英文版銀行借款合同范本

英文版銀行借款合同范本合同編號：__________partiesthiscontract(hereinafterreferredtoasthe"contract")isenteredintoandbetweenthelender(hereinafterreferredtoasthe"lender")andtheborrower(hereinafterreferredtoasthe"borrower")asfollows:article1purposeandscopeofthecontract1.1thelenderagreestolendtotheborrowertheprincipalamountofupto(insertamount)usd(the"principalamount"),subjecttothetermsandconditionssetforthherein.article2termsoftheloan2.1interesttheborrowershallpayinterestontheoutstandingprincipalamountoftheloanatanannualinterestrateof(insertinterestrate)percentperannum,calculatedonadailybasisandpayablemonthlyinarrears.2.2repaymenttheborrowershallrepaytheprincipalamountoftheloanin(insertnumber)installments,eachintheamountof(insertamount)usd,payableonthedatesspecifiedinthescheduleofprincipalpaymentsattachedheretoasschedulea(the"scheduleofprincipalpayments").2.3prepaymenttheborrowershallhavetherighttoprepaytheoutstandingprincipalamountoftheloaninfullorinpartatanytimewithoutpenalty,providedthatthelendershallhavetherighttorequiretheborrowertopayinterestontheprepaidamountattheapplicableinterestratefortheperiodfromthedateofprepaymenttothematuritydateoftheloan.article3conditionsoftheloan3.1loanagreementthelenderandtheborrowershallenterintoaloanagreement(the"loanagreement")inwriting,settingforththetermsandconditionsoftheloan,including,withoutlimitation,theamountoftheloan,theinterestrate,thematuritydate,thescheduleofprincipalpayments,andtherepresentations,warrantiesandcovenantsoftheborrower.3.2collateralassecurityforthepromptpaymentoftheprincipalamountandinterestontheloan,theborrowershallprovidetothelendersuchcollateralasthelendermayrequireinitssolediscretion,informandsubstancesatisfactorytothelender.3.3duediligencethelendershallhavetherighttoconductsuchduediligenceasitdeemsnecessaryorappropriateinconnectionwiththeloan,including,withoutlimitation,areviewoftheborrower'sfinancialstatements,areviewoftheborrower'sbusinessplanandareviewoftheborrower'screditworthiness.article4representationsandwarranties4.1borrowertheborrowerrepresentsandwarrantstothelenderthat:(a)theborrowerisalegalentitydulyorganizedandvalidlyexistingunderthelawsofthejurisdictionofitsorganization;(b)theborrowerhasthepowerandauthoritytoenterintoandperformitsobligationsunderthecontract;(c)theborrowerisdulyqualifiedorlicensedtodobusinessineachjurisdictioninwhichitsbusinessisconducted;(d)theborrowerisingoodstandingwiththeapplicableregulatoryauthorities;(e)theborrowerisnotsubjecttoanylegalproceedingorinvestigationthatcouldreasonablybeexpectedtohaveamaterialadverseeffectontheborrower'sbusinessorfinancialcondition;(f)theborrowerhasnotenteredintoanyagreementorunderstandingwithanypersonorentitythatcouldreasonablybeexpectedtohaveamaterialadverseeffectontheborrower'sbusinessorfinancialcondition;(h)theborrowerhasnotengagedinanyillegalorfraudulentconduct.4.2lenderthelenderrepresentsandwarrantstotheborrowerthat:(a)thelenderisalegalentitydulyorganizedandvalidlyexistingunderthelawsofthejurisdictionofitsorganization;(b)thelenderhasthepowerandauthoritytoenterintoandperformitsobligationsunderthecontract;(c)thelenderisafinancialinstitutiondulylicensedorcharteredunderthelawsofthejurisdictionofitsorganization;(d)thelenderisingoodstandingwiththeapplicableregulatoryauthorities;(e)thelenderhastheresourcesandexpertisetoprovidetheloan;and(f)thelenderhasnotengagedinanyillegalorfraudulentconduct.article5covenants5.1borrowertheborrowercovenantsandagreeswiththelenderthat:(a)the一、附件列表：1.貸款協(xié)議（LoanAgreement）2.貸款還款計劃表（ScheduleofPrincipalPayments）3.借款人財務報表（Borrower'sFinancialStatements）4.借款人業(yè)務計劃（Borrower'sBusinessPlan）5.借款人信用評估報告（Borrower'sCreditworthinessReview）6.貸款抵押物清單（ListofCollateral）7.貸款盡職調查報告（LoanDueDiligenceReport）二、違約行為及認定：1.借款人未能按約定的還款計劃及時還款，視為違約。2.借款人提供的抵押物不符合合同約定的，視為違約。3.借款人在合同有效期內，發(fā)生重大不利法律事件，影響其履行合同能力，視為違約。4.借款人在合同有效期內，未經(jīng)貸款人同意，擅自變更貸款用途，視為違約。5.借款人未履行合同約定的其他義務，視為違約。三、法律名詞及解釋：1.借款人（Borrower）：指合同中約定的接受貸款的一方。2.貸款人（Lender）：指合同中約定提供貸款的一方。3.貸款（Loan）：指合同中約定的借款人從貸款人處獲得的資金。4.利息（Interest）：指借款人按照約定支付給貸款人的借款使用費用。5.還款（Repayment）：指借款人按照約定歸還貸款本金及支付利息的行為。6.違約（Default）：指借款人未能履行合同約定的義務。四、執(zhí)行中遇到的問題及解決辦法：1.問題：借款人未能按約定的還款計劃及時還款。解決辦法：貸款人可以與借款人協(xié)商延期還款，或依法采取催收措施。2.問題：借款人提供的抵押物不符合合同約定。解決辦法：貸款人可以要求借款人提供符合約定的抵押物，或依法采取其他保障措施。3.問題：借款人在合同有效期內發(fā)生重大不利法律事件，影響其履行合同能力。解決辦法：貸款人可以要求借款人提供額外擔保，或依法采取其他保障措施。4.問題：借款人未履行合同約定的