2023年借款合同协议书【参考10篇】

1/192023年借款合同协议书【参考10篇】在人民愈发重视法律的社会中，越来越多事情需要用到合同，它也是实现专业化合作的纽带。那么合同应该怎么制定才合适呢？下面是我给大家分享的“2023年借款合同协议书【参考10篇】”，欢迎大家参考下载分享借鉴，希望对大家能够有所帮助。借款合同协议书【第一篇】借款人：borrower:贷款人：lender:抵押人：mortgagor:保证人：surety:出质人：pledgeor:为明确各方权利和义务，根据《合同法》、《贷款通则》和其他有关法律、法规，订立本合同。thiscontractismadeinlinewiththecontractlawofthepeople'srepublicofchinaandthegeneral2/19provisionsofloansofthepeople'sbankofchinatospecifytherightsandobligationsofpartiesinvolved.借贷条款loanborrowingclause第一条借款金额。见36.1article1.amountofloan:referto36.1第二条借款用途。见36.2article2.purposeofloan:referto36.2第三条借款期限。article3.lifeofloan3.1见36.3。3.1referto36.33.2借据或贷款凭证是本合同不可分割的组成部分。借款的实际放款日和还款日以借款人、贷款人双方办理的借据或凭证上所记载的日期为准。除日期外，借据或凭证其他记载事项如与本合同不一致的，以本合同为准。3.2acertificateofindebtednessoraloanvoucherisanintegralpartofthiscontract.thedateofadvanceandpaymentduedateshallfollowthedatespecifiedonthecertificateofindebtednessorloanvoucher.wherethereisanyinconsistencybetweenthestipulationsonthecertificateofindebtednessorloanvoucherandthe3/19termsandconditionsonthiscontractexceptdate,thelattershallprevail.第四条借款划付。在借款人办妥借款手续后5个营业日内将全部款项划至借款人指定的账户，划付次数、时间、金额见36.4。第五条article4transferringofloan.thefullamountofloanshallbetransferredtoanaccountdesignatedbytheborrowerwithin5workingdaysfromthedateofcompletingborrowingprocedure.referto36.4forthefrequency,timeandamountoftransferring第五条借款利率和计息。article5.interestrateofloanandcalculation5.1借款利率。本合同项下借款利率根据国家有关规定，确定利率见—36—.5。遇利率调整时，借款期限在1年(含)以下的，执行合同利率，不分段计息;借款期限在1年以上的，实行分段计息，从利率调整的次年1月1日开始，按相应利率的档次执行新的利率;如借款人未按约定时间归还借款本息或未按合同约定用途使用借款，贷款人将按国家规定对借款人计收罚息，罚息率见36.6。5.1interestrateofloan:theinterestrateunderthiscontractisspecifiedin36.5inlinewithrelevantrules.incaseofchangeofinterestrate,theinterestratestipulatedinthecontractshallprevailforloans4/19withalifeoflessthanorequaltooneyear;forloanswithalifeexceedingoneyear,theinterestshallbecalculatedonamulti-stagebasis,i.e.fromnextjan.1stfollowingtheadjustmentofinterestrate,thenewrateshallprevail.incasetheborrowerfailstorepaytheprincipalandinterestbeforetheduedate,orfailstousetheloanforpurposesasagreedinthiscontract,thelendershallbeentitledtocollectdefaultinterestinlinewithrelevantrules.thedefaultinterestrateisspecifiedin36.6.5.2遇利率调整时，实行分段计息的，贷款人有权根据国家有关规定自行调整，不另行通知借款人。5.2incaseofcalculatinginterestonmulti-stagebasisduetoadjustmentofinterestrate,thelendershallbeentitledtoadjusttheinterestrateonhisownwithoutfurthernoticetotheborrower.第六条还款方式。article6typeofrepaymentofloan6.1借款人应在贷款人开设帐户，户名和帐号见36.7，并保证在每次还款日前足额存入当期应还款项的存款。