中英文借款合同範本

　　借款合同，是當事人約定一方將一定種類和數額的貨幣所有權移轉給他方，他方於一定期限內返還同種類同數額貨幣的合同。以下是小編今天為大家精心準備的：中英文借款合同相關範本。歡迎閱讀和參考!

　　如下：

　　借款人：

　　borrower：

　　貸款人：

　　lender：

　　抵押人：

　　mortgagor：

　　保證人：

　　surety ：

　　出質人：

　　pledgeor：

　　為明確各方權利和義務，根據《合同法》、《貸款通則》和其他有關法律、法規，訂立本合同。

　　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.

　　借貸條款

　　loan borrowing clause

　　第一條借款金額。見36.1

　　article 1. amount of loan： refer to 36.1

　　第二條借款用途。見36.2

　　article 2. purpose of loan： refer to 36.2

　　第三條借款期限。

　　article 3. life of loan

　　3.1見36.3.

　　3.1 refer to 36.3

　　3.2借據或貸款憑證是本合同不可分割的組成部分。借款的實際放款日和還款日以借款人、貸款人雙方辦理的借據或憑證上所記載的日期為準。除日期外，借據或憑證其他記載事項

　　如與本合同不一致的，以本合同為準。

　　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.

　　第四條借款劃付。在借款人辦妥借款手續後5個營業日內將全部款項劃至借款人指定的賬戶，劃付次數、時間、金額見 3 .

　　第五條 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 3 for the frequency， time and amount of transferring

　　第五條借款利率和計息。

　　article 5. interest rate of loan and calculation

　　5.1借款利率。本合同項下借款利率根據國家有關規定，確定利率見—36—。5 .遇利率調整時，借款期限在1年含以下的，執行合同利率，不分段計息;借款期限在1年以上的，實行分段計息，從利率調整的次年1月1日開始，按相應利率的檔次執行新的利率;如借款人未按約定時間歸還借款本息或未按合同約定用途使用借款，貸款人將按國家規定對借款人計收罰息，罰息率見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 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遇利率調整時，實行分段計息的，貸款人有權根據國家有關規定自行調整，不另行通知借款人。

　　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.

　　第六條還款方式。

　　article 6 type of repayment of loan

　　6.1借款人應在貸款人開設帳戶，戶名和帳號見 36.7 ，並保證在每次還款日前足額存入當期應還款項的存款。借款人在此授權貸款人從借款人該帳戶中扣收借款本金、利息和可能發生的複利、罰息、違約金、保費、損害賠償金及實現債權的費用含律師費和訴訟費如該帳戶資產不足以歸還到期的貸款本息，貸款人有權從借款人在中國工商銀行任何分支機構開立的任何帳戶劃收。

　　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 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 expensein 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貸款人與借款人雙方商定，自貸款發放次月起，借款人按月歸還貸款本息一次性還本付息除外，還款期數及還款方式見 36.8 .

　　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借款期間遇利率調整，如執行本合同5.1條實行分段計息的，對借款期限在1年以上的，應從利率調整的次年1月1日開始根據未償還借款餘額和剩餘還款期數進行調整，重新計算還款金額。

　　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 next jan. 1st following the adjustment of interest rate.

　　借款人提前歸還貸款須經貸款人書面同意，，提前歸還部分的利息仍按本合同約定的利率和該部分實際使用天數計算。

　　 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.

　　第七條擔保方式。本合同的擔保人及擔保方式見 36.9.具體約定由本合同中相應的擔保條款確足。

　　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.

　　第八條借款人的權利、義務。

　　article 8 rights and obligations of the borrower.

　　8.1借款人的權利：

　　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.

　　違反借款合同的責任：

　　1、貸款方的責任：貸款方不按合同規定及時貸款，應償付違約金。

　　2、借款方的責任：借款方不按合同規定歸還貸款的，應當承擔違約責任，並加付利息。借款方不按合同規定使用政策性貸款的，應當加付利息;貸款方有權提前收回一部分或全部貸款。

　　民間借款合同的注意事項：

　　隨著市場經濟的發展，經濟生活較為寬裕，資金使用效益被受到重視，民間債權債務關係日趨增多。那麼，怎樣才能較好的保護民間債權債務關係的合法有序以及當事人的合法權益呢?我們的處理經驗是：

　　1.訴訟時效問題。需要注意：借款沒有約定還款期限的，債權人可以隨時提出還款主張，不受兩年訴訟時效的限制，但提出還款主張後兩年內沒有繼續主張的，視為超過訴訟時效，法律不予支援。