【正文】 h a life exceeding one year, the interest shall be calculated on a multistage basis, . from next jan. 1st following the adjustment of interest rate, the new rate shall prevail. in case the borrower fails to repay the principal and interest before the due date, or fails to use the loan for purposes as agreed in this contract, the lender shall be entitled to collect default interest in line with relevant rules. the default interest rate is specified in . ，實行分段計息的，貸款人有權(quán)根據(jù)國家有關(guān)規(guī)定自行調(diào)整，不另行通知借款人。 in case of calculating interest on multistage basis due to adjustment of interest rate, the lender shall be entitled to adjust the interest rate on his own without further notice to the borrower. 第六條 還款方式。 article 6 type of repayment of loan 借款人應(yīng)在貸款人開設(shè)帳戶，戶名和帳號見 ，并保證在每次還款日前足額存入當期應(yīng)還款項的存款。借款人在此授權(quán)貸款人從借款人該帳戶中扣收借款本金、利息和可能發(fā)生的復(fù)利、罰息、違約金、保費、損害賠償金及實現(xiàn)債權(quán)的費用(含律師費和訴訟費)。如該帳戶資產(chǎn)不足以歸還到期的貸款本息，貸款人有權(quán)從借款人在中國工商銀行任何分支機構(gòu)開立的任何帳戶劃收。 the borrower should open an account with the lender( the account name and account number are specified in .) and promise to deposit sufficient money for repayment before each due date. the borrower hereby authorizes the lender to collect , if any, pound interest, default interest, liquidated damage, premium, pensation and expenses arising from the realization of creditors right (including lawyers fee and court expense)in addition to due principal and interest of loan. in case the asset in this account is not enough for repayment of due principal and interest, the lender shall be entitled to collect from any account opened by the borrower with any branch of icbc. ，自貸款發(fā)放次月起，借款人按月歸還貸款本息(一次性還本付息除外)，還款期數(shù)及還款方式見 。 the borrower shall repay the principal and interest on a monthly basis (except repaying principal and interest in a lump sum) from the second month following the issuing of loan , as agreed between the borrower and lender. the repayment tenors and type are specified in . ，對借款期限在1年以上的，應(yīng)從利率調(diào)整的次年1月1日開始根據(jù)未償還借款余額和剩余還款期數(shù)進行調(diào)整，重新計算還款金額。 in case of multistage calculation of interest as specified in due to adjustment of interest rate during the life of loan, the repayment amount for loans with a life exceeding one year shall be recalculated on the basis of balance of unpaid loan and the rest of repayment tenor from next jan. 1st following the adjustment of interest rate. ，提前歸還部分的利息仍按本合同約定的利率和該部分實際使用天數(shù)計算。 repayment of the loan ahead of schedule by the borrower shall be subject to written consent from the lender. the interest of prepaid amount should be calculated on the basis of rate specified in this contract and actual days. 第七條 擔保方式。本合同的擔保人及擔保方式見 。具體約定由本合同中相應(yīng)的擔保條款確足。 article 7 guaranty type. the guarantor and guaranty type under this contract is specified in . the specific stipulations are stated in corresponding guaranty clauses. 第八條 借款人的權(quán)利、義務(wù)。 article 8 rights and obligations of the borrower. ： rights of the borrower. 按本合同約定的期限和用途取得和使用借款。 obtain and use the loan for the period and purposes as agreed in this contract. 借款合同三 貸款方:__________________ 借款方:__________________ 一、借款用途 二、借款金額 借款方向貸款方借款人民幣元。 三、借款利息 自支用貸款之日起,按實際支用數(shù)計算利息,并計算復(fù)利。在合同規(guī)定的借 款期內(nèi),年利為%。借款方如果不按期歸還款,逾期部分加收利率%。 四、借款期限 借款方保證從年月起至年月止,按本合同規(guī)定的利息償還借款。 貸款逾期不還的部分，貸款方有權(quán)限期追回貸款。 五、保證條款 (一)借款方用__________________做抵押,到期不能歸還貸款方的貸款,貸款方 有權(quán)處理抵押品。借款方到期如數(shù)歸還貸款的,抵押權(quán)消滅。 (二)借款方必須按照借款合同規(guī)定的用途使用借款,不得挪作他用,不得 用借款進行違法活動。 (三)借款方必須按合同規(guī)定的期限還本付息。 (四)乙方還款保證人____________，為確保本契約的履行，愿與乙方負連帶返還借款本息 的責任。 六、合同爭議的解決方式 雙方協(xié)商解決，解決不成，同意提交_______區(qū)人民法院(選擇性條款不得違反地域管轄和級別管轄，可選擇原告、被告、標的物、合同簽訂地、合同履行地) 七、本合同自__________________生效。本合同一式兩份，雙方各執(zhí)一份，合同文本具有同等法律效力。 甲方(簽字、蓋章)：______________乙方(簽字、蓋章)：______________ 20XX正規(guī)借款合同范本 甲方：________________________ 身份證號碼：__________________ 乙方：________________________ 身份證號碼：__________________ 甲、乙雙方經(jīng)充分協(xié)商，訂定以下借款合同： 一、甲方因經(jīng)營活動需要，向乙方借款人民幣__________萬元(￥____________)，乙方于______年______月______日之前將該筆款項匯入甲方或者其指定帳戶，由甲方向乙方出具收到借款的確認書。 二、借款期限為______ 年，從甲方出具上述確認書之日起計。利率以五年期銀行貸款利率計，即為每年______%。如遇國家調(diào)整同期銀行貸款利率的，則雙方之間的借款利率亦作相應(yīng)的調(diào)整。 借款期滿之次日，本金隨同所有的利息一次性歸還給乙方。 上述本息若逾期支付，則以每日千分之一的比例計算違約金。 三、為上述條款的履行，甲方以其在____________股份有限公司(下稱__________公司)的所有股份(占____________公司注冊資本的 _____%)向乙方提供質(zhì)押擔保，并由甲方于借款收款確認書日簽署之日負責落實辦理將上述股份出質(zhì)事項記載于___________公司的股東名冊，由__________公司向乙方出具上述登記完成的確認書。 四、雙方確認，如果甲方與__________________公司之間的勞動關(guān)系結(jié)束，則本合同于該結(jié)束之日同時解除，此等情況下甲方應(yīng)于該解除之日起的______________日內(nèi)歸還所有借款本息。 五、如因本合同發(fā)生爭議的，雙方協(xié)商解決，協(xié)商不成的，提交乙方戶籍所在地的i仲裁機構(gòu)解決。 六、本合同一式二份，雙方各執(zhí)一份。對本合同未盡事宜，雙方可另行簽訂補充協(xié)議，與本合同具有相同效力。 甲方：___________________ 日期：___________________ 乙方：___________________ 日期、