2025年度個(gè)人對(duì)個(gè)人信用貸款續(xù)貸合同標(biāo)準(zhǔn)模板4篇

20XX專業(yè)合同封面COUNTRACTCOVER20XX專業(yè)合同封面COUNTRACTCOVER甲方：XXX乙方：XXXPERSONALRESUMERESUME2025年度個(gè)人對(duì)個(gè)人信用貸款續(xù)貸合同標(biāo)準(zhǔn)模板合同編號(hào)_________一、合同主體1.甲方（貸款人）：名稱：____________________地址：____________________聯(lián)系人：__________________聯(lián)系電話：________________2.乙方（借款人）：名稱：____________________地址：____________________聯(lián)系人：__________________聯(lián)系電話：________________3.其他相關(guān)方：名稱：____________________地址：____________________聯(lián)系人：__________________聯(lián)系電話：________________二、合同前言2.1背景和目的本合同旨在明確甲方與乙方在2025年度個(gè)人對(duì)個(gè)人信用貸款續(xù)貸業(yè)務(wù)中的權(quán)利、義務(wù)及責(zé)任，確保雙方合法權(quán)益得到保障。2.2合同依據(jù)本合同依據(jù)《中華人民共和國(guó)合同法》、《中華人民共和國(guó)貸款通則》及相關(guān)法律法規(guī)制定。三、定義與解釋3.1專業(yè)術(shù)語（1）信用貸款：指甲方根據(jù)乙方的信用狀況，無需提供抵押、擔(dān)保，直接向乙方發(fā)放的貸款。（2）續(xù)貸：指在原貸款到期后，經(jīng)甲方同意，乙方申請(qǐng)繼續(xù)使用貸款的行為。3.2關(guān)鍵詞解釋（1）貸款金額：指甲方同意向乙方發(fā)放的貸款本金總額。（2）貸款期限：指乙方使用貸款的時(shí)間長(zhǎng)度。（3）還款方式：指乙方歸還貸款本金及利息的方式。（4）逾期利息：指乙方未按約定時(shí)間歸還貸款本金及利息所應(yīng)支付的利息。四、權(quán)利與義務(wù)4.1甲方的權(quán)利和義務(wù)（1）甲方有權(quán)對(duì)乙方的信用狀況進(jìn)行審查，有權(quán)決定是否發(fā)放貸款。（2）甲方有權(quán)要求乙方按照約定的時(shí)間和方式歸還貸款本金及利息。（3）甲方有權(quán)依法對(duì)逾期貸款采取催收措施。4.2乙方的權(quán)利和義務(wù)（1）乙方有權(quán)申請(qǐng)續(xù)貸，但需符合甲方規(guī)定的條件和要求。（2）乙方應(yīng)按照約定的時(shí)間和方式歸還貸款本金及利息。（3）乙方應(yīng)如實(shí)提供個(gè)人信息，不得隱瞞或提供虛假信息。五、履行條款5.1合同履行時(shí)間本合同自雙方簽字（或蓋章）之日起生效，貸款期限為________年。5.2合同履行地點(diǎn)本合同履行地點(diǎn)為：____________________。5.3合同履行方式乙方應(yīng)按照約定的還款方式，在貸款期限內(nèi)按時(shí)歸還貸款本金及利息。六、合同的生效和終止6.1生效條件本合同經(jīng)雙方簽字（或蓋章）后生效。6.2終止條件（1）貸款期限屆滿，乙方已按約定歸還全部貸款本金及利息。（2）合同約定的其他終止條件。6.3終止程序（1）合同終止前，雙方應(yīng)就終止事宜進(jìn)行協(xié)商。（2）合同終止后，雙方應(yīng)按照約定辦理相關(guān)手續(xù)。6.4終止后果（1）合同終止后，乙方應(yīng)立即停止使用貸款。（2）合同終止后，雙方應(yīng)按照約定辦理貸款余額的清償手續(xù)。七、費(fèi)用與支付7.1費(fèi)用構(gòu)成（1）貸款利息：按照甲方規(guī)定的利率計(jì)算，具體利率以合同簽訂時(shí)甲方公布的利率為準(zhǔn)。（2）逾期利息：如乙方未按時(shí)歸還貸款，則按照約定的逾期利率計(jì)算逾期利息。（3）其他費(fèi)用：包括但不限于提前還款違約金、賬戶管理費(fèi)等，具體費(fèi)用以合同附件為準(zhǔn)。7.2支付方式（1）自動(dòng)扣款：乙方同意授權(quán)甲方從其指定的銀行賬戶中自動(dòng)扣除貸款利息及其他費(fèi)用。（2）銀行轉(zhuǎn)賬：乙方可自行通過銀行轉(zhuǎn)賬方式支付貸款利息及其他費(fèi)用至甲方指定賬戶。7.3支付時(shí)間（1）貸款利息：每月的還款日支付當(dāng)月貸款利息。（2）其他費(fèi)用：在合同約定的繳費(fèi)期限內(nèi)支付。7.4支付條款（1）乙方應(yīng)在約定的支付時(shí)間內(nèi)完成支付，如逾期支付，則應(yīng)承擔(dān)相應(yīng)的違約責(zé)任。（2）甲方有權(quán)根據(jù)市場(chǎng)利率調(diào)整貸款利率，并在調(diào)整后的第一個(gè)還款周期開始時(shí)生效。八、違約責(zé)任8.1甲方違約（1）支付違約金：按照合同約定的比例支付違約金。（2）賠償損失：賠償乙方因甲方違約所遭受的直接損失。8.2乙方違約（1）支付違約金：按照合同約定的比例支付違約金。（2）賠償損失：賠償甲方因乙方違約所遭受的直接損失。（3）提前收回貸款：甲方有權(quán)提前收回全部或部分貸款。8.3賠償金額和方式違約金的具體金額和賠償損失的具體方式由雙方在合同中約定。九、保密條款9.1保密內(nèi)容雙方在本合同項(xiàng)下所獲得的對(duì)方商業(yè)秘密、技術(shù)秘密、財(cái)務(wù)信息等均屬保密內(nèi)容。9.2保密期限本合同項(xiàng)下的保密期限自合同簽訂之日起至合同終止后五年。9.3保密履行方式雙方應(yīng)采取一切合理措施，確保保密內(nèi)容的保密性。十、不可抗力10.1不可抗力定義不可抗力是指不能預(yù)見、不能避免并不能克服的客觀情況，如自然災(zāi)害、戰(zhàn)爭(zhēng)、政府行為等。10.2不可抗力事件（1）自然災(zāi)害：地震、洪水、臺(tái)風(fēng)等。（2）政府行為：政策變動(dòng)、法律法規(guī)變更等。10.3不可抗力發(fā)生時(shí)的責(zé)任和義務(wù)發(fā)生不可抗力事件時(shí)，雙方應(yīng)相互理解，并盡力減輕不可抗力帶來的影響。10.4不可抗力實(shí)例（1）地震：地震導(dǎo)致甲方無法正常履行合同義務(wù)。（2）政策變動(dòng)：政府調(diào)整貸款利率，導(dǎo)致合同條款需要調(diào)整。十一、爭(zhēng)議解決11.1協(xié)商解決雙方應(yīng)友好協(xié)商解決合同履行過程中發(fā)生的爭(zhēng)議。11.2調(diào)解、仲裁或訴訟如協(xié)商不成，雙方可選擇調(diào)解、仲裁或訴訟方式解決爭(zhēng)議。十二、合同的轉(zhuǎn)讓12.1轉(zhuǎn)讓規(guī)定未經(jīng)對(duì)方同意，任何一方不得轉(zhuǎn)讓本合同項(xiàng)下的權(quán)利和義務(wù)。12.2不得轉(zhuǎn)讓的情形（1）本合同項(xiàng)下的貸款本金及利息。（2）本合同項(xiàng)下的違約責(zé)任。（3）本合同項(xiàng)下的保密條款。十三、權(quán)利的保留13.1權(quán)力保留甲方保留對(duì)本合同內(nèi)容的解釋權(quán)，并在必要時(shí)對(duì)合同條款進(jìn)行修改。13.2特殊權(quán)力保留甲方保留在乙方違約時(shí)的權(quán)利，包括但不限于提前收回貸款、解除合同等。十四、合同的修改和補(bǔ)充14.1修改和補(bǔ)充程序合同的修改和補(bǔ)充需經(jīng)雙方協(xié)商一致，并以書面形式進(jìn)行。14.2修改和補(bǔ)充效力經(jīng)雙方簽署的修改和補(bǔ)充協(xié)議與本合同具有同等法律效力。十五、協(xié)助與配合15.1相互協(xié)作事項(xiàng)雙方應(yīng)相互協(xié)助，確保合同的有效履行。15.2協(xié)作與配合方式雙方應(yīng)按照合同約定或協(xié)商一致的方式，相互協(xié)作、配合。十六、其他條款16.1法律適用本合同適用中華人民共和國(guó)法律。16.2合同的完整性和獨(dú)立性本合同構(gòu)成雙方之間的完整協(xié)議，并具有獨(dú)立性。16.3增減條款未經(jīng)雙方書面同意，本合同不得增減任何條款。十七、簽字、日期、蓋章甲方（貸款人）：簽字：____________________日期：____________________蓋章：____________________乙方（借款人）：簽字：____________________日期：____________________蓋章：____________________附加條款：_________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________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