1. Is an installment loan contract valid?

A loan installment contract is valid if it meets the conditions for effectiveness stipulated by law. The main conditions are as follows: the parties have expressed their true intentions; Be a person with corresponding capacity for civil conduct; the content of the contract must not violate laws, regulations or public order and good customs; other legal conditions for validity, etc.

Legal Basis

Article 143 of the Civil Code

Civil legal acts that meet the following conditions are valid:

(1) The actor has the corresponding capacity for civil conduct;

(2) The expression of intention is true;

(3) It does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs .

Article 469

The parties may conclude a contract in written form, oral form or other forms.

Written form is a contract, letter, telegram, telex, fax, etc. that can tangibly express the content contained therein.

Data messages that can tangibly express the content through electronic data exchange, email, etc., and can be retrieved at any time, are deemed to be in written form.

Article 471

The parties may conclude a contract by means of offer, acceptance or other means.

2. How to make entries for an installment payment contract?

1. If the installment payment does not exceed normal credit conditions (usually refers to the payment period)

2. If the installment payment exceeds normal credit conditions (usually refers to the payment period exceeding 3 years), deferred payment The payment for goods is essentially financing in nature, and the time value needs to be considered: (1) Borrowing at the time of purchase: raw materials (the present value of the actual payment amount, that is, the payment amount in each period needs to be converted into the sum of the present values) and taxes payable ——VAT payable (input tax) Unrecognized financing charges (difference between contract price and total present value) Credit: Long-term payables (contract price) Bank deposits (input tax paid) (2) Prepare "Unrecognized financing charges" "Apportionment table" calculates the financing expenses that should be apportioned each year (3) During the installment payment period, at the end of each year, entries must be made to pay installment accounts payable and allocate financing expenses. Debit: Long-term payables: Debit: Bank deposits : Financial expense loan: Unconfirmed financing expenses (recorded according to the amount in the amortization table)

3. Installment loan contract

The loan method is determined based on the purpose of your loan. Yes! Credit cards cannot be used for loans!

The loan methods are different depending on the purpose of your loan! You can learn more about the relevant loan knowledge on the official website of Yidai. You can also submit a loan application online to see if your conditions and qualifications match those of relevant institutions. Click the online application link:

The specific steps, application conditions, interest rates, application amounts, etc. of the loan are specific to each person. Or the situation of each enterprise is different. Generally, the specific loan interest rate is determined by a variety of factors, such as the applicant's personal or enterprise qualifications, the collateral and other guarantees, the nature of the different applicants and the loan, etc. The types of application materials required are different. Common personal information such as: identity certificate, work certificate, residence certificate, etc.; corporate application materials such as: business license, financial statements, loan cards, etc.; mortgage loans such as real estate, cars, etc. Proof of financial resources; credit loan such as income certificate, bank card statement, etc.

When applying for a loan, you must provide: proof of marital status, personal or family income and property status and other documents proving repayment ability; the purpose of the loan. Relevant agreements and contracts; guarantee materials, ownership certificates and lists of collateral or pledges, and mortgage (pledge) valuation reports issued by the bank's recognized appraisal department. In addition to written materials, there must be a mortgage method. More, it can be a mortgage of movable or real estate, a pledge of time deposit certificates, a pledge of securities, a pledge of highly liquid movables, guaranteed by a qualified guarantor. Small-amount guaranteed loans for entrepreneurship are policy-based and are issued by designated banks!

It is not easy to type. If you are satisfied, please accept it.

4. Installment Loan Agreement

In a society that is developing at an accelerating pace, agreements are used in many places. , the agreement plays a positive role in the performance of the affairs of both parties. How to write the agreement appropriately? Below is the installment loan agreement that I have collected, hoping to help everyone.

Installment loan agreement 1. Person (Party A): Borrower (Party B):;

In view of the fact that Party B cannot repay Party A's loan in one go. After friendly negotiation, Party A and Party B have reached the following agreement:

Article 1. Party A and Party B hereby confirm that: as of the date of signing this agreement, Party B still owes Party A RMB (in capital letters): (Note Note: There is an IOU).

