借款合同 中英文借款合同范本參考.doc

1、中英文借款合同范本參考中英文借款合同范本參考借款人：borrower：貸款人：lender：抵押人：mortgagor：保證人：surety ：出質(zhì)人：pledgeor：為明確各方權(quán)利和義務(wù)，根據(jù)合同法、貸款通則和其他有關(guān)法律、法規(guī)，訂立本合同。this contract is made in line with the contract law of the peoples republic of china and the general provisions of loans of the peoples bank of china to specify the rights and o

2、bligations of parties involved.借 貸 條 款loan borrowing clause第一條 借款金額。見(jiàn)36.1article 1. amount of loan： refer to 36.1第二條 借款用途。見(jiàn)36.2article 2. purpose of loan： refer to 36.2第三條 借款期限。article 3. life of loan3.1見(jiàn)36.3.3.1 refer to 36.33.2借據(jù)或貸款憑證是本合同不可分割的組成部分。借款的實(shí)際放款日和還款日以借款人、貸款人雙方辦理的借據(jù)或憑證上所記載的日期為準(zhǔn)。除日期外，借據(jù)或憑證

3、其他記載事項(xiàng)如與本合同不一致的，以本合同為準(zhǔn)。3.2 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 loan voucher . where there is any inconsistency between the stipulations on

4、the certificate of indebtedness or loan voucher and the terms and conditions on this contract except date， the latter shall prevail.第四條 借款劃付。在借款人辦妥借款手續(xù)后5個(gè)營(yíng)業(yè)日內(nèi)將全部款項(xiàng)劃至借款人指定的賬戶，劃付次數(shù)、時(shí)間、金額見(jiàn) 36.4 .第五條 article 4 transferring of loan. the full amount of loan shall be transferred to an account designated by

5、 the borrower within 5 working days from the date of completing borrowing procedure. refer to 36.4 for the frequency， time and amount of transferring第五條 借款利率和計(jì)息。article 5. interest rate of loan and calculation5.1借款利率。本合同項(xiàng)下借款利率根據(jù)國(guó)家有關(guān)規(guī)定，確定利率見(jiàn)36。5 .遇利率調(diào)整時(shí)，借款期限在1年(含)以下的，執(zhí)行合同利率，不分段計(jì)息;借款期限在1年以上的，實(shí)行分段計(jì)息，從利

6、率調(diào)整的次年1月1日開(kāi)始，按相應(yīng)利率的檔次執(zhí)行新的利率;如借款人未按約定時(shí)間歸還借款本息或未按合同約定用途使用借款，貸款人將按國(guó)家規(guī)定對(duì)借款人計(jì)收罰息，罰息率見(jiàn)36.6.5.1 interest rate of loan： the interest rate under this contract is specified in 36.5 in line with relevant rules. in case of change of interest rate， the interest rate stipulated in the contract shall prevail for l

7、oans 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， i.e. from next jan. 1st following the adjustment of interest rate， the new rate shall prevail. in case the borrower fails to repay the principal and

8、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 36.6.5.2遇利率調(diào)整時(shí)，實(shí)行分段計(jì)息的，貸款人有權(quán)根據(jù)國(guó)家有關(guān)規(guī)定自行調(diào)整，不另行通知借款人。5.2 in case of calculating

9、 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.第六條 還款方式。article 6 type of repayment of loan6.1借款人應(yīng)在貸款人開(kāi)設(shè)帳戶，戶名和帳號(hào)見(jiàn) 36.7 ，并保證在每次還款日前足額存入當(dāng)期應(yīng)還款項(xiàng)的存款。借款人在此授權(quán)貸款人從借款人該帳戶中扣收借款本金、利息和可

10、能發(fā)生的復(fù)利、罰息、違約金、保費(fèi)、損害賠償金及實(shí)現(xiàn)債權(quán)的費(fèi)用(含律師費(fèi)和訴訟費(fèi))如該帳戶資產(chǎn)不足以歸還到期的貸款本息，貸款人有權(quán)從借款人在中國(guó)工商銀行任何分支機(jī)構(gòu)開(kāi)立的任何帳戶劃收。6.1 the borrower should open an account with the lender( the account name and account number are specified in 36.7.) and promise to deposit sufficient money for repayment before each due date. the borrower her

