個人借款合同英文版

個人借款合同（英文版）

　　導語：在我們的日常生活中，借貸行為是較為常見的，通常表現為向親朋好友借款或者像銀行貸款，這種時候我們應該如何擬寫個人借款合同呢?今天小編就帶大家看看一篇個人借款合同(英文版)，歡迎大家閱讀!

　　個人借款合同(英文版)

　　borrower:

　　lender:

　　mortgagor:

　　surety :

　　pledgeor:

　　this contract is made in line with the contract law of the people's republic of china and the general provisions of loans of the people's bank of china to specify the rights and obligations of parties involved.

　　loan borrowing clause

　　article 1. amount of loan: refer to 36.1

　　article 2. purpose of loan: refer to 36.2

　　article 3. life of loan

　　3.1 refer to 36.3

　　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 the certificate of indebtedness or loan voucher and the terms and conditions on this contract except date, the latter shall prevail.

　　article 4 transferring of loan. the full amount of loan shall be transferred to an account designated by 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

　　article 5. interest rate of loan and calculation

　　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 loans 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 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 in case of calculating 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.

　　article 6 type of repayment of loan

　　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 hereby authorizes the lender to collect , if any, compound interest, default interest, liquidated damage, premium, compensation and expenses arising from the realization of creditor’s right (including lawyer’s fee and court expense)in addition to due principal and interest of loan. in case the asset in this 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 the borrower shall repay the principal and interest on a 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 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 next jan. 1st following the adjustment of interest rate.

　　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 specified in this contract and actual days.

　　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.

　　article 8 rights and obligations of the borrower.

　　8.1 rights of the borrower.

　　obtain and use the loan for the period and purposes as agreed in this contract.

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