英文版小额贷款合同范本

英文版小额贷款合同范本合同编号：__________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.合同编号：__________2.借方（借款人）身份证件或营业执照副本3.贷方（贷款人）身份证件或营业执照副本4.借方（借款人）财务报表5.贷方（贷款人）财务报表6.贷款申请表7.贷款用途证明文件8.担保文件（如有）9.合同履行过程中产生的其他相关文件二、违约行为及认定：2.借款人提供虚假信息或隐瞒重要事实，视为违约。3.借款人违反合同约定的其他条款，视为违约。5.贷款人未按约定提供服务或未达到约定服务质量，视为违约。6.合同履行过程中产生其他违约行为，双方可协商解决或按法律规定处理。三、法律名词及解释：1.借款人：指承担贷款还款义务的自然人、法人或其他组织。2.贷款人：指提供贷款的自然人、法人或其他组织。3.贷款金额：指合同约定的借款人可获得的贷款最高额度。4.贷款期限：指合同约定的借款人还款期限。5.利息：指借款人按约定支付给贷款人的借款使用费。6.违约金：指借款人因违约行为需支付给贷款人的赔偿金。7.担保：指为保证借款人履行还款义务，提供的财产或信用担保。四、执行中遇到的问题及解决办法：1.借款人未按约定时间还款：解决办法：贷款人可与借款人协商延期还款或分批次还款，必要时可依法采取催收措施。2.借款人提供虚假信息或隐瞒重要事实：解决办法：贷款人可要求借款人立即纠正，并依法追究其法律责任。3.借款人违反合同约定的其他条款：解决办法：贷款人可要求借款人立即纠正，并依法追究其法律