Contents of formal loan contract template
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. .
Notes on formal loan contract template
1. The issue of statute of limitations. It should be noted that if there is no agreed repayment period for the loan, the creditor can make a claim for repayment at any time, and is not restricted by the two-year statute of limitations. However, if the claim is not continued within two years after the claim for repayment is made, the creditor will be deemed to have exceeded the statute of limitations and will not be considered by law. support.
2. The plaintiff must provide a written IOU when claiming credit; if there is no written IOU or cannot be provided, he should provide necessary factual basis or the testimony of two or more witnesses who have no interest in the claim to support his claim. When an IOU or IOU is in the hands of the debtor, it is generally presumed that the debt has been paid.
3. The lender knowingly borrows money for illegal activities. A typical example is gambling debt, and the lending relationship will not be protected. Illegal lending activities by both parties may be punished in accordance with relevant laws.
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