1. How to write a personal loan contract

The personal loan contract template will be introduced in detail below: 1. The personal loan contract first needs to write the basic information of the borrower and the lender. . 2. Next, you need to write down the main contents of the contract, including: loan amount, loan interest, loan period, repayment date, etc. 3. Finally, both parties need to sign and seal. Personal loan contract template 1 Name of Party A (lender): Mailing address: Contact number: Name of Party B (borrower): Mailing address: _______________________________ Bank and account number: Contact number: Party C (guarantor) 1: Name: Identity Certificate number: Mailing address: Contact number: 2: Name: ID number: Mailing address: Contact number: 3: Name: ID number: Mailing address: Contact number: In view of the fact that: Party B applies for a loan from Party A for business needs. For borrowing funds from small deposits, both parties shall negotiate. Article 1. Signing of the contract shall be based on Article 2. Parties. Article 3. This contract shall include loans, guarantees, etc. Article 4 Purpose of borrowing: Party B borrows money from Party A for the purpose. Article 5 The loan amount shall be borrowed by Party B from Party A in RMB (in capital letters) one hundred thousand thousand yuan (￥). Article 6 The loan period as stipulated in this contract is (in capital letters) months, that is, from the day of year, month, to the day of year, month. . Article 7 Loan Interest Rate 1. As agreed by all parties in this contract, the monthly loan interest rate is %. 2. Interest payment: The interest in this loan contract shall be paid quarterly, and Party B shall pay it to Party A on time at the end of every three months. Article 8 Repayment 1. Party B can repay all or part of the loan interest at one time during the term of this contract; 2. When this contract expires, Party B must repay the entire principal and amount of the loan under this contract on time and in cash at one time. Corresponding interest. Article 9 Loan Guarantee 1. Guarantee method: During the guarantee period, Party C is willing to assume joint and several liability for Party B’s debts. If Party B fails to repay the principal and interest of the loan or related expenses on time in accordance with the provisions of this contract, regardless of Party A’s claims under this contract Whether there are other guarantees, Party A has the right to directly require Party C to assume guarantee liability within the scope of its guarantee. 2. Scope of guarantee: The scope of guarantee includes Party B’s loan principal, interest (including compound interest), liquidated damages and compensation payable by Party B, and related expenses incurred by Party A to realize its creditor’s rights (including litigation fees and attorney fees). wait). 3. Guarantee period: The guarantee period is from the effective date of this contract until Party A recovers all relevant amounts in this loan contract. 4. Except for the following circumstances, if Party A and Party B agree to change the contract, Party C’s consent is not required: (1) Extend the loan period; (2) Increase the loan amount. Article 10 Liability for breach of contract 1. If Party B does not use the loan for the purpose specified in the contract, Party A has the right to recover part or all of the loan, and charge interest at a monthly % rate on the part used in breach of contract. 2. If Party B fails to repay the loan overdue, Party A has the right to recover the loan and charge interest at a monthly % rate. 3. When Party B fails to pay the interest on time, Party A has the right to terminate this contract in advance and require Party B to return the loan principal of this contract in advance, the corresponding interest and liquidated damages of % interest rate per day from the overdue date. Article 11 Other agreed matters 1. Any disputes arising from the execution of this contract shall be resolved by negotiation between the parties. If negotiation fails, the matter shall be submitted to the people where Party A is located for ruling. During negotiations or litigation, the terms of this contract that are not covered by the contract still need to be performed. 2. Party A should be notified within ten days of any major changes to Party B and Party C (such as shareholders, addresses, communication methods, operating conditions, etc.). 3. Party B agrees that after Party C pays off all debts under this contract on behalf of Party C, the relevant claims will be transferred to Party C. Party A can assist in handling relevant procedures and notify Party B. Article 12 The contract becomes effective: This contract will come into effect after it is signed and sealed by Party A, Party B, and Party C, and Party A transfers the loan amount agreed in this contract to the account number designated by Party B. Article 13 This contract is made in four copies, one each for A, B, C and the witnessing authority. Signature (seal) of Party A: Authorized agent (signature): Party B (signature): Legal representative or authorized agent (signature): Party C (signature): Legal representative or authorized agent (signature): Witnessing authority (official seal): Witnessing person (signature): Signing date: Year, month, day Personal loan contract template 2 Borrower: Mortgagor: Guarantor: Lender: Loan type: The parties signing this contract act on the basis of equality, authenticity and voluntariness In principle, in accordance with the "Contract Law of the People's Republic of China" and other relevant laws and regulations, this contract is specially formulated to show its commitment. Special reminder: Before signing this contract, the borrower and the guarantor must carefully read all the terms of this contract, especially the "Special Tips" and the boldfaced parts. If there is anything unclear, please consult in time and the lender will definitely answer it actively. The borrower and the guarantor have the right to agree to this contract and choose other contracts, but after signing this contract, they are deemed to have agreed to all the terms of this contract. Article 1 Types of Loans. After reviewing the loan application submitted by the borrower, the lender agrees to grant the loan to the borrower. Article 2 Purpose of Loan: The purpose of this loan is:. The borrower may not change the purpose of the loan without the written consent of the lender. Article 3 Loan amount. The loan amount under this contract is RMB (in capital letters). Yuan. Article 4 Loan term. The loan term under this contract is _______ months, starting from the date recorded on the loan IOU (Attachment 2), that is, from ___month___, year _____ to ___month_, year _____ Ends on __. Article 5 Loan interest rate.

