2025年度個人消費(fèi)貸款合同中英文對照版

2025年度個人消費(fèi)貸款合同中英文對照版本合同共三部分組成，僅供學(xué)習(xí)使用，第一部分如下：2025年度個人消費(fèi)貸款合同甲方（借款人）：____________________________乙方（貸款人）：____________________________第一條貸款金額及期限1.1本合同項下貸款金額為人民幣_____元（大寫：______元整）。1.2貸款期限為______年，自______年______月______日起至______年______月______日止。第二條貸款用途2.1借款人承諾將本合同項下的貸款用于______（具體用途），不得用于其他用途。2.2借款人需提供相關(guān)證明材料以證明貸款用途的合法性。第三條貸款利率及計息方式3.1本合同項下貸款年利率為______%，實行按月計息。3.2貸款利息按月計收，每月______日為還款日。第四條還款方式及還款計劃4.1本合同項下貸款采取等額本息還款方式。4.2還款計劃如下：|還款期數(shù)|每期還款金額|每期還款本金|每期還款利息|||||||第1期|____________|____________|____________||第2期|____________|____________|____________|||||||第n期|____________|____________|____________|第五條借款人義務(wù)5.1借款人應(yīng)按照合同約定的還款方式及期限足額償還貸款本金及利息。5.2借款人應(yīng)在貸款期限內(nèi)，保證賬戶內(nèi)有足夠的資金用于還款。5.3借款人不得以任何方式將貸款用于非法用途。5.4借款人應(yīng)如實向乙方提供本人及家庭的經(jīng)濟(jì)情況，不得隱瞞或虛報。第六條乙方權(quán)利6.1乙方有權(quán)要求借款人提供與貸款相關(guān)的證明材料。6.2乙方有權(quán)對借款人的信用狀況進(jìn)行調(diào)查。6.3乙方有權(quán)在借款人未按時還款或違反合同約定時，采取相應(yīng)的催收措施。第七條違約責(zé)任7.1借款人未按時還款，每逾期一日，應(yīng)向乙方支付逾期貸款本金的______%作為逾期罰息。7.2借款人違反本合同約定，乙方有權(quán)解除本合同，并要求借款人立即償還全部貸款本金及利息。7.3借款人因違反本合同約定給乙方造成損失的，應(yīng)承擔(dān)相應(yīng)的賠償責(zé)任。第八條爭議解決8.1雙方在履行本合同過程中發(fā)生的爭議，應(yīng)友好協(xié)商解決；協(xié)商不成的，任何一方均可向借款人住所地人民法院提起訴訟。第九條其他約定9.1本合同自雙方簽字（或蓋章）之日起生效。9.2本合同一式兩份，甲乙雙方各執(zhí)一份。9.3本合同未盡事宜，經(jīng)雙方協(xié)商一致，可簽訂補(bǔ)充協(xié)議，補(bǔ)充協(xié)議與本合同具有同等法律效力。甲方（借款人）：乙方（貸款人）：2025PersonalConsumptionLoanAgreementPartyA(Borrower):____________________________PartyB(Lender):____________________________Article1LoanAmountandTerm1.1TheloanamountunderthisagreementisRMB__________Yuan(infull:__________Yuan).1.2Theloantermis__years,startingfrom__/__/____to__/__/____.Article2LoanPurpose2.1Theborroweragreestousetheloanunderthisagreementfor__________(specificpurpose),andshallnotusetheloanforanyotherpurposes.2.2Theborrowershallproviderelevantproofofthelegalityoftheloanpurpose.Article3LoanInterestRateandCalculationMethod3.1Theannualinterestrateoftheloanunderthisagreementis__%,withmonthlyinterestcalculation.3.2Interestiscalculatedandcollectedonamonthlybasis,withthe26thofeachmonthastherepaymentday.Article4RepaymentMethodandRepaymentPlan4.1Theloanunderthisagreementshallberepaidinequalmonthlyinstallments.4.2Therepaymentplanisasfollows:|RepaymentPeriod|MonthlyRepaymentAmount|PrincipalRepayment|InterestRepayment|||||||1stPeriod|____________|____________|____________||2ndPeriod|____________|____________|____________|||||||nthPeriod|____________|____________|____________|Article5Borrower'sObligations5.1Theborroweragreestorepaytheprincipalandinterestoftheloanaccordingtotherepaymentmethodandschedulestipulatedinthisagreement.5.2Theborrowershallensurethattherearesufficientfundsintheaccountforrepaymentduringtheloanterm.5.3Theborrowershallnotusetheloanforanyillegalpurposes.5.4Theborrowershalltruthfullyprovidethefinancialsituationoftheborrowerandthefamily,andshallnotconcealormisrepresent.Article6Lender'sRights6.1Thelenderhastherighttorequiretheborrowertoproviderelevantproofmaterialsrelatedtotheloan.6.2Thelenderhastherighttoinvestigatethecreditstatusoftheborrower.6.3Thelenderhastherighttotakeappropriatecollectionmeasuresiftheborrowerfailstorepayontimeorviolatestheprovisionsofthisagreement.Article7LiabilityforBreachofContract7.1Iftheborrowerfailstorepayontime,theborrowershallpayanoverduepenaltyinterestof__%oftheoutstandingloanprincipalforeachdayofdelay.7.2Iftheborrowerviolatestheprovisionsofthisagreement,thelenderhastherighttoterminatethisagreementandrequiretheborrowertoimmediatelyrepaythefullprincipalandinterestoftheloan.Article8DisputeResolution8.1Intheeventofdisputesarisingintheperformanceofthisagreement,bothpartiesshallattempttoresolvethemamicably;iftheycannotreachanagreement,eitherpartymayfilealawsuitwiththepeople'scourtattheborrower'splaceofresidence.Article9OtherProvisions9.2Thisagreementisexecutedintwocopies,eachpartyholdsonecopy.9.3Anymattersnotstipulatedinthisagreementmaybeagreeduponbothpartiesthroughsupplementaryagreements,whichshallhavethesamelegaleffectasthisagreement.PartyA(Borrower):PartyB(Lender):第二部分：第三方介入后的修正一、第三方定義1.1本合同項下所稱“第三方”是指除甲方（借款人）和乙方（貸款人）以外的，參與本合同履行或與合同履行相關(guān)的任何個人、法人或其他組織。（1）中介機(jī)構(gòu)：指在貸款過程中提供咨詢、評估、擔(dān)保、催收等服務(wù)的機(jī)構(gòu)。（2）擔(dān)保機(jī)構(gòu)：指為甲方提供擔(dān)保服務(wù)的機(jī)構(gòu)。（3）律師事務(wù)所、會計師事務(wù)所等專業(yè)服務(wù)機(jī)構(gòu)。（4）其他與本合同履行相關(guān)的第三方。二、第三方介入的目的及條件2.1第三方介入的目的：（1）協(xié)助甲方完成貸款申請及審批流程。（2）為甲方提供擔(dān)?；蛟鲂欧?wù)。（3）協(xié)助乙方進(jìn)行貸后管理。（4）其他與本合同履行相關(guān)的目的。2.2第三方介入的條件：（1）乙方同意并書面通知甲方第三方介入事宜。（2）甲方同意并書面簽署第三方介入?yún)f(xié)議。（3）第三方同意并簽署第三方介入?yún)f(xié)議。三、第三方責(zé)任3.1第三方在介入本合同履行過程中，應(yīng)遵守法律法規(guī)及本合同約定，對其行為承擔(dān)相應(yīng)的法律責(zé)任。3.2第三方在介入本合同履行過程中，因自身原因?qū)е录追交蛞曳綑?quán)益受損的，應(yīng)承擔(dān)相應(yīng)的賠償責(zé)任。3.3第三方在介入本合同履行過程中，如因不可抗力因素導(dǎo)致甲方或乙方權(quán)益受損的，不承擔(dān)賠償責(zé)任，但應(yīng)及時通知甲方和乙方。四、第三方責(zé)任限額4.1第三方責(zé)任限額：（1）中介機(jī)構(gòu)：對甲方和乙方因中介服務(wù)導(dǎo)致的損失，賠償金額不超過中介服務(wù)費(fèi)的五倍。（2）擔(dān)保機(jī)構(gòu)：對甲方和乙方因擔(dān)保服務(wù)導(dǎo)致的損失，賠償金額不超過擔(dān)保金額的百分之五十。（3）律師事務(wù)所、會計師事務(wù)所等專業(yè)服務(wù)機(jī)構(gòu)：對甲方和乙方因?qū)I(yè)服務(wù)導(dǎo)致的損失，賠償金額不超過專業(yè)服務(wù)費(fèi)的五倍。（4）其他第三方：根據(jù)其與甲方、乙方簽訂的協(xié)議確定。五、第三方與其他各方的劃分說明5.1第三方與甲方、乙方之間的關(guān)系：（1）第三方與甲方、乙方之間為委托關(guān)系，第三方應(yīng)按照甲方、乙方的委托事項履行義務(wù)。（2）第三方不得泄露甲方、乙方的商業(yè)秘密。（3）第三方應(yīng)遵守甲方、乙方的保密協(xié)議。5.2第三方與其他各方的責(zé)任劃分：（1）第三方對甲方、乙方因第三方原因?qū)е碌膿p失，應(yīng)承擔(dān)相應(yīng)的賠償責(zé)任。（2）甲方、乙方對第三方因第三方原因?qū)е碌膿p失，不承擔(dān)賠償責(zé)任。（3）甲方、乙方與第三方之間發(fā)生的爭議，應(yīng)協(xié)商解決；協(xié)商不成的，可依法向人民法院提起訴訟。六、第三方介入?yún)f(xié)議的簽訂6.1第三方介入?yún)f(xié)議的簽訂：（1）乙方應(yīng)與第三方簽訂第三方介入?yún)f(xié)議，明確雙方的權(quán)利、義務(wù)及責(zé)任。（2）甲方應(yīng)同意并簽署第三方介入?yún)f(xié)議。（3）第三方應(yīng)同意并簽署第三方介入?yún)f(xié)議。七、其他7.1本合同項下第三方介入的條款，為本合同不可分割的一部分，與合同其他條款具有同等法律效力。7.2本合同項下第三方介入的條款，如有與法律法規(guī)相抵觸之處，以法律法規(guī)為準(zhǔn)。7.3本合同項下第三方介入的條款，如有未盡事宜，可由甲乙雙方協(xié)商解決。