国际借款合同International Loan Agreement

国际借款合同InternationalLoanAgreementLoanAgreementNo.:[ILC-2025-XXXX]DateofSigning:[December3,2025]PlaceofSigning:[London,UnitedKingdom/NewYork,UnitedStates/HongKong,China]ThisInternationalLoanAgreement(the"Agreement")isenteredintoasofthedatefirstabovewrittenbyandbetweenthefollowingparties(collectivelyreferredtoasthe"Parties";eachindividuallyreferredtoasa"Party"):Lender:[FullLegalNameofLender],acompanyincorporatedunderthelawsof[Jurisdiction],withitsregisteredaddressat[FullRegisteredAddress],anditsthe"Lender");Borrower:[FullLegalNameofBorrower],acompanyincorporatedunderthelawsof[Jurisdiction],withitsregisteredaddressat[FullRegisteredAddress],anditsprincipalplaceofbusinessat[PrincipalBusinessAddress](hereinafterreferredtoasthe"Borrower");Guarantor(ifany):[FullLegalNameofGuarantor],acompanyincorporatedunderthelawsof[Jurisdiction],withitsregisteredaddressat[FullRegisteredAddress](hereinafterreferredtoasthe"Guarantor").WHEREAS,theBorrowerisinneedoffundsfor[SpecificPurpose,e.g.,"projectfinancingoftheXYZrenewableenergyproject"/"workingcapitalforcross-bordertrade"];andWHEREAS,theLenderiswillingtoprovidetheloantotheBorrowersubjecttothetermsandconditionssetforthherein;andWHEREAS,theGuarantor(ifany)iswillingtoprovideajointandseveralguaranteefortheBorrower'sobligationshereunder.NOW,THEREFORE,inconsiderationofthemutualcovenantsandagreementscontainedherein,thePartieshereto,throughfriendlynegotiation,agreeasfollows:1.DefinitionsInthisAgreement,unlessthecontextotherwiserequires,thefollowingtermsshallhavethemeaningssetforthbelow:"Agreement"meansthisInternationalLoanAgreementandallappendices,supplements,andamendmentshereto;"BaseRate"means,foranyInterestPeriod,theSecuredOvernightFinancingRate(SOFR)fortherelevanttenorpublishedbytheFederalReserveBankofNewYork(oritssuccessor)twoBusinessDayspriortothecommencementofsuchInterestPeriod;ifSOFRisunavailable,thePartiesshallnegotiateingoodfaithtoselectanalternativebenchmarkinaccordancewithmarketpractice;"BusinessDay"meansadayonwhichbanksareopenforbusinessin[Lender'sLocation]and[Borrower'sLocation],excludingSaturdays,Sundays,andpublicholidaysineitherjurisdiction;"DrawdownPeriod"meanstheperiodfromtheEffectiveDateto[DrawdownDeadlineDate],duringwhichtheBorrowermaydrawdowntheLoanAmount;"EffectiveDate"meansthedateonwhichallconditionsprecedentsetforthinArticle3hereofaresatisfied;"EventofDefault"hasthemeaningascribedtoitinArticle7hereof;"InterestPeriod"meanseachperiodcommencingontheDrawdownDate(orthelastdayoftheprecedingInterestPeriod)andendingonthecorrespondingdateinthenextmonth/quarter(asagreedbytheParties),withamaximumtermof3months;"LoanAmount"meanstheprincipalamountof[AmountinWords](USD[AmountinFigures]),asspecifiedinArticle2.1hereof;"RepaymentPeriod"meanstheperiodfromtheendoftheGracePeriodtotheMaturityDate,duringwhichtheBorrowershallrepaytheprincipalandinterestoftheLoan;"GracePeriod"meanstheperiodfromtheDrawdownDateto[GracePeriodEndDate],duringwhichtheBorrowershallpayinterestonly;"MaturityDate"means[MaturityDate],whichisthefinaldatefortheBorrowertorepayalloutstandingprincipal,interest,andotheramountsowedhereunder.2.LoanTerms2.1LoanAmountandCurrencyTheLenderagreestoprovidealoantotheBorrowerintheamountof[AmountinWords]UnitedStatesDollars(USD[AmountinFigures])(the"LoanAmount").TheLoanshallbedenominatedinUnitedStatesDollars(USD),andallpaymentshereundershallbemadeinUSD.2.2InterestRateandCalculationTheinterestrateapplicabletotheLoan(the"LoanInterestRate")shallbethesumoftheBaseRateandamarginof[X]basispoints(1basispoint=0.01%).InterestshallbecalculatedonthebasisoftheactualnumberofdaystheLoanisoutstandingmultipliedbytheLoanInterestRateanddividedby360(the"Actual/360Basis").IftheBaseRateisadjustedduringanInterestPeriod,theadjustedLoanInterestRateshalltakeeffectonthefirstdayofthenextInterestPeriod.2.3DrawdownTheBorrowershallgivetheLenderawrittendrawdownnotice(the"DrawdownNotice")atleast5BusinessDayspriortotheintendedDrawdownDate.TheDrawdownNoticeshallspecifytheintendedDrawdownDate,theamounttobedrawndown(whichshallnotexceedtheundrawnportionoftheLoanAmount),andthebankaccountdetailsforthereceiptoftheLoanfunds.TheLendershall,within3BusinessDaysafterreceivingavalidDrawdownNotice,transfertherequesteddrawdownamounttotheBorrower'sdesignatedbankaccount.2.4RepaymentDuringtheGracePeriod,theBorrowershallpaytheaccruedinterestonthelastBusinessDayofeachInterestPeriod.DuringtheRepaymentPeriod,theBorrowershallrepaytheprincipalandaccruedinterestin[equalmonthly/quarterly]installments.ThespecificrepaymentscheduleissetforthinAppendix1hereto.AllrepaymentsshallbemadetotheLender'sdesignatedbankaccount:[Lender'sBankName,SWIFTCode,AccountNumber].TheBorrowermayprepaytheLoaninwholeorinpartwithpriorwrittennoticetotheLenderatleast10BusinessDaysinadvance.Iftheprepaymentoccurswithin[12]monthsfromtheDrawdownDate,theBorrowershallpayaprepaymentfeeequalto[0.5%]oftheprepaidamount.2.5LoanPurposeTheLoanshallbeusedsolelyfor[SpecificPurpose],andtheBorrowershallnotchangetheuseoftheLoanwithouttheLender'spriorwrittenconsent.TheBorrowershallprovidetheLenderwithquarterlyreportsontheuseoftheLoanfunds,includingrelevantsupportingdocuments(suchasinvoices,paymentvouchers).3.ConditionsPrecedentTheLender'sobligationtomaketheLoanavailablehereunderissubjecttothefulfillmentofthefollowingconditionsprecedentonorbeforetheEffectiveDate:TheBorrowerhasprovidedtheLenderwithitsarticlesofincorporation,businesslicense,andresolutionsoftheboardofdirectors(orshareholders)authorizingtheexecutionandperformanceofthisAgreement;TheGuarantor(ifany)hasprovidedtheLenderwithitsarticlesofincorporation,businesslicense,andresolutionsauthorizingtheprovisionoftheguarantee,andhasexecutedtheGuaranteeAgreementinfavoroftheLender;TheBorrowerhasprovidedtheLenderwithalegalopinionissuedbyaqualifiedlocallawyerconfirmingthevalidity,enforceabilityofthisAgreement,andcompliancewithapplicablelaws;TheBorrowerhascompletedallnecessarygovernmentapprovalsandregistrations(includingforeignexchangeregistration,ifapplicable)fortheLoan;TheBorrower'srepresentationsandwarrantiessetforthinArticle4hereofaretrueandcorrectasoftheEffectiveDate;NoEventofDefault(oreventthatwouldbecomeanEventofDefaultwiththepassageoftimeorgivingofnotice)hasoccurredandiscontinuing.4.RepresentationsandWarrantiesTheBorrowerrepresentsandwarrantstotheLenderthat,asoftheEffectiveDateandthroughoutthetermofthisAgreement:Itisalegallyestablishedandvalidlyexistingentityunderthelawsofitsjurisdictionofincorporation,withfulllegalcapacityandauthoritytoenterintoandperformthisAgreement;TheexecutionandperformanceofthisAgreementhavebeendulyauthorizedbyallnecessarycorporateactionsanddonotviolateitsarticlesofincorporation,bylaws,oranyapplicablelaws,regulations,orotheragreementstowhichitisaparty;Ithasnomaterialpendingorthreatenedlitigation,arbitration,oradministrativeproceedingsthatcouldhaveamaterialadverseeffectonitsabilitytoperformitsobligationshereunder;ItsfinancialstatementsprovidedtotheLenderaretrue,accurate,andcomplete,reflectingitsfinancialconditionandoperatingresultsinaccordancewith[IFRS/LocalGAAP];Ithasnotdefaultedonanymaterialobligationunderanyotherloanagreement,creditfacility,orguarantee;Itisincompliancewithallapplicablelawsandregulations,includingbutnotlimitedtoanti-moneylaundering,anti-corruption,andsanctionslaws;IthasdisclosedallmaterialinformationrelatedtotheLoananditsfinancialconditiontotheLender,andthereisnomaterialmisrepresentationoromission.5.