The loan interest rate when this contract is signed is annual interest rate %. If the legal interest rate is adjusted or the interest calculation method is changed during the validity period of this contract, and the loan period is within 1 year (including 1 year), the original interest rate will be applied and interest will not be calculated in installments. ; If the loan term is more than 1 year, starting from January 1 of the following year, the loan interest rate will be calculated based on the adjusted applicable interest rate. If the lender adjusts the loan interest rate under this contract in accordance with the provisions of the People's Bank of China during the validity period of this contract, the lender will announce the adjustment of the legal loan interest rate at the business location and will not issue a separate written notice to the borrower. Article 6 Calculation method. Interest is calculated from the borrower's actual withdrawal date, based on the actual withdrawal amount and the number of days the loan is used, and the calculation base is 360 days a year. Article 7 If the above agreement is inconsistent with the loan IOU, the loan IOU shall prevail, and the loan IOU shall be an integral part of this contract. Article 8 Prerequisites for Withdrawal. Before withdrawing money, the borrower should meet the following prerequisites: 8.1 The borrower has opened an account for withdrawal, interest payment and repayment as required by the lender. 8.2 The guarantee terms under this contract have taken effect. 8.3 During the loan application process, the borrower has provided the lender with all documents and information required by the lender and these documents and information continue to remain valid. Article 9 Loan Guarantees. All loans under this contract are guaranteed by (mortgage/guarantee), with the mortgagor and the guarantor (depending on the circumstances, collectively referred to as the "guarantor" below). For specific agreements, see the corresponding guarantee clauses of this contract. Article 10 The borrower can choose the following repayment methods to repay the principal and interest of the loan within the loan term. The loan under this contract is repaid in (monthly/quarterly)*** installments. For the specific repayment amount and repayment date, please refer to the "Repayment Plan" (Appendix 4) provided by the lending bank. 1. Interest will be paid off with the principal 2. Equal principal repayment and interest 3. Equal principal repayment 4. Increasing/decreasing repayment method 5. Interest repayment on schedule and principal repayment in one lump sum 6. Monthly interest repayment in the first 3 months and equal monthly repayments Repayment 7. Repay the interest monthly in the first 3 months, then repay the principal in equal installments every month. 8. Repay the interest monthly in the first 5 months, then repay the principal in equal installments every month. 9. Repay the interest monthly in the first 5 months, and then equal the principal every month. Repayment Article 11 The borrower may repay all or part of the outstanding loan in advance, but shall notify the lender in advance according to the following requirements and obtain the lender's written consent. Borrowers can only prepay their loans once per year. 1 The borrower must submit a written application to the lender 5 working days before the scheduled early repayment date, and the application is irrevocable once issued. 2. If the borrower repays part of the loan in advance, the amount of each repayment shall in principle not be less than RMB (uppercase) yuan, and the loan interest already calculated before the early repayment will not be adjusted. 3. If the repayment period is changed due to early repayment, the re-agreed repayment period shall not be longer than the original period, and the principal and interest of the loan will still be calculated and collected in accordance with the interest rate and repayment method stipulated in the loan note. 4. If part of the loan is repaid in advance, the lender and the borrower shall re-agree on the repayment plan for the remaining unpaid loan, and the borrower shall repay the remaining balance according to the repayment date and repayment amount indicated in the repayment plan provided by the lender. Loan principal and interest. If the borrower repays all outstanding loans in advance, all interest should be settled. Article 12 The borrower declares to the lender as follows: 1. The borrower has full qualifications and rights to sign this contract and perform its obligations under this contract. 2. All documents, information and vouchers provided by the borrower to the lender for the loan under this contract are accurate, authentic, complete and valid. 3. The borrower has not concealed any events that have occurred or are about to occur that may cause the lender to disagree with the granting of loans under this contract. 4. According to the requirements of the lender, truthfully provide the information that should be submitted during the loan review process, consciously accept the lender’s investigation and supervision of the use of the loan under this contract, and provide sufficient assistance and cooperation; 5. Repay the loan in accordance with the provisions of this contract. The principal and interest of the loan under the contract; 6. When the borrower’s personal circumstances such as occupation, income, address, mailing address, contact number, etc. change, the borrower shall immediately notify the lender of such changes; 7. It shall not be related to any third party. The reasons of the three parties affect the performance of their repayment obligations under this contract. Article 13 Any of the following events shall constitute a breach of contract under this contract: 1. The borrower fails to perform its repayment obligations on time or in full for three consecutive periods or for a cumulative six periods; 2. The statement made by the borrower in this contract is Proved to be incorrect, untrue or misleading; 3 The borrower failed to fulfill or comply with its commitments made in this contract or breached its other obligations under this contract; 4 The borrower failed to repay the loan Death, disappearance or incapacity within the period, and there is no legal heir or legatee to continue to perform the obligations under this contract, or his legal heir or legatee refuses to perform this contract; Other circumstances that have a serious adverse impact on its obligations under this contract. Article 14 Once any default event mentioned in the previous article occurs, the lender has the right to take any one or more of the following measures: 1. Require the borrower and/or guarantor to correct the default within a time limit; 2. Announce that all loans that have been lent will be immediately When due, the borrower is required to immediately repay all loan principal, interest and other payables; 3. Request to add or replace the guarantor, mortgage, and pledge; 4. Announce the exercise or realization of the security rights under this contract.

