調(diào)整方式：借款人向貸款銀行提出書面申請(qǐng)，經(jīng)審核同意后，貸款額度進(jìn)行調(diào)整。4.3調(diào)整后貸款金額：人民幣25,000元。4.4調(diào)整后貸款期限：自2024年9月1日起至2029年8月31日止，共計(jì)5年。4.5調(diào)整后貸款利率：年利率5.76%，按中國(guó)人民銀行同期貸款基準(zhǔn)利率執(zhí)行。5.貸款發(fā)放5.1發(fā)放時(shí)間：2024年8月31日前。5.2發(fā)放方式：通過(guò)銀行轉(zhuǎn)賬直接發(fā)放至借款人指定賬戶。5.3發(fā)放地點(diǎn)：借款人所在地的貸款銀行網(wǎng)點(diǎn)。6.還款方式6.1還款方式選擇：等額本金還款法。6.2還款計(jì)劃制定：根據(jù)借款人實(shí)際情況，制定詳細(xì)的還款計(jì)劃。6.3還款時(shí)間安排：每月20日為還款日。6.4還款金額計(jì)算：根據(jù)貸款金額、貸款期限、貸款利率等因素，計(jì)算每月應(yīng)還本金及利息。7.利息計(jì)算與支付7.1利息計(jì)算方法：按月計(jì)息，利息按實(shí)際天數(shù)計(jì)算。7.2利息支付方式：與本金一并償還。7.3利息支付時(shí)間：每月與本金同時(shí)支付。8.擔(dān)保情況8.1擔(dān)保方式：本次貸款無(wú)擔(dān)保。8.2擔(dān)保人信息：無(wú)。8.3擔(dān)保責(zé)任：因借款人原因?qū)е沦J款逾期或違約，借款人應(yīng)承擔(dān)全部責(zé)任，貸款銀行有權(quán)依法向借款人追償。9.違約責(zé)任9.1違約情形：包括但不限于逾期還款、提前部分或全部還款、未按約定用途使用貸款等。9.2違約責(zé)任承擔(dān)：借款人應(yīng)按照合同約定支付違約金，違約金按逾期貸款金額的每日萬(wàn)分之五計(jì)算。9.3違約賠償方式：借款人應(yīng)承擔(dān)因違約而產(chǎn)生的全部損失，包括但不限于訴訟費(fèi)用、律師費(fèi)用等。10.爭(zhēng)議解決10.1爭(zhēng)議解決方式：雙方應(yīng)友好協(xié)商解決合同爭(zhēng)議。10.2爭(zhēng)議解決機(jī)構(gòu)：如協(xié)商不成，任何一方均可向合同簽訂地人民法院提起訴訟。11.合同解除11.1合同解除條件：包括但不限于借款人嚴(yán)重違約、貸款銀行無(wú)法繼續(xù)履行貸款義務(wù)等。11.2合同解除程序：任何一方提出解除合同時(shí)，應(yīng)書面通知對(duì)方，并經(jīng)雙方協(xié)商一致后解除。12.合同變更12.1合同變更條件：因國(guó)家政策調(diào)整、市場(chǎng)變化或其他不可抗力因素導(dǎo)致合同內(nèi)容需要變更。12.2合同變更程序：任何一方提出變更合同時(shí)，應(yīng)書面通知對(duì)方，并經(jīng)雙方協(xié)商一致后簽訂補(bǔ)充協(xié)議。13.合同生效13.1合同生效時(shí)間：本合同自雙方簽字（或蓋章）之日起生效。13.2合同生效條件：合同經(jīng)雙方簽字（或蓋章）后生效，并經(jīng)貸款銀行審核批準(zhǔn)。14.其他約定事項(xiàng)14.1通知方式：雙方可通過(guò)書面通知、電子郵件、電話等方式進(jìn)行通知。14.2通知送達(dá)地址：借款人通知送達(dá)地址為合同約定的家庭住址，貸款銀行通知送達(dá)地址為合同約定的貸款銀行網(wǎng)點(diǎn)。14.3合同附件：本合同附件包括但不限于借款人身份證復(fù)印件、貸款銀行審核批準(zhǔn)文件等。14.4爭(zhēng)議管轄地：本合同爭(zhēng)議管轄地為合同簽訂地。第二部分：第三方介入后的修正15.