借款人在此授权贷款人从借款人该帐户中扣收借款本金、利息和可能发生的复利、罚息、违约金、保费、损害赔偿金及实现债权的费用(含律师费和诉讼费)。如该帐户资产不足以归还到期的贷5/19款本息，贷款人有权从借款人在中国工商银行任何分支机构开立的任何帐户划收。6.1theborrowershouldopenanaccountwiththelender(theaccountnameandaccountnumberarespecifiedin36.7.)andpromisetodepositsufficientmoneyforrepaymentbeforeeachduedate.theborrowerherebyauthorizesthelendertocollect,ifany,compoundinterest,defaultinterest,liquidateddamage,premium,compensationandexpensesarisingfromtherealizationofcreditor’sright(includinglawyer’sfeeandcourtexpense)inadditiontodueprincipalandinterestofloan.incasetheassetinthisaccountisnotenoughforrepaymentofdueprincipalandinterest,thelendershallbeentitledtocollectfromanyaccountopenedbytheborrowerwithanybranchoficbc.6.2贷款人与借款人双方商定，自贷款发放次月起，借款人按月归还贷款本息(一次性还本付息除外)，还款期数及还款方式见36.8。6.2theborrowershallrepaytheprincipalandinterestonamonthlybasis(exceptrepayingprincipalandinterestinalumpsum)fromthesecondmonthfollowingtheissuingofloan,asagreedbetweentheborrowerandlender.therepaymenttenorsandtypeare6/19specifiedin36.8.6.3借款期间遇利率调整，如执行本合同5.1条实行分段计息的，对借款期限在1年以上的，应从利率调整的次年1月1日开始根据未偿还借款余额和剩余还款期数进行调整，重新计算还款金额。6.3incaseofmulti-stagecalculationofinterestasspecifiedin5.1duetoadjustmentofinterestrateduringthelifeofloan,therepaymentamountforloanswithalifeexceedingoneyearshallberecalculatedonthebasisofbalanceofunpaidloanandtherestofrepaymenttenorfromnextjan.1stfollowingtheadjustmentofinterestrate.6.4借款人提前归还贷款须经贷款人书面同意，，提前归还部分的利息仍按本合同约定的利率和该部分实际使用天数计算。6.4repaymentoftheloanaheadofschedulebytheborrowershallbesubjecttowrittenconsentfromthelender.theinterestofprepaidamountshouldbecalculatedonthebasisofratespecifiedinthiscontractandactualdays.第七条担保方式。本合同的担保人及担保方式见36.9。具体约定由本合同中相应的担保条款确足。article7guarantytype.theguarantorandguaranty7/19typeunderthiscontractisspecifiedin36.9.thespecificstipulationsarestatedincorrespondingguarantyclauses.第八条借款人的权利、义务。article8rightsandobligationsoftheborrower.8.1借款人的权利：8.1rightsoftheborrower.按本合同约定的期限和用途取得和使用借款;obtainandusetheloanfortheperiodandpurposesasagreedinthiscontract.借款合同协议书【第二篇】出借人(甲方)：借款人(乙方)：甲、乙双方在平等自愿、友好协商的基础上，达成以下协议：一、乙方向甲方借款人民币元整。二、借款期限为年，从年月日起至年月日止。三、借款期限届满，乙方保证返还借款，否则愿意承担一切法律责任。四、甲方在本协议书签订后二日内将借款交付乙方。五、甲方未按时将款交付乙方或者乙方未按时还款，违约方应当向守约方支付违约金__________元。8/19六、本协议一式二份，自甲、乙双方签名并加盖公章(是单位的加盖公章)之日生效，甲、乙双方各执一份为凭。甲方：乙方：签订∶年月日借款合同协议书【第三篇】贷款方：__________________借款方：__________________一、借款用途二、借款金额借款方向贷款方借款人民币——元。三、借款利息自支用贷款之日起，按实际支用数计算利息，并计算复利。在合同规定的借款期内，年利为——%。借款方如果不按期归还款，逾期部分加收利率——%。四、借款期限借款方保证从——年——月起至——年——月止，按本合同规定的利息偿还借款。贷款逾期不还的部分，贷款方有权限期追回贷款。五、保证条款(一)借款方用__________________做抵押，到期不能归还贷款方的贷款，贷款方有权处理抵押品。借款方到期如数归还贷款的，抵押