Model loan agreement:

Lender's (Party A's) ID number

Borrower's (Party B's) ID number

On the basis of equal, voluntary and friendly negotiation, Party A and Party B have reached the following agreements:

1. Party B borrows RMB from Party A? Yuan Zheng.

2. what is the loan term? _ _ _ _ _ year, from _ _ _ _? Year? _ _ _ _ month _ _ _ _? From _ _ _ _ _? Year _ _ _ _? Month? _ _ _ _ _ days.

iii. when the loan term expires, party b promises to return all the loans immediately, otherwise, it is willing to bear all legal responsibilities.

iv. party a shall deliver the loan to party b within two days after signing this agreement.

5. if party a fails to pay the money to party b on time or party b fails to repay the money on time, the breaching party shall pay the observant party _ _ _ _ _ _ _ _ _ _ _ _ _ _.

this agreement is made in duplicate, and shall come into effect as of the date when both parties sign and affix their official seals (the official seals of the company), with each party holding one copy.

a? Fang:? Sign by handprint or seal

Party B: Sign by handprint or seal

Sign: Year month day

Extended information:

Legal and effectively protected private loan agreements should strictly abide by the relevant provisions of national laws and administrative regulations, and follow the principles of voluntary mutual assistance, good faith and fairness.

the lender's funds must be its own funds that belong to its legitimate income, and it is forbidden to absorb other people's funds and lend them to others. The interest rate of private individual lending shall be determined by both borrowers and lenders through consultation, but the interest rate negotiated by both parties shall not exceed the national regulations. Loans between citizens and enterprises can be considered valid as long as the intentions of both parties are true. ?

In practice, the loan contract shall be deemed invalid under any of the following circumstances:

(1) The enterprise illegally raises funds from employees in the name of loan.

(2) Enterprises illegally raise funds from the society in the name of borrowing.

(3) Enterprises issue loans to the public in the name of lending.

(4) other lending behaviors that violate laws and administrative regulations.

the interest of paid private loans shall be paid within the agreed payment period after the loan is used, and shall not be deducted in advance. If the interest is deducted from the principal in advance, the loan shall be returned according to the actual loan amount and the interest shall be calculated. According to the Supreme People's Court's judicial interpretation, the interest rate of loans between citizens may appropriately exceed the relevant national lending rate, but it shall not exceed four times.

References:

Private loan contract Baidu Encyclopedia.