第三方介入15.1第三方概念本合同中所述第三方是指除甲乙雙方之外的，為合同履行提供輔助服務(wù)或參與合同履行的其他個(gè)人或機(jī)構(gòu)，包括但不限于中介機(jī)構(gòu)、擔(dān)保公司、評(píng)估機(jī)構(gòu)、律師事務(wù)所等。15.2第三方介入的情形15.2.1甲乙雙方協(xié)商一致，認(rèn)為需要第三方介入以協(xié)助合同履行。15.2.2法律法規(guī)或政策要求必須引入第三方進(jìn)行監(jiān)督或評(píng)估。15.2.3合同履行過(guò)程中出現(xiàn)特殊情況，需要第三方提供專業(yè)意見(jiàn)或服務(wù)。15.3第三方責(zé)任限額15.3.1第三方責(zé)任限額的確定第三方責(zé)任限額由甲乙雙方在合同中約定，具體金額應(yīng)根據(jù)第三方提供的服務(wù)內(nèi)容、風(fēng)險(xiǎn)程度等因素綜合考慮。15.3.2超過(guò)責(zé)任限額的處理如第三方行為導(dǎo)致?lián)p失超過(guò)約定的責(zé)任限額，超出部分由甲乙雙方根據(jù)實(shí)際情況協(xié)商解決。16.甲乙雙方的權(quán)利與義務(wù)16.1甲方的權(quán)利與義務(wù)16.1.1權(quán)利甲方有權(quán)要求第三方按照合同約定提供服務(wù)，并有權(quán)對(duì)第三方的工作進(jìn)行監(jiān)督。16.1.2義務(wù)甲方應(yīng)向第三方提供必要的資料和信息，配合第三方完成相關(guān)工作。16.2乙方的權(quán)利與義務(wù)16.2.1權(quán)利乙方有權(quán)要求第三方按照合同約定提供服務(wù)，并有權(quán)對(duì)第三方的工作進(jìn)行監(jiān)督。16.2.2義務(wù)乙方應(yīng)向第三方提供必要的資料和信息，配合第三方完成相關(guān)工作，并承擔(dān)因第三方工作失誤導(dǎo)致的損失。17.第三方的權(quán)利與義務(wù)17.1第三方的權(quán)利17.1.1收取合理服務(wù)費(fèi)用的權(quán)利。17.1.2要求甲方和乙方提供必要資料和信息以完成工作的權(quán)利。17.2第三方的義務(wù)17.2.1按照合同約定提供專業(yè)、高效的服務(wù)。17.2.2保護(hù)甲方和乙方提供的信息和資料的保密性。17.2.3對(duì)因自身原因造成的損失承擔(dān)相應(yīng)的責(zé)任。18.第三方與其他各方的劃分說(shuō)明18.1第三方與甲方第三方與甲方之間的關(guān)系僅限于合同約定的服務(wù)范圍，甲方對(duì)第三方的行為不承擔(dān)連帶責(zé)任。18.2第三方與乙方第三方與乙方之間的關(guān)系僅限于合同約定的服務(wù)范圍，乙方對(duì)第三方的行為不承擔(dān)連帶責(zé)任。18.3第三方與貸款銀行第三方與貸款銀行之間的關(guān)系僅限于貸款銀行要求第三方提供的服務(wù)范圍，第三方對(duì)貸款銀行不承擔(dān)直接責(zé)任。19.第三方介入的合同變更19.1合同變更的必要性如第三方介入導(dǎo)致合同內(nèi)容需要變更，甲乙雙方應(yīng)協(xié)商一致，簽訂補(bǔ)充協(xié)議，對(duì)原合同進(jìn)行相應(yīng)變更。19.2合同變更的程序19.2.1提出變更申請(qǐng)。19.2.2協(xié)商一致后簽訂補(bǔ)充協(xié)議。19.2.3報(bào)送相關(guān)監(jiān)管部門備案。20.第三方介入的爭(zhēng)議解決20.1爭(zhēng)議解決方式第三方介入引起的爭(zhēng)議，應(yīng)通過(guò)協(xié)商解決。20.2爭(zhēng)議解決機(jī)構(gòu)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。