Article 2. Party A agrees to Party B to repay the loan or arrears in installments. Please refer to the appendix for the specific repayment plan.

Article 3. Party A shall properly keep Party B’s IOU and this Agreement, and return them to Party B together with Party B after Party B pays off all the money when due.

Article 4: Party B shall take the initiative to repay the loan according to the time agreed in this agreement.

Article 5. Liability for breach of contract

If Party B cannot pay its due debts on time, Party A has the right to immediately demand repayment of all debts

and pay the loan amount calculation of liquidated damages.

Article 7, Supplementary Agreement:

Signature of Party A: Signature of Party B:

Certificate number: Certificate number: Date: Date:

< p> Supplementary Provisions

The details of the repayment plan are as follows:

(1) Party A and Party B agree that the first repayment date is: year, month and day, and the repayment amount is: RMB (in capital letters) .

(2) Party A and Party B agree that the second repayment date is: year, month and day, and the repayment amount is: RMB (in capital letters)

(3) Party A and B agree that the third repayment date is: The repayment date is: year, month and day, and the repayment amount is: RMB (in capital letters).

Party A’s signature: Party B’s signature:

Installment Loan Agreement 2 Party A: _______________ (borrower)

Gender: _______________

ID number: _______________

Address: _______________

Telephone: _______________

Party B: _______________ (Lender)

Gender: _______________

ID number:_______________

Address:_______________

Telephone:_______________

Due to its own production or business needs, Party A shall provide Party B with Apply for a loan and use your own vehicle as collateral. Upon consensus between the parties, Party B agrees to lend and sign the contents of this contract.

The first loan matter

The first loan content

Total loan amount: RMB _____ yuan, capitalized_______________

Loan period: From the date of the year to the date of the year, counting _____ days. Monthly interest_______

Article 2 Payment and repayment of loan

1. Payment of loan: After the loan and mortgage procedures are completed, Party B will pay the loan amount to Party A in one lump sum Or transfer it to Party A’s account.

2. Repayment of the loan: The principal and interest of this loan shall be repaid in one lump sum on the maturity date.

3. Party A can repay the loan in advance, but must notify Party B 15 days in advance.

Article 3 Liability for breach of contract

1. If Party A cannot repay the loan in full when due, an additional charge per day will be charged for the unpaid portion from the overdue date. If the loan is overdue for more than ten days, Party A will be deemed to have completely breached the contract. Party B can terminate this loan contract and require Party A to pay 20% of the total loan amount in the contract as liquidated damages;

Second mortgage matters

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Article 4 Party A confirms that the mortgaged assets are his own, that all procedures are legal and valid, and that the assets do not have any economic or illegal liability before being mortgaged, otherwise Party A will bear all legal liabilities.

Article 5 Collateral Matters

1. Car type and brand: _______________

2. Vehicle frame number: _______________

3 .Engine No.:_______________

Article 6 Custody of Collateral

1. The collateral is kept by Party B. During the mortgage period, Party B can use the vehicle free of charge and ensure that there is no traffic on the vehicle. Accidents and violations. If the vehicle is lost due to the vehicle itself, natural damage, force majeure and other factors, Party B will be exempted from liability for compensation.

2. Party A must submit the keys related to the mortgaged vehicle, motor vehicle registration certificate, driving license, vehicle purchase invoice, purchase tax, road maintenance fees, insurance documents, original household register and copy of ID card. Party B or the intermediary shall keep it.

Article 7 Disposal of Mortgage

1. During the mortgage period, any disposal made by Party A to the mortgaged vehicle is invalid.

2. If Party A cannot repay the loan on time, Party B can sell the collateral to recover losses after the overdue days. Party A also signs the "Overdue Sale Power of Attorney".

Article 8 During the mortgage period, if one of the following circumstances occurs, Party B has the right to dispose of the mortgaged property in advance

1. The borrower is declared missing, and its property custodian refuses to perform the obligation contract;

2. The borrower loses capacity for civil conduct and the guardian refuses to perform this contract;

3. The borrower dies or is declared dead and the legal heirs of his property refuse to perform this contract Contractual;

4. The borrower fails to perform its repayment obligations or has other behaviors that lack sincerity in repaying the debt;

5. The borrower is involved or will be involved in major litigation or arbitration procedures and other laws, which are sufficient to affect its ability to repay debts;

6. The borrower changes his domicile. Correspondence address. If the contact number and other matters are not notified in time within 5 days.

Item 3 Other Provisions

Article 9 Bearing of Expenses

1. If Party A cannot repay the loan on time, it can be done with the consent of Party B Exhibition period.

2. All costs related to mortgage and borrowing shall be borne by Party A.

Article 10 Conditions for the Effectiveness of this Contract

This contract shall take effect from the date of signature by the parties.

This contract is made in two copies. Party A and Party B each hold one copy, and the rest shall be filed with the relevant departments.

Party A: _______________ Party B: _______________ Witness: _______________

Contract Signing Place: _______________

Installment Loan Agreement 3 Lender (hereinafter referred to as : "Party A"):

Resident ID number:

Contact address: _______

Contact number:

Borrower ( (hereinafter referred to as: "Party B"): _______

Resident ID number:

Contact address: _______

Contact number:

In view of :

1. Party B encounters difficulties in production and life (or business) and needs to apply for a loan from Party A to make up for the temporary shortage;

2. Party A agrees to borrow a certain amount from Party B funds to help them tide over the difficulties.

In accordance with the provisions of the "People's Republic of China and the Civil Code", the "People's Republic of China and the Civil Code" and other relevant laws and regulations, Party A and Party B, based on the principles of equality, mutual benefit, fairness and voluntariness, have After consensus, the following agreement (hereinafter referred to as "this Agreement") was reached on the specific matters of the loan, so that both parties can abide by it.

Article 1 Purpose of Loan: Party B promises that the items borrowed from Party A will be used for _____________.

Article 2 Amount of loan: Party B borrows from Party A RMB (upper case) _______________ yuan, (lower case) _______ yuan. Party A shall deliver the loan amount to Party B within _______ days after signing this agreement, and Party B shall issue a handwritten receipt and sign it.

Article 3 Borrowing interest: The interest rate shall be _______ in (year/month/day), and the interest will be calculated in _______ yuan (calculation method: the loan principal has agreed interest rate and the borrowing time). Party B shall Interest will be paid to Party A once on each repayment date from the date of borrowing.

Article 4 The loan period: starting from ___ month ___ day of ___ year and ending on ___ month ____ day ___ year.

Before the expiration of the loan period, Party B may choose to repay the loan amount and loan interest in advance by (cash/remittance). Party A’s account is as follows:

Account holder:

Account opening bank:

Account number:

Article 5 Repayment method: This time The principal and interest of the loan will be repaid in three installments. Party B can choose to repay by (cash/remittance). Party A's account is shown above. Corresponding interest should be paid for each repayment.

The first repayment time is _____________year______month______day. The principal (uppercase) is _____________ yuan, (lowercase)_______yuan, and the interest (uppercase)_______yuan. , (lower case) _______ yuan;

The second repayment time is _____________ year ______ month ______ The principal will be returned (upper case) ___________y yuan, (lower case) _______ yuan , interest (uppercase) _______ yuan, (lowercase) _______ yuan;

The third repayment time is _____________ year______month______ day return of principal (uppercase)_____________ Yuan, (lower case) _______ yuan, interest (upper case) _______________ yuan, (lower case) _______ yuan;

Article 6 Party A has the right to supervise Party B’s use of the borrowed items and understand Party B’s use of the borrowed items. Party B shall truthfully provide authentic and relevant information regarding its solvency and other conditions. If Party B fails to use the loan in accordance with the provisions of this Agreement, Party A has the right to withdraw part or all of the loan, which will be deemed as a breach of contract by Party B, and Party B shall bear the liability for breach of contract under this Agreement.

Article 7 Party B’s Guarantees and Statements

1. Party B promises to use the loan for the purposes specified in this agreement, not to misappropriate it for other purposes, and not to use the loan to carry out illegal activities.

2. Party B must repay the loan and interest within the time limit stipulated in this agreement.

Article 8 Cancellation and Termination of the Agreement

1. Party A and Party B can terminate this agreement by consensus.

2. If Party B has any of the following circumstances, Party A may unconditionally and unilaterally terminate this agreement:

(1) The purpose of this agreement cannot be achieved due to force majeure;

(2) Before the expiration of this agreement, Party B expressly stated or showed by its own behavior that it would not perform its obligation to repay the loan and corresponding interest;

(3) Party B failed to repay the principal and interest within the agreed time , has not been performed within 7 days after being reminded;

(4) Party B disappears without reason or cannot be contacted for more than 15 days;

(5) Party B fails to cooperate with Party A’s supervision and provide The information provided is false;

(6) Party B does not use the loan for the agreed purpose and does not make corrections despite being dissuaded by Party A;

(7) The provisions of this Agreement and the law Other circumstances specified.

3. This agreement will be terminated if one of the following circumstances occurs.

(1) Party B has fully repaid the loan and interest;

(2) Party A unilaterally waives Party B’s repayment obligations in writing;

(3) Legal, Other circumstances specified by regulations.

Article 9 Liability for breach of contract

1. If Party B overdues the interest repayment or the loan and interest, for each overdue day, Party B shall bear liquidated damages at the rate of ____ one thousandth of the overdue repayment amount. . If the interest cannot be paid on time or in full for a total of 7 days overdue, Party A has the right to unilaterally terminate this agreement and recover the entire loan amount and interest in advance in addition to requiring Party B to bear liquidated damages; or Party A, in addition to requiring Party B to bear liquidated damages In addition, it has the right to require Party B to continue to perform this Agreement.

2. If Party B uses the loan illegally for the agreed purpose, Party B will be liable for liquidated damages at _____% of the loan amount every day from the date of breach of contract. If it still fails to make corrections within 15 days after being dissuaded by Party A, Party A, in addition to requiring Party B to bear liquidated damages, has the right to unilaterally terminate this agreement and recover the entire loan amount and interest in advance.

3. If Party B violates this Agreement and Party A suffers losses exceeding the liquidated damages, Party B shall also pay the excess losses.

Article 10 Other Matters

1. Matters not covered in this agreement shall be negotiated separately by Party A and Party B.

2. If any dispute arises between Party A and Party B during the performance of this agreement, it shall be resolved through friendly negotiation based on the principle of friendship. If the negotiation fails, the two parties agree that it will be irrevocably governed by the people of Shushan District, Hefei City.

3. This agreement shall take effect from the date when Party A and Party B sign and Party A pays the loan amount to Party B.

4. When signing this agreement, Party A and Party B clearly understand their respective rights, obligations, and responsibilities, and are willing to strictly implement them in accordance with the provisions of this agreement. If one party violates this Agreement, the other party has the right to pursue the other party's liability for breach of contract in accordance with this Agreement.

5. This agreement is made in two copies. Party A and Party B each hold one copy, which has the same legal effect.

Party A (Signature): _______ Party B (Signature):

_________year_______month_______day

Installment Loan Agreement 4 Lender: ____________________ (hereinafter referred to as Party A)

Borrower: __________________ (hereinafter referred to as Party B)

Today, Party A and Party B have reached the following agreement regarding the installment repayment of the loan: < /p>

Article 1 The subject matter of this contract is a loan, the amount of which is: RMB ______________ Yuan.

Article 2 Party B will repay the loan amount to Party A in installments. The repayment date will be from _______ year _____ month ______ to _______ year ______ month _____ _The day ends. Party A shall pay Party A in RMB before ___ day of each month: ____________ yuan.

Article 3 When signing this contract, Party A will hand over the loan amount: RMB to Party B and agree to Party B’s use of the funds.

Article 4 Party B shall repay the loan in cash every month, and Party A shall provide the corresponding receipt. Party B shall properly protect the receipt. The receipt serves as proof of Party B's performance of the contract.