Covenants5.1AffirmativeCovenantsDuringthetermofthisAgreement,theBorrowershall:ProvidetheLenderwithitsannualauditedfinancialstatements(preparedinaccordancewith[IFRS/LocalGAAP])within120daysaftertheendofeachfiscalyear,andquarterlyunauditedfinancialstatementswithin45daysaftertheendofeachquarter;NotifytheLenderinwritingwithin3BusinessDaysofanymaterialadversechangeinitsfinancialconditionorbusinessoperations,ortheoccurrenceofanyEventofDefault(oreventthatmaybecomeanEventofDefault);Maintainitscorporateexistenceandgoodstanding,andobtainandmaintainallnecessarylicenses,permits,andapprovalsforitsbusinessoperations;Complywithallapplicablelawsandregulations,includingbutnotlimitedtotax,environmental,labor,anddataprotectionlaws;AllowtheLenderoritsauthorizedrepresentativestoinspectitsbusinesspremises,financialrecords,andrelevantdocumentsrelatedtotheLoan,uponreasonablepriornotice;Maintainadequateinsurancecoverage(includingpropertyinsurance,liabilityinsurance)withreputableinsurancecompanies,andprovideevidenceofsuchinsurancetotheLenderuponrequest.5.2NegativeCovenantsDuringthetermofthisAgreement,theBorrowershallnot,withouttheLender'spriorwrittenconsent:Incuranyadditionalmaterialindebtedness(otherthantradepayablesintheordinarycourseofbusiness)orguaranteetheindebtednessofanythirdparty;Create,incur,orallowtoexistanylien,mortgage,pledge,orothersecurityinterest(collectively,"Liens")onanyofitsassets,exceptforLiensarisingintheordinarycourseofbusiness(suchasstatutoryliensforunpaidtaxesnotyetdue);Sell,transfer,lease,ordisposeofanymaterialassets(includingintellectualproperty)inasingletransactionorseriesofrelatedtransactions,exceptforsalesofinventoryintheordinarycourseofbusiness;Merge,consolidate,orundergoanycorporaterestructuring,orchangeitsownershiporcontrol(wherecontrolmeanstheownershipofmorethan50%ofthevotingsharesortheabilitytoexercisesignificantinfluenceoveritsmanagement);Makeanymaterialchangetoitsbusinessscopeorcorebusinessoperations;DistributedividendsormakeotherdistributionstoitsshareholdersifitisindefaultunderthisAgreementorsuchdistributionwouldimpairitsabilitytorepaytheLoan.6.Security(ifapplicable)TosecuretheperformanceoftheBorrower'sobligationshereunder,theBorrower/Guarantoragreestoprovidethefollowingsecurity(the"Security")totheLender:Mortgage:TheBorrowershallmortgageits[DescriptionofMortgagedProperty,e.g.,"commercialrealestatelocatedat[Address]"]totheLender,andcompletethemortgageregistrationproceduresinaccordancewiththelawsoftheproperty'sjurisdiction;Pledge:TheGuarantorshallpledgeits[DescriptionofPledgedAssets,e.g.,"sharesof[TargetCompany]"]totheLender,andcompletethepledgeregistrationprocedures;Guarantee:TheGuarantorshallprovideajointandseveralguaranteefortheBorrower'sobligationshereunder,includingtheprincipal,interest,defaultinterest,liquidateddamages,andallcostsincurredbytheLendertoenforceitsrights(includingattorney'sfees,courtcosts).ThedetailsoftheSecurityshallbesetforthintheseparateSecurityAgreement(s)executedbytherelevantParties.7.EventsofDefaultTheoccurrenceofanyofthefollowingeventsshallconstitutean"EventofDefault":TheBorrowerfailstopayanyprincipal,interest,orotheramountsowedhereunderwhendue,andsuchfailurecontinuesformorethan5BusinessDaysafterreceivingwrittennoticefromtheLender;TheBorrowerbreachesanyofitsrepresentationsandwarrantieshereunder,andsuchbreachismaterialandcannotberemediedwithin30days;TheBorrowerfailstocomplywithanyofthecovenantssetforthinArticle5hereof,andsuchfailureismaterialandcannotberemediedwithin30daysafterreceivingwrittennoticefromtheLender;TheBorrowerbecomesinsolvent,filesforbankruptcy,liquidation,orreorganization,orhasareceiver,administrator,orliquidatorappointedoveritsassets;AnymaterialpartoftheBorrower'sassetsisseized