英文版小額貸款合同范本

英文版小額貸款合同范本合同編號：__________partiesthisagreement(hereinafterreferredtoasthe"contract")isenteredintoasof__________(the"effectivedate"),andbetween:referencesto"thiscontract","herein","hereof"or"underthiscontract"unlessthecontextotherwiserequires,shallbeconstruedasreferencestothiscontractasawholeandnottoanyparticularclause,scheduleorparthereof.articles1.loanamountandterm1.1thelenderagreestolendtotheborrowerasumofmoneyuptotheaggregateprincipalamountof__________(the"loanamount")onthetermsandconditionssetforthinthiscontract.1.2theloanshallbeevidencedapromissorynote("promissorynote")intheformattachedheretoasschedule1.thelendershalldeliverthepromissorynotetotheborrowerupontheexecutionofthiscontract.2.interest2.1theborrowershallpayinterestontheoutstandingprincipalamountoftheloanfromtheeffectivedateuntilthematuritydateatanannualinterestrateof__________percentagepointsabovethelendingratesetthepeople'sbankofchinafromtimetotime(the"primelendingrate").3.repayment3.1theborrowershallrepaytheoutstandingprincipalamountoftheloan,togetherwithallaccruedandunpaidinterestthereon,inaccordancewiththerepaymentschedulesetforthinschedule2attachedhereto(the"repaymentschedule").3.2theborrowershallmakeallpaymentsunderthiscontractwiretransfertothelender'sdesignatedaccount,orsuchothermeansasthelendermayagreeinwriting.4.conditions4.1theobligationsofthelendertomaketheloanandoftheborrowertorepaytheloanunderthiscontractareconditionaluponthesatisfactionofthefollowingconditions:(a)theexecutionanddeliveryofthiscontractandthepromissorynotetheparties;(b)theaccuracyofallrepresentationsandwarrantiesmadetheborrowerinthiscontract;(c)thelender'sreceiptofallconsents,approvals,licensesandfranchisesnecessaryorappropriatetothelender'sexecutionanddeliveryofthiscontractandthepromissorynoteandthelender'sconsummationofthetransactionscontemplatedhere;and(d)thelender'sdetermination,initssolediscretion,thattheborroweriscreditworthyandhastheabilitytorepaytheloan.5.representationsandwarranties5.1theborrowerrepresentsandwarrantstothelenderasfollows:(a)theborrowerisalegalentitydulyorganizedandvalidlyexistingunderthelawsofthepeople'srepublicofchinaandhasthepowerandauthoritytoenterintoandperformitsobligationsunderthiscontract;(b)theborrowerisdulyqualified,licensedandingoodstandingunderthelawsofthejurisdictioninwhichitisincorporatedororganizedandisdulyqualifiedtodobusinessandingoodstandinginallotherjurisdictionsinwhichitsbusinessrequiressuchqualification;(c)theborrowerhasthepowerandauthoritytoexecuteanddeliverthiscontractandthepromissorynoteandtoperformitsobligationsunderthiscontract;(d)theexecutionanddeliveryofthiscontractandthepromissorynotetheborrowerandtheperformancetheborrowerofitsobligationsunderthiscontracthavebeendulyauthorizedallnecessarycorporateorotherorganizationalactiononthepartoftheborrower;(e)thiscontractandthepromissorynoteconstitutesthelegal,validandbindingobligationoftheborrower,enforceableagainsttheborrowerinaccordancewithitsterms,exceptassuchenforceabilitymaybelimitedapplicablebankruptcy,insolvencyorreorganizationlaws;(f一、附件列表：1.合同編號：__________2.借方（借款人）身份證件或營業(yè)執(zhí)照副本3.貸方（貸款人）身份證件或營業(yè)執(zhí)照副本4.借方（借款人）財務報表5.貸方（貸款人）財務報表6.貸款申請表7.貸款用途證明文件8.擔保文件（如有）9.合同履行過程中產(chǎn)生的其他相關文件二、違約行為及認定：2.借款人提供虛假信息或隱瞞重要事實，視為違約。3.借款人違反合同約定的其他條款，視為違約。5.貸款人未按約定提供服務或未達到約定服務質(zhì)量，視為違約。6.合同履行過程中產(chǎn)生其他違約行為，雙方可協(xié)商解決或按法律規(guī)定處理。三、法律名詞及解釋：1.借款人：指承擔貸款還款義務的自然人、法人或其他組織。2.貸款人：指提供貸款的自然人、法人或其他組織。3.貸款金額：指合同約定的借款人可獲得的貸款最高額度。4.貸款期限：指合同約定的借款人還款期限。5.利息：指借款人按約定支付給貸款人的借款使用費。6.違約金：指借款人因違約行為需支付給貸款人的賠償金。7.擔保：指為保證借款人履行還款義務，提供的財產(chǎn)或信用擔保。四、執(zhí)行中遇到的問題及解決辦法：1.借款人未按約定時間還款：解決辦法：貸款人可與借款人協(xié)商延期還款或分批次還款，必要時可依法采取催收措施。2.借款人提供虛假信息或隱瞞重要事實：解決辦法：貸款人可要求借款人立即糾正，并依法追究其法律責任。3.借款人違反合同約定的其他條款：解決辦法：貸款人可要求借款人立即糾正，并依法追究其法律