第三部分：其他補(bǔ)充性說(shuō)明和解釋說(shuō)明一：附件列表：1.借款人身份證復(fù)印件要求：清晰完整，能夠顯示借款人姓名、身份證號(hào)碼等信息。說(shuō)明：用于證明借款人身份，作為合同附件。2.貸款銀行審核批準(zhǔn)文件要求：由貸款銀行出具的書面文件，明確批準(zhǔn)貸款額度調(diào)整。說(shuō)明：證明貸款額度調(diào)整已獲得貸款銀行同意。3.還款計(jì)劃要求：詳細(xì)列出每月還款金額、還款日期等信息。說(shuō)明：用于指導(dǎo)借款人按計(jì)劃還款。4.貸款合同要求：合同文本清晰，條款完整。說(shuō)明：作為合同主體，詳細(xì)規(guī)定甲乙雙方的權(quán)利和義務(wù)。5.第三方服務(wù)協(xié)議要求：協(xié)議內(nèi)容清晰，權(quán)利義務(wù)明確。說(shuō)明：如需第三方介入，需簽訂服務(wù)協(xié)議，明確第三方職責(zé)。6.爭(zhēng)議解決協(xié)議要求：協(xié)議內(nèi)容明確，爭(zhēng)議解決方式具體。說(shuō)明：用于解決合同履行過(guò)程中可能出現(xiàn)的爭(zhēng)議。說(shuō)明二：違約行為及責(zé)任認(rèn)定：1.違約行為：逾期還款責(zé)任認(rèn)定標(biāo)準(zhǔn)：借款人未在約定的還款日償還本金及利息。示例：借款人應(yīng)于每月20日還款，但未在約定日期還款，構(gòu)成違約。2.違約行為：未按約定用途使用貸款責(zé)任認(rèn)定標(biāo)準(zhǔn)：借款人未將貸款用于約定的用途。示例：借款人將貸款用于非教育費(fèi)用，構(gòu)成違約。3.違約行為：提供虛假信息責(zé)任認(rèn)定標(biāo)準(zhǔn)：借款人在申請(qǐng)貸款過(guò)程中提供虛假信息。示例：借款人在申請(qǐng)貸款時(shí)提供虛假身份證信息，構(gòu)成違約。4.違約行為：貸款銀行未按時(shí)發(fā)放貸款責(zé)任認(rèn)定標(biāo)準(zhǔn)：貸款銀行未在約定的貸款發(fā)放時(shí)間內(nèi)發(fā)放貸款。示例：貸款銀行應(yīng)于8月31日前發(fā)放貸款，但未按時(shí)發(fā)放，構(gòu)成違約。5.違約行為：第三方服務(wù)不符合約定責(zé)任認(rèn)定標(biāo)準(zhǔn)：第三方提供的服務(wù)未達(dá)到合同約定的質(zhì)量標(biāo)準(zhǔn)。示例：第三方提供的服務(wù)未按時(shí)完成，或服務(wù)效果不符合要求，構(gòu)成違約。6.違約行為：合同解除責(zé)任認(rèn)定標(biāo)準(zhǔn)：合同一方在未經(jīng)對(duì)方同意的情況下解除合同。示例：借款人在未經(jīng)貸款銀行同意的情況下提前解除合同，構(gòu)成違約。全文完。2024年度國(guó)家助學(xué)貸款借款合同（貸款額度調(diào)整）1合同目錄第一章合同簽訂1.1合同雙方基本信息1.2合同簽訂日期1.3合同生效日期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還款方式第三章貸款額度調(diào)整3.1調(diào)整原因3.2調(diào)整流程3.3調(diào)整條件3.4調(diào)整時(shí)間第四章貸款額度調(diào)整后的還款計(jì)劃4.1調(diào)整后每月還款額4.2調(diào)整后還款期限4.3調(diào)整后還款方式第五章貸款利率調(diào)整5.1利率調(diào)整原因5.2利率調(diào)整方式5.3利率調(diào)整時(shí)間5.4利率調(diào)整后的還款計(jì)劃第六章逾期還款處理6.