Name and address of the mortgage: Building area: Unit price Borrower: Mortgagor: Guarantor: Lender: Year, month and day: Personal loan contract template 3 Name of Party A: Residence: _ Name of Party B: Residence: _______________________________ In view of: Party A’s business needs , apply for a loan from Party B as a small deposit, and both parties agree through negotiation that Party B will provide the loan agreed upon by both parties to Party A. To this end, both parties have specifically entered into this contract: 1. Total loan amount: RMB_20,000 yuan (RMB_20_0 yuan). 2. Loan purpose: _Small deposit borrowing. 3. Loan term: The loan term is half a year, from January 11, 20_ to July 11, 20_. 4. Loan interest rate: The loan interest rate and interest calculation method are based on 2% monthly interest. 5. Loan withdrawal: This loan is a one-time withdrawal, and this agreement will take effect when the withdrawal is made. 6. Loan repayment: Party A guarantees to pay Party B the monthly interest on schedule within the loan period stipulated in this agreement, that is, from February to July 11, 20_, and to repay Party B in a lump sum before July 15, 20_ All principal. 8. This agreement will continue to be effective if Party B agrees to Party A’s deferment of repayment. 9. This contract is made in two copies, with each party holding one copy. Signature of Party A: Signature of Party B: Year, month, day, year, month, day Bank account number: The above is what the editor shared today, I hope it can help everyone.

2. What is the difference between a personal housing loan contract and a loan contract?

The house loan contract is to use the house as a mortgage, and the loan is the mortgage. There is nothing at all

3. How to write a private loan contract?

In fact, a private loan contract can be simpler, mainly stating the lender, borrower, loan amount, agreed interest or No interest, repayment date, no guarantee or guarantee and its specific content is enough. Of course, it must have the signatures and dates of both parties. A simple loan contract is enough

4. Personal Loan Contract How to write it so that it is legally valid

According to general experience, an IOU is legal and valid as long as it includes the lender, borrower, loan amount, loan time and other main contents. A standard IOU should contain the following contents:

(1) Clearly state the full legal names of the borrower and lender.

(2) Write down the loan amount clearly, including the amount in uppercase and lowercase letters.

(3) Write down the loan time period clearly, including the start, month and end dates of the loan and the clear loan period.

(4) Write clearly the interest on the loan, there should be a clear annual interest rate or monthly interest rate, and the total amount of loan interest that should be paid in the end.

(5) The year, month, day, time and method of payment for the repayment of the principal and interest of the loan should be clearly stated.

(6) There should be a signature, seal, fingerprint or handwriting of the borrower.

1. Things to note in a personal loan contract are:

1. Attach the borrower and the borrower’s ID number to the IOU to avoid unnecessary mistakes;

2. When the borrower signs, the lender must see his signature with his own eyes to prevent the borrower from signing with others and ultimately refusing to recognize the IOU;

3. The writer of the IOU must be the borrower, and Not the lender, otherwise the borrower will argue that the content is not its original text;

4. Try to avoid using language that is likely to cause disagreement.

2. What is the process of signing a loan contract?

1. The borrower and the lender need to negotiate on the loan matter; after both parties agree, the loan contract document shall be drawn up with reference to the professional contract text format of the loan contract; the borrower shall Fill out the loan application form; the lender pays the money and the borrower gets the money; at the same time, the lender gets the IOU.

2. The loan contract shall be in written form, unless otherwise agreed on the loan between natural persons. The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method. When entering into a loan contract, the borrower shall provide the true situation of the business activities and financial status related to the loan as required by the lender.

Legal basis

"People's Republic of China and Civil Code"

Article 667: A loan contract is a loan from the borrower to the lender , a contract to return the borrowed money and pay interest when due.

Article 668: The loan contract shall be in written form, except where there is a different agreement on the loan between natural persons. The content of a loan contract generally includes terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

Article 669: When entering into a loan contract, the borrower shall provide the true situation of business activities and financial status related to the loan as required by the lender.

Article 679: A loan contract between natural persons is established when the lender provides the loan.