Article 5 When Party B fails to pay repayments for two consecutive times, and the amount of unpaid dues reaches one-fifth of the total loan, Party A may request Party B to pay due and undue dues. Borrow all or cancel the contract. If Party A terminates the contract due to this clause, Party A may request Party B to pay a one-time penalty of 5% of the total loan amount.

Article 6 Resolution of Contract Disputes: Any dispute arising during the performance of this contract shall be resolved through negotiation between the parties; if negotiation or mediation fails, the dispute shall be submitted to the people in accordance with the law.

This contract is made in two copies, with each party holding one copy.

Lender (Party A): _______________ Borrower (Party B): _______________year______month_______day_______year______month_______day

< p> Installment Loan Agreement 5 Party A: __________

Party B: __________

ID number: __________

Contact number: __________

Emergency contact number: __________

Address: __________

Postal code: __________

Party B purchases Building ______ of __________ Garden developed by Party A____ A commercial housing sales contract was signed for the house (shop) in unit________. The payment method chosen by Party B is installment payment within _____ months. The total installment price is (RMB) ￥______________ Yuan. The first installment has been paid ￥______________ Yuan, and the remaining payment for the house is ￥______________ Yuan (in capital letters). _______________________________________________________.

In order to perform the contract, Party A and Party B reached the following agreement through friendly negotiation:

1. Party B promises to complete the contract within ________ months from the date of signing this agreement. After all the above arrears are paid off, Party A requires Party B to make equal repayments every 3 months during the loan period. Party B’s specific repayment date and amount are as follows:

____________________________________________________________________________________________.

2. When Party B repays each debt in accordance with Article 1 of this Agreement, it will be interest-free if it can repay it on time and in full; if any debt is overdue or fails to be repaid, If the loan is repaid in full, Party B agrees to calculate overdue interest based on the principal amount of the overdue repayment and the actual overdue time from the overdue date based on the daily interest rate of 0.5%. Party B shall pay the corresponding interest to Party A in one lump sum when repaying the principal of the debt.

3. If Party B fails to pay off the debt 30 days overdue, Party A can directly stop the handover of the above-mentioned property purchased by Party B and the application for real estate certificate, which will not be regarded as a breach of contract by Party A. At the same time, Party A has full authority to handle the property rights of the _________ unit (shop) in Building ______ of the _______________ Garden purchased by Party B. Party B shall not raise any objection or revocation.

4. If there is any inconsistency between the commercial housing sales contract signed by both parties and this agreement, the provisions of this agreement shall prevail.

5. This agreement will terminate automatically on the day Party B pays off all the above-mentioned arrears.

6. This agreement is made in duplicate, with Party A and Party B each holding one copy, both of which have the same legal effect.

Party A (signature and seal): __________

Party B (signature): __________

Date: __________

The guarantor is responsible for Party B’s debts Joint Guarantee Liability

Signature: __________

Installment Loan Agreement 6 Party A:

Party B:_______ID Number:_______

Party B applies for a loan from Party A. Party A and Party B reach the following agreement on the loan matter on the basis of equality, voluntariness and consensus through consultation, and both parties agree to abide by it.

1. Loan amount: Party A lends Party B hundreds of _______ yuan

One hundred _______ yuan (lowercase ￥_______ yuan), on _______ Delivered to Party B on _______ month _______ year.

2. Borrowing interest: _______ zero interest.

3. Repayment method and loan period: Due to personal reasons of Party B, Party B cannot repay the loan in one go. The two parties agreed to repay the principal in natural monthly installments. That is, starting from the month after Party B receives the loan item from Party A, Party B will repay the agreed repayment amount to Party A before the 8th of each month, in *** installments, of which

each installment will be repaid _______ yuan, The first repayment is _______ yuan, and the total is _______ yuan.

4. Liability for breach of contract: _______ If Party B fails to repay the loan on time each month and is overdue within 3 days, Party B shall pay Party A a liquidated damages of 3% of the overdue repayment on a daily basis. If it exceeds 3 days, Party A has the right to terminate this agreement, and Party B shall repay the entire amount owed in one go.

