中英文銀行借款合同_范本范文

1、中英文銀行借款合同 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，依據(jù)合同法、貸款通則和其他有關法律、法規(guī)，訂立本合同。 This Contract is made in line with the Contract Law of the Peoples Republic of China and The General Provisions of Loans of the Peoples Bank of China to specify the rights and obligat

2、ions of parties involved. 借 貸 條 款 Loan Borrowing Clause 第一條 借款金額 Article 1. Amount of loan： 其次條 借款用途 Article 2. Purpose of loan： 第三條 借款期限 Article 3. Life of loan 3.2借據(jù)或貸款憑證是本合同不行分割的組成部分。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(jù)或憑證上所記載的日期為準。除日期外，借據(jù)或憑證其他記載事項如與本合同不全都的，以本合同為準。 3.2 A certificate of indebtedness or a l

3、oan 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 a

4、nd Conditions on this Contract except date， the latter shall prevail. 第四條 借款劃付Article 4 Transferring of loan. 借款人辦妥借款手續(xù)后5個營業(yè)日內將全部款項劃至借款人指定的賬戶，劃付次數(shù)、時間、金額見 . The full amount of loan shall be transferred to an Account designated by the Borrower within 5 working days from the date of completing borrowin

5、g procedure. Refer to 36.4 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依據(jù)國家有關規(guī)定，確定利率見 .遇利率調整時，借款期限在1年（含）以下的，執(zhí)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日開頭，按相應利率的檔次執(zhí)行新的利率；如借款人未按商定時間歸還借款本息或未按合同商定用途使用借款，貸款人將按國家規(guī)定對借款人計收罰

6、息，罰息率見 . 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 ex

7、ceeding 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 agree

8、d 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，貸款人有權依據(jù)國家有關規(guī)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 len

9、der 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 ，并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(fā)生的復利、罰息、違約金、保費、損害賠償金及實現(xiàn)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

10、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， defau

11、lt interest， liquidated damage， premium， compensation and expenses arising from the realization of creditors right （including lawyers 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，

12、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(fā)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(shù)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）

13、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(zhí)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日開頭依據(jù)未償還借款余額和剩余還款期數(shù)進行調整，重新計算還款金額。 6.3 In case of multi-stage calculation of interest as specifi

14、ed 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借款人提前歸還貸款須

15、經貸款人書面同意，提前歸還部分的利息仍按本合同商定的利率和該部分實際使用天數(shù)計算。 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. 第七條 擔保方式 Article 7 Guaranty type. 本合同的擔保人及擔保方式見 36.9.詳細商定由本合同中相應的擔保條款確足。 The Guarantor and guaranty type under this Contract is specified in 36.9. The specific stipulations are stated in c