1逾期還款定義6.2逾期還款罰息6.3逾期還款催收6.4逾期還款后的還款計(jì)劃第七章合同變更與解除7.1合同變更條件7.2合同變更流程7.3合同解除條件7.4合同解除流程第八章?tīng)?zhēng)議解決8.1爭(zhēng)議解決方式8.2爭(zhēng)議解決機(jī)構(gòu)8.3爭(zhēng)議解決費(fèi)用第九章違約責(zé)任9.1違約責(zé)任定義9.2違約責(zé)任承擔(dān)9.3違約責(zé)任賠償?shù)谑潞贤郊?0.1合同附件清單10.2合同附件內(nèi)容第十一章合同簽訂地點(diǎn)第十二章合同簽署人12.1借款人12.2貸款機(jī)構(gòu)12.3證人第十三章合同簽署日期第十四章合同生效日期合同編號(hào)20240001_第一章合同簽訂1.1合同雙方基本信息借款人姓名：__________________借款人身份證號(hào)碼：_____________借款人聯(lián)系方式：________________貸款機(jī)構(gòu)名稱：__________________貸款機(jī)構(gòu)聯(lián)系方式：________________1.2合同簽訂日期合同簽訂日期：__________________1.3合同生效日期合同生效日期：合同簽訂日期起，自借款人收到貸款資金之日起正式生效。第二章貸款基本信息2.1貸款金額貸款金額：__________________2.2貸款期限貸款期限：__________________2.3貸款利率貸款利率：__________________2.4還款方式還款方式：等額本息/等額本金，具體還款方式由借款人與貸款機(jī)構(gòu)協(xié)商確定。第三章貸款額度調(diào)整3.1調(diào)整原因調(diào)整原因：__________________3.2調(diào)整流程調(diào)整流程：1.借款人向貸款機(jī)構(gòu)提出調(diào)整貸款額度的申請(qǐng)；2.貸款機(jī)構(gòu)審核借款人申請(qǐng)，確認(rèn)調(diào)整原因及條件；3.雙方協(xié)商確定調(diào)整后的貸款額度及還款計(jì)劃；4.調(diào)整后的貸款合同簽訂。3.3調(diào)整條件調(diào)整條件：1.借款人信用良好，無(wú)嚴(yán)重逾期記錄；2.調(diào)整后的貸款額度不超過(guò)貸款機(jī)構(gòu)規(guī)定的最高額度；3.調(diào)整后的還款計(jì)劃符合借款人還款能力。3.4調(diào)整時(shí)間調(diào)整時(shí)間：__________________第四章貸款額度調(diào)整后的還款計(jì)劃4.1調(diào)整后每月還款額調(diào)整后每月還款額：__________________4.2調(diào)整后還款期限調(diào)整后還款期限：__________________4.3調(diào)整后還款方式調(diào)整后還款方式：__________________第五章貸款利率調(diào)整5.1利率調(diào)整原因利率調(diào)整原因：__________________5.2利率調(diào)整方式利率調(diào)整方式：__________________5.3利率調(diào)整時(shí)間利率調(diào)整時(shí)間：__________________5.4利率調(diào)整后的還款計(jì)劃利率調(diào)整后的還款計(jì)劃：__________________第六章逾期還款處理6.1逾期還款定義逾期還款定義：借款人未按約定的還款日期還款的行為。6.2逾期還款罰息逾期還款罰息：__________________6.3逾期還款催收逾期還款催收：1.貸款機(jī)構(gòu)通過(guò)電話、短信等方式進(jìn)行催收；2.