5. Dispute resolution method: Both parties shall resolve the dispute through negotiation. If the dispute cannot be resolved, they agree to submit it to the people of the place where this agreement is signed for adjudication.

6. This agreement shall take effect from the date of signature by both parties.

This contract is made in two copies, with each party holding one copy. The text of the agreement has the same legal effect.

Party A (signature and seal): _______ Party B (signature and seal): _______

Signature date: _________year_______month_______day

Installment Loan Agreement 7 Party A:

Party B:

In view of the fact that Party B cannot repay the debt in one go. After friendly negotiation and on the basis of consensus, Party A and Party B have reached the following repayment agreement:

Article 1 Party A and Party B hereby confirm that as of the date of signing this agreement, Party B still owes Party A RMB: (please indicate: there is an IOU)

Article 2 Party A agrees to Party B’s installment payment and repayment plan

①Party A and B agree on the first repayment The date is: Lunar calendar year, month and day, and the repayment amount is: RMB

② Party A and Party B agree that the second repayment date is: Lunar calendar year, month and day, and the repayment amount is: RMB

③ Party A and Party B agree that the third repayment date is: Lunar calendar year, month and day, and the repayment amount is: RMB

④ Party A and B agree that the fourth repayment date is: Lunar calendar year, month and day, and the repayment amount is: : RMB

⑤Party A and B agree that the fifth repayment date is: Lunar calendar year, month and day, and the repayment amount is: RMB

Article 3 Party A guarantees

< p> ① The IOU and this Agreement submitted by Party B shall be properly kept and shall not be lost or damaged. After Party B repays all the amounts stipulated in this agreement when due, the IOU document and this agreement will be handed over to Party B in its entirety.

② Do not demand payment from Party B before the repayment date agreed upon by Party A and Party B.

Article 4 Party B guarantees

① Actively repay Party A’s debts within the time specified in this agreement.

② Replace the IOU and deliver it to Party A on the date of signing this agreement.

Article 5 This agreement will take effect after being signed by Party A and Party B.

Article 6 This agreement is made in duplicate, with Party A and Party B each holding one copy.

Party A: Party B:

Signing date: Signing date:

Installment Loan Agreement 8 Party A:

Party B: < /p>

In view of the fact that Party B cannot repay the debt in one go.

After friendly negotiation and on the basis of consensus, Party A and Party B have reached the following repayment agreement:

Article 1 Party A and Party B hereby confirm that as of the date of signing this agreement, Party B still owes Party A RMB: RMB __ (please note: there is an IOU)

Article 2 Party A agrees that Party B will repay the debt and the repayment plan in _12_ installments

1. Party A and Party B agree to the following terms: The first repayment date is: December 1, 20xx on the lunar calendar. The repayment amount is (RMB): RMB

2. Party A and Party B agree that the second repayment date is: January 1, 20xx on the lunar calendar. The repayment amount is (RMB): ￥ yuan

3. Party A and Party B agree that the third repayment date is: February 1, 20xx on the lunar calendar. The repayment amount is (RMB): ￥ yuan

< p> 4. Party A and Party B agree that the fourth repayment date is: March 1, 20xx in the lunar calendar. The repayment amount is (RMB): RMB

5. Party A and B agree that the fifth repayment date is : The repayment amount on April 1, 20xx on the lunar calendar is (RMB): ￥ yuan

6. Party A and Party B agree that the sixth repayment date is: The repayment amount on May 1, 20xx on the lunar calendar is (RMB) ：￥yuan

7. Party A and Party B agree that the seventh repayment date is: June 1, 20xx on the lunar calendar. The repayment amount is (RMB): ￥yuan

8. Party A and Party B It is agreed that the eighth repayment date is: July 1, 20xx in the lunar calendar. The repayment amount is (RMB): ￥ yuan

9. Party A and Party B agree that the ninth repayment date is: August 20xx in the lunar calendar. The amount of repayment per day is (RMB): RMB

10. Party A and Party B agree on the tenth repayment date