Personal loan contract template content
1. Type of loan
The types of loans are mainly divided according to the industry attributes of the borrower, the purpose of the loan, and the source and use of funds. For different types of loans, the national credit policy has different provisions on loan limits, interest rates, etc., to reflect the credit principle of differentiated treatment and selective support. Therefore, the loan contract must specify the type of loan, which is an indispensable main clause of the loan contract.
2. Loan currency
The loan currency is the type of the subject matter of the loan contract. In addition to RMB, the subject matter of the loan contract also includes some foreign currencies, such as US dollars, Japanese yen, euros, etc. Different currency types have different loan interest rates, and the loan contract should clearly specify the currency type.
3. Purpose of borrowing
The purpose of borrowing refers to the scope and content of the loan, that is, which factors of production the loan is combined with during the production and reproduction process. It stipulates the direction of the use of the loan. The purpose of borrowing is determined by the type and conditions of the loan. The bank strictly stipulates the purpose of various borrowings and supervises the use of loans, which is conducive to ensuring the implementation of national industrial policies and the coordinated development of the national economy, and is also conducive to ensuring the safety of the loan. .
Things to note about personal loan contract template
1. The borrower’s liability for breach of contract
1. If the borrower does not use the loan for the purpose specified in the contract, the lender has the right to recover part or all of the loan. For the portion used in default, penalty interest will be charged at the interest rate specified by the bank. In serious cases, banks may stop issuing new loans within a certain period of time.
2. If the borrower fails to repay the loan overdue, the lender has the right to recover the loan and charge penalty interest according to bank regulations. If the borrower repays the loan in advance, interest shall be added (subtracted) according to regulations.
3. If the borrower uses the loan to cause losses and waste or uses the loan contract to engage in illegal activities, the lender should recover the principal and interest of the loan, and the relevant unit should hold the person directly responsible for administrative and economic responsibility. If the case is serious, the judicial authority will pursue criminal responsibility.
2. Lender’s liability for breach of contract
1. If the lender fails to provide the loan on time, it shall pay the borrower liquidated damages based on the default amount and the number of days of extension. The calculation of the amount of liquidated damages shall be the same as the calculation of the penalty interest charged to the borrower.
2. Employees of banks and credit unions who cause loan losses and waste due to dereliction of duty or use loan contracts to engage in illegal activities should be held administratively and economically responsible. If the circumstances are serious, criminal responsibility should be investigated by judicial organs.
The editor recommends:
The personal loan contract template is a free template. You can download the source file for you to edit, modify and replace. Huajun Software Park also providesCounter guarantee contract template,Distribution contract templatedownload.
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