八、英文對照8.1DefinitionofThirdParty1.1Forthepurposeofthisagreement,theterm"thirdparty"referstoanyindividual,legalentity,orotherorganization,exceptPartyA(Borrower)andPartyB(Lender),thatisinvolvedintheperformanceofthisagreementorrelatedtotheperformanceofthisagreement.1.2Thirdpartiesincludebutarenotlimitedtothefollowingtypes:(1)Intermediaryagencies:agenciesthatprovideconsulting,evaluation,guarantee,andcollectionservicesintheloanprocess.(2)Guaranteeinstitutions:institutionsthatprovideguaranteeservicestoPartyA.(3)Lawfirms,accountingfirms,andotherprofessionalserviceinstitutions.(4)Otherthirdpartiesrelatedtotheperformanceofthisagreement.8.2PurposeandConditionsforThirdPartyIntervention2.1Purposeofthirdpartyintervention:(2)ToprovideguaranteeorcreditenhancementservicestoPartyA.(3)ToassistPartyBinpostloanmanagement.(4)Otherpurposesrelatedtotheperformanceofthisagreement.2.2Conditionsforthirdpartyintervention:(1)PartyBagreesandnotifiesPartyAinwritingofthethirdpartyinterventionmatters.(2)PartyAagreesandsignsthethirdpartyinterventionagreement.(3)Thethirdpartyagreesandsignsthethirdpartyinterventionagreement.8.3LiabilityofThirdParty3.1Liabilityofthirdparty:8.4LimitofLiabilityofThirdParty4.1Limitofliabilityofthirdparty:(4)Otherthirdparties:accordingtotheagreementssignedthethirdpartywithPartyAandPartyB.8.5DivisionofResponsibilitiesbetweenThirdPartyandOtherParties5.1RelationshipbetweenthirdpartyandPartyA,PartyB:(1)TherelationshipbetweenthethirdpartyandPartyA,PartyBisaprincipalagentrelationship,andthethirdpartyshallperformitsobligationsinaccordancewiththeprincipal'sinstructions.5.2Divisionofresponsibilitiesbetweenthirdpartyandotherparties:(2)PartyAandPartyBshallnotassumeliabilityforlossescausedtothethirdpartyduetothethirdparty'sreasons.(3)Disputesbetweenthethirdpartyandotherpartiesshallberesolvedthroughconsultation;iftheycannotreachanagreement,theymayfilealawsuitwiththepeople'scourtinaccordancewiththelaw.8.6SigningofThirdPartyInterventionAgreement6.1Signingofthirdpartyinterventionagreement:(1)PartyBshallsignathirdpartyinterventionagreementwiththethirdpartytoclearlydefinetherights,obligations,andresponsibilitiesofbothparties.(2)PartyAshallagreeandsignthethirdpartyinterventionagreement.(3)Thethirdpartyshallagreeandsignthethirdpartyinterventionagreement.8.7OtherProvisions7.1Theprovisionsofthirdpartyinterventionunderthisagreementshallbeanintegralpartofthisagreementandshallhavethesamelegaleffectasotherprovisionsofthisagreement.7.2Ifanyprovisionsofthisagreementonthirdpartyinterventionareinconflictwithlawsandregulations,lawsandregulationsshallprevail.7.3AnymattersnotstipulatedintheprovisionsofthirdpartyinterventionunderthisagreementmayberesolvedthroughconsultationbetweenPartyAandPartyB.第三部分：其他補(bǔ)充性說明和解釋說明一：附件列表：1.貸款申請表：借款人填寫，包含借款人個人信息、貸款用途、還款計劃等。要求：內(nèi)容完整、真實、準(zhǔn)確，簽字或蓋章確認(rèn)。說明：此表作為貸款申請的依據(jù)。2.收入證明：借款人提供的收入證明文件，如工資單、納稅證明等。要求：證明文件真實有效，能夠證明借款人有穩(wěn)定的收入來源。說明：用于評估借款人的還款能力。3.還款能力評估報告：由乙方或第三方出具，評估借款人的還款能力。要求：報告內(nèi)容全面，評估方法合理。說明：用于決定貸款額度及利率。4.擔(dān)保合同：如需擔(dān)保，借款人與擔(dān)保機(jī)構(gòu)簽訂的擔(dān)保合同。要求：擔(dān)保合同內(nèi)容完整，擔(dān)保方式明確。說明：擔(dān)保合同作為借款擔(dān)保的依據(jù)。5.貸款合同：借款人與乙方簽訂的正式貸款合同。要求：合同內(nèi)容完整，條款明確。說明：貸款合同是借款人與