,confiscated,ornationalizedbyanygovernmentauthority;TheSecuritybecomesinvalid,unenforceable,orisreleasedwithouttheLender'sconsent;Across-defaultoccurs,i.e.,theBorrowerdefaultsonanymaterialobligationunderanotherloanagreement,creditfacility,orguarantee,andsuchdefaultresultsintheaccelerationofsuchobligation;AnymaterialadversechangeoccursintheBorrower'sfinancialconditionorbusinessoperationsthatcouldmateriallyimpairitsabilitytoperformitsobligationshereunder.8.RemediesUponDefaultUpontheoccurrenceofanEventofDefault,theLendermay,atitsoption,takeoneormoreofthefollowingremedies:Declaretheentireoutstandingprincipal,accruedinterest,andallotheramountsowedhereunderimmediatelydueandpayable;ChargedefaultinterestontheoutstandingamountsatarateequaltotheLoanInterestRateplus200basispoints,fromthedateofdefaultuntilfullrepayment;ExerciseallrightsandremediesundertheSecurityAgreement(s),includingforeclosingonthemortgaged/pledgedassetsandsellingthemtorecovertheamountsowed;Initiatelegalproceedings(includingarbitration)torecovertheamountsowed,andtheBorrowershallbearallcostsincurredbytheLenderinconnectiontherewith,includingreasonableattorney'sfees,courtcosts,andenforcementexpenses;SuspendorterminatetheLender'sobligationtomakefurtherdrawdownsundertheLoan.TheLender'sexerciseofanyremedyhereundershallnotprejudiceitsrighttoexerciseotherremedies.ThefailureoftheLendertoexerciseanyrightorremedyshallnotconstituteawaiverthereof,andanypartialexerciseshallnotpreventtheexerciseofotherrightsorremedies.9.GoverningLawandDisputeResolution9.1GoverningLawThisAgreementshallbegovernedbyandconstruedinaccordancewiththelawsof[Jurisdiction,e.g.,"EnglandandWales"/"theStateofNewYork,UnitedStates"],excludingitsconflictoflawsrules.9.2DisputeResolutionAnydispute,controversy,orclaimarisingoutoforinconnectionwiththisAgreement(includingitsformation,validity,performance,breach,ortermination)shallfirstberesolvedthroughfriendlynegotiationbetweenthePartieswithin30daysafteronePartysendsawrittennoticeofnegotiationtotheotherParty.Ifthedisputecannotberesolvedthroughnegotiation,itshallbesubmittedtothe[LondonCourtofInternationalArbitration(LCIA)/SingaporeInternationalArbitrationCentre(SIAC)/HongKongInternationalArbitrationCentre(HKIAC)]forarbitrationinaccordancewiththearbitrationrulesofsuchinstitutionineffectatthetimeoftheapplicationforarbitration.Theseatofarbitrationshallbe[City,e.g.,"London"/"Singapore"/"HongKong"].Thenumberofarbitratorsshallbe[one/three],andthearbitrationproceedingsshallbeconductedintheEnglishlanguage.ThearbitrationawardshallbefinalandbindingonallParties,andmaybeenforcedinanycourthavingjurisdictionthereofinaccordancewiththeUnitedNationsConventionontheRecognitionandEnforcementofForeignArbitralAwards(1958).10.Compliance10.1Anti-MoneyLaunderingandSanctionsComplianceThePartiesshallcomplywithallapplicableanti-moneylaunderinglaws,includingtheUSAPATRIOTAct,theEUAnti-MoneyLaunderingDirective,andtheanti-moneylaunderinglawsoftheirrespectivejurisdictions.TheBorrowerwarrantsthatitisnotlistedonanysanctionslistissuedbytheUnitedNations,theUnitedStatesOfficeofForeignAssetsControl(OFAC),theEuropeanUnion,orotherrelevantinternationalorganizations,andthattheLoanfundswillnotbeusedtobenefitanysanctionedpersonorentity.10.2TaxComplianceTheBorrowershallberesponsibleforwithholdingandpayinganytaxes(includingwithholdingtax)requiredbythelawsofitsjurisdictionontheinterestandotherpaymentsmadetotheLenderhereunder.IftheBorrowerwithholdsanytaxes,itshallprovidetheLenderwithavalidtaxwithholdingcertificatewithin30daysafterthepayment.ThePartiesshallcooperatetoobtainanyapplicabletaxtreatybenefitstoreducethewithholdingtaxrate.10.3ESGCompliance(ifapplicable)IftheLoanisagreenloanorsustainability-linkedloan,theBorