Contents of private loan contract template
1. Private loan contracts are free contracts
The form of a private loan contract can be determined by the parties themselves, and it can be in written or oral form.
2. Private loan contracts can be paid or unpaid
A paid loan contract means that the borrower has to pay interest to the lender. Different from the loan contract relationship between financial institutions, which is the business of the lender, the lender in the private loan contract does not operate loans as its business, and whether to charge interest on the money lent to others is determined by the parties through independent negotiation. If there is no agreement or the agreement is unclear, the "Contract Law" stipulates that "if a loan contract between natural persons does not agree on the payment of interest or the agreement is unclear, it will be deemed that no interest has been paid."
The interest rate of paid private loan contracts is also subject to restrictions, but it can be much higher than the interest rate of financial institution loan contracts. The "Contract Law" stipulates that "if a loan contract between natural persons stipulates the payment of interest, the interest rate of the loan shall not violate the state's regulations restricting loan interest rates." The specific provisions on the interest rate of private loan contracts in our country's judicial practice are, "the interest rate of private loans The interest rate can be appropriately higher than the bank's interest rate, and the local people's courts can determine the specific situation based on the actual situation of the region, but the maximum cannot exceed four times the bank's similar loan interest rate (including the principal amount of the interest rate). If it exceeds this limit, the excess interest will not be paid. Protect."
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The private loan contract template is a free template. You can download the source file for you to edit, modify and replace. Huajun Software Park also providesTransportation contract template,Labor agreement templatedownload.
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