貸款機(jī)構(gòu)可委托第三方機(jī)構(gòu)進(jìn)行催收。6.4逾期還款后的還款計(jì)劃逾期還款后的還款計(jì)劃：__________________第七章合同變更與解除7.1合同變更條件合同變更條件：1.借款人信用良好，無(wú)嚴(yán)重逾期記錄；2.雙方協(xié)商一致。7.2合同變更流程合同變更流程：1.借款人向貸款機(jī)構(gòu)提出變更合同的申請(qǐng)；2.貸款機(jī)構(gòu)審核借款人申請(qǐng)，確認(rèn)變更原因及條件；3.雙方協(xié)商確定變更后的合同內(nèi)容；4.變更后的合同簽訂。7.3合同解除條件合同解除條件：1.借款人嚴(yán)重違約；2.貸款機(jī)構(gòu)因政策調(diào)整等原因無(wú)法繼續(xù)履行合同；3.雙方協(xié)商一致。7.4合同解除流程合同解除流程：1.一方提出解除合同申請(qǐng)；2.另一方確認(rèn)解除合同申請(qǐng)；3.雙方協(xié)商確定解除合同后的處理事宜；4.合同解除。第八章?tīng)?zhēng)議解決8.1爭(zhēng)議解決方式爭(zhēng)議解決方式：雙方應(yīng)通過(guò)友好協(xié)商解決爭(zhēng)議。若協(xié)商不成，任何一方均有權(quán)將爭(zhēng)議提交至貸款機(jī)構(gòu)所在地的人民法院訴訟解決。8.2爭(zhēng)議解決機(jī)構(gòu)爭(zhēng)議解決機(jī)構(gòu)：__________________8.3爭(zhēng)議解決費(fèi)用爭(zhēng)議解決費(fèi)用：由敗訴方承擔(dān)，除非法院另有判決。第九章違約責(zé)任9.1違約責(zé)任定義違約責(zé)任定義：借款人違反本合同約定的義務(wù)，應(yīng)承擔(dān)相應(yīng)的違約責(zé)任。9.2違約責(zé)任承擔(dān)違約責(zé)任承擔(dān)：1.借款人逾期還款，應(yīng)支付逾期罰息；2.借款人未按約定調(diào)整貸款額度，應(yīng)承擔(dān)違約責(zé)任；3.借款人未按約定調(diào)整貸款利率，應(yīng)承擔(dān)違約責(zé)任。9.3違約責(zé)任賠償違約責(zé)任賠償：借款人應(yīng)賠償貸款機(jī)構(gòu)因此遭受的直接經(jīng)濟(jì)損失。第十章合同附件10.1合同附件清單合同附件清單：1.借款人身份證復(fù)印件；2.貸款機(jī)構(gòu)相關(guān)證明文件；3.其他雙方認(rèn)為必要的文件。10.2合同附件內(nèi)容合同附件內(nèi)容：詳見(jiàn)合同附件清單。第十一章合同簽訂地點(diǎn)合同簽訂地點(diǎn)：__________________第十二章合同簽署人12.1借款人借款人簽字：__________________借款人簽字日期：__________________12.2貸款機(jī)構(gòu)貸款機(jī)構(gòu)代表簽字：__________________貸款機(jī)構(gòu)代表簽字日期：__________________12.3證人證人簽字：__________________證人簽字日期：__________________第十三章合同簽署日期合同簽署日期：__________________第十四章合同生效日期合同生效日期：__________________借款人（簽字）：__________________日期：__________________貸款機(jī)構(gòu)（簽字）：__________________日期：_______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________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