11、eby authorizes the lender to collect ， if any， compound interest， default interest， liquidated damage， premium， compensation 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 t

12、his account 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 icbc.6.2貸款人與借款人雙方商定，自貸款發(fā)放次月起，借款人按月歸還貸款本息(一次性還本付息除外)，還款期數(shù)及還款方式見(jiàn) 36.8 .6.2 the borrower shall repay the principal and interest on a

13、monthly basis (except repaying 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 36.8.6.3借款期間遇利率調(diào)整，如執(zhí)行本合同5.1條實(shí)行分段計(jì)息的，對(duì)借款期限在1年以上的，應(yīng)從利率調(diào)整的次年1月1日開(kāi)始根據(jù)未償還借款余額和剩余還款期數(shù)進(jìn)行調(diào)整，重新計(jì)

14、算還款金額。6.3 in case of multi-stage calculation of interest as specified in 5.1 due 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 nex

15、t jan. 1st following the adjustment of interest rate.6.4借款人提前歸還貸款須經(jīng)貸款人書(shū)面同意，提前歸還部分的利息仍按本合同約定的利率和該部分實(shí)際使用天數(shù)計(jì)算。6.4 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 specifi

16、ed in this contract and actual days.第七條 擔(dān)保方式。本合同的擔(dān)保人及擔(dān)保方式見(jiàn) 36.9.具體約定由本合同中相應(yīng)的擔(dān)保條款確足。article 7 guaranty type. the guarantor and guaranty type under this contract is specified in 36.9. the specific stipulations are stated in corresponding guaranty clauses.第八條 借款人的權(quán)利、義務(wù)。article 8 rights and obligations

17、of the borrower.8.1借款人的權(quán)利：8.1 rights of the borrower.按本合同約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 this contract.違反借款合同的責(zé)任：1、貸款方的責(zé)任：貸款方不按合同規(guī)定及時(shí)貸款，應(yīng)償付違約金。2、借款方的責(zé)任：借款方不按合同規(guī)定歸還貸款的，應(yīng)當(dāng)承擔(dān)違約責(zé)任，并加付利息。借款方不按合同規(guī)定使用政策性貸款的，應(yīng)當(dāng)加付利息;貸款方有權(quán)提前收回一部分或全部貸款。民間借款合同的注意事項(xiàng)：隨著市場(chǎng)經(jīng)濟(jì)的發(fā)展，經(jīng)濟(jì)生活

18、較為寬裕，資金使用效益被受到重視，民間債權(quán)債務(wù)關(guān)系日趨增多。那么，怎樣才能較好的保護(hù)民間債權(quán)債務(wù)關(guān)系的合法有序以及當(dāng)事人的合法權(quán)益呢?我們的處理經(jīng)驗(yàn)是 ：1.訴訟時(shí)效問(wèn)題。需要注意：借款沒(méi)有約定還款期限的，債權(quán)人可以隨時(shí)提出還款主張，不受兩年訴訟時(shí)效的限制，但提出還款主張后兩年內(nèi)沒(méi)有繼續(xù)主張的，視為超過(guò)訴訟時(shí)效，法律不予支持。2.原告主張債權(quán)必須提供書(shū)面借據(jù);無(wú)書(shū)面借據(jù)或無(wú)法提供的，應(yīng)提供必要的事實(shí)根據(jù)或與自己無(wú)利害關(guān)系的兩人以上的證人證言，來(lái)支持自己的主張。欠條或者借條在債務(wù)人之手時(shí)一般將被推定為該債務(wù)已經(jīng)清償。3.民間借貸的利率可以高于銀行利率，但最高不得超過(guò)銀行利率的4倍(含利率本數(shù))，但一定要明確約定，沒(méi)有約定利息的，視為無(wú)息借款。約定超出銀行同期利率4倍的，超出部分的利息依法不予保護(hù)。出借人不得將利息計(jì)入本金謀取高利，審理中發(fā)現(xiàn)借款人將利息計(jì)入本金計(jì)算復(fù)利的，只返還本金。4.出借人明知是為了進(jìn)行非法活動(dòng)而借款的，典型的例子是賭債，其借貸關(guān)系不予保護(hù)。對(duì)雙方的違法借貸行為，可按照有關(guān)法律予以制裁。5.行為人以借款人的名義出具的借據(jù)代其借款，借款人不承認(rèn)，行為人又