Why is commercial lending a two-way contract, while private lending is a one-way contract? Hello, commercial lending is a practical contract. The agreed contract takes effect when the two parties reach an agreement, the lender performs the loan obligation and the lender performs the repayment obligation, so it belongs to a two-party contract. In private lending, after the lender delivers the loan, the contract borrower should bear the repayment obligation, and the lender does not abide by the contract!

What is a private loan contract and what are its causes? 1. Private lending refers to the act of financing between natural persons, legal persons and other organizations, rather than between financial institutions engaged in loan business and their branches established with the approval of financial supervision departments.

2, the reasons for the private lending contract:

① Lack of social credit system

② Incorrect concept of getting rich leads to the flood of speculative wealth.

(3) People lack risk awareness and legal awareness, which leads to the incomplete guarantee procedures of loan relationship.

④ The private lending market lacks management and relevant laws and regulations are not perfect.

Do private lending need to sign a written contract? Do private lending need to sign a written contract? This can be based on the wishes of both parties, including loan amount, loan term, loan interest, overdue interest, loan purpose and so on; However, private lending by both parties must have basic IOUs, and it is best to transfer money through bank accounts opened by both parties.

How to write a private loan contract? Do you have money with you? Or did you just put it there?

How to write the reason, date, when to repay the loan, interest, mortgage, ID number, telephone number, address signature, fingerprint, basic.

How to write private lending, it is better to ask a lawyer for help? I can't say a word or two about online free consultation.

Demonstration Lender of Private Lending Contract:

Borrower:

Guarantor:

In order to carry out production (or business activities), the borrower applies for a loan from the lender and employs him as a guarantor. Upon examination and approval of the Lender, the three parties (or both parties) reach an agreement through consultation, and hereby enter into this Contract for common compliance.

Article 1 Types of loans

Article 2 Borrowing money

Article 3 The loan amount is RMB (in words) only.

Article 4 The loan interest rate is 0.000%, and the interest depends on the situation. In case of national interest rate adjustment, it shall be calculated according to the new regulations.

Article 5 Term of loan and repayment method

Article 6 Sources of repayment funds and repayment methods

1. Source of repayment funds:

2. Repayment method:

Article 7 Warranty clause

1. If the borrower takes it as collateral and cannot repay the lender's loan at maturity, the lender has the right to dispose of the collateral. If the borrower repays the loan in full at maturity, the collateral

2. The borrower must use the loan according to the purpose stipulated in the loan contract, and shall not use the loan for illegal activities.

The borrower must repay the principal and interest within the time limit stipulated in the contract.

4. The borrower has the obligation to accept the lender's inspection, supervise the use of the loan, and understand the borrower's plan implementation, business management, financial activities, material inventory, etc. The borrower shall provide relevant plans, statistics, financial and accounting statements and materials.

5. When a guarantor is needed, the guarantor has the right to recover from the lender after performing joint and several liabilities, and the lender has the obligation to repay the guarantor.

Article 8 Liability for breach of contract

First, the borrower's liability for breach of contract

1. If the borrower fails to use the loan according to the purpose stipulated in the contract, the lender has the right to recover part or all of the loan, and collect default interest for the part used in violation of the contract at the interest rate stipulated by the bank. If the circumstances are serious, the bank may stop issuing new loans within a certain period of time.

2. If the borrower fails to repay the loan within the time limit, the lender has the right to recover the loan and collect the penalty interest according to the regulations of the bank. If the borrower repays the loan in advance, it shall charge interest as required.

3. If the borrower uses the loan to cause losses and waste or uses the loan contract to engage in illegal activities, the lender shall recover the principal and interest of the loan, and the relevant units shall investigate the administrative and economic responsibilities of the person directly responsible. If the circumstances are serious, criminal responsibility shall be investigated by judicial organs.

Second, the lender's liability for breach of contract

1. If the lender fails to provide the loan on time, it shall pay the borrower liquidated damages according to the default amount and the number of days of delay. The calculation of the amount of liquidated damages shall be the same as that of the borrower's penalty interest.

2, banks, credit cooperatives staff, due to dereliction of duty caused by loan losses or use of loan contracts for illegal activities, should be investigated for administrative and economic responsibility. If the circumstances are serious, criminal responsibility shall be investigated by judicial organs.

Article 9 Settlement of Contract: Any dispute arising from the execution of this Contract shall be settled by both parties through consultation. If negotiation fails, both parties agree to arbitrate by the Arbitration Commission or submit the case to the people.

Article 10 Others

The Contract does not occur due to the circumstances that allow the modification or dissolution of the Contract as stipulated in the Loan Contract Regulations, and neither party may modify or dissolve the Contract without authorization. When one party changes or terminates this loan contract according to the requirements stipulated in the loan contract, it shall promptly notify the other parties in writing and reach a written agreement. After the modification or dissolution of the Contract, the Borrower shall still pay the occupied loan and the interest payable according to the provisions of the Contract.

If there are any matters not covered in this contract, both parties shall make supplementary provisions through consultation, which have the same effect as this contract.

The original of this Contract is in triplicate, with the Lender, the Borrower and the Guarantor each holding one copy; A copy of the contract shall be submitted to the relevant units (if notarization or certification is required, it shall be sent to the notarization or certification authority), and each unit shall keep one copy.

Lender: (signature)

Address:

Telephone number:

Borrower: (signature)

Address:

Telephone number:

Guarantor: (signature)

Address:

Telephone number:

It is not necessarily a private loan or a contract. Private lending belongs to the contractual relationship of civil law. If one party owes money, it is not a breach of contract obligations, and it needs to bear the liability for repayment breach.

The crime refers to the act of defrauding a large amount of public and private property by fictional facts or concealing the truth for the purpose of illegal possession. By fabricating facts and concealing the truth, the criminal subject makes the victim have the illusion and "voluntarily" hand over the property.

Therefore, Goushen.com reminds everyone that the biggest difference between private lending and private lending lies in whether the borrower uses deception. Most of them generally cheat people to invest in stocks instead of borrowing money. As long as you borrow money, you have the obligation to pay it back, but most of them are unable to pay it back. Some things don't want to pay back if you have money, but as long as it is a loan relationship, it doesn't constitute a crime.

It is best to borrow money from private lending contracts or get loans quickly, so that you can get interest safely and steadily.

The contract mode of private lending is not clear. Let's ask about quick loans.

2. What are the private lending places in Jingzhou? Individuals need money badly to open a shop.

The threshold of loan from Jingzhou Commercial Bank is not very high.

Three. The address or contact information of private lending companies is urgently needed, please help.

Hairun Jiahe investment consulting company

Company address: Rongji building, Huayuan road 168.

Contact: Mr. Yan

You can Baidu about "Jinan Hairun Jiahe Investment"

Fourth, I would like to ask the great gods, app is in urgent need of living expenses turnover?

Very convenient. Just download a repayment APP on your mobile phone, and then register and submit some personal information directly on your mobile phone. After passing the system audit, you can get a loan. The account arrived quickly. If it is difficult to pay off the loan at one time, you can also choose 3/6/ 12 installment repayment, with low interest and no worries. When you encounter difficulties, you will think of it for the first time.