信用社無(wú)抵押信貸合同范例

信用社無(wú)抵押信貸合同范例合同編號(hào)：__________甲方（貸款方）：__________乙方（借款方）：__________根據(jù)《中華人民共和國(guó)合同法》、《中華人民共和國(guó)商業(yè)銀行法》及相關(guān)法律法規(guī)，甲乙雙方在平等、自愿、公平、誠(chéng)實(shí)信用的原則基礎(chǔ)上，就甲方為乙方提供無(wú)抵押信貸事宜，達(dá)成如下協(xié)議：一、貸款金額1.甲方同意向乙方提供人民幣_(tái)_________元整（大寫(xiě)：___________________________元整）的貸款。二、貸款用途乙方貸款用途必須符合國(guó)家法律法規(guī)、政策規(guī)定，不得用于非法經(jīng)營(yíng)、賭博、炒股等高風(fēng)險(xiǎn)投資等行為。如乙方未按約定用途使用貸款，甲方有權(quán)采取提前收回貸款、增收罰息等措施。三、貸款期限1.本次貸款期限為_(kāi)___個(gè)月，自貸款發(fā)放之日起計(jì)算。2.乙方應(yīng)在貸款到期日一次性還清貸款本金及利息。四、貸款利率1.本次貸款年利率為_(kāi)___%（具體執(zhí)行利率以甲方實(shí)際公布利率為準(zhǔn)）。2.乙方應(yīng)按月支付利息，利息計(jì)算方式為：利息=貸款本金×年利率÷12。五、還款方式1.乙方應(yīng)按月向甲方支付貸款利息，利息支付方式為轉(zhuǎn)賬支付。2.貸款到期時(shí)，乙方應(yīng)一次性還清貸款本金。六、擔(dān)保措施1.本合同為無(wú)抵押信貸合同，乙方無(wú)需提供抵押物。2.乙方應(yīng)提供真實(shí)、完整的個(gè)人信息及財(cái)務(wù)狀況，如甲方發(fā)現(xiàn)乙方提供虛假信息，甲方有權(quán)立即收回貸款，并追究乙方的法律責(zé)任。七、違約責(zé)任1.乙方未按約定用途使用貸款，甲方有權(quán)提前收回貸款，并增收罰息。2.乙方未按約定時(shí)間還款，甲方有權(quán)增收罰息，并采取法律手段追討貸款。八、爭(zhēng)議解決1.本合同簽訂后，甲乙雙方應(yīng)嚴(yán)格遵守合同約定，如發(fā)生爭(zhēng)議，應(yīng)友好協(xié)商解決。2.如協(xié)商無(wú)果，任何一方均有權(quán)向甲方所在地人民法院提起訴訟。九、其他約定1.本合同一式兩份，甲乙雙方各執(zhí)一份。2.本合同自雙方簽字（或蓋章）之日起生效。甲方（貸款方）：__________乙方（借款方）：__________簽訂日期：__________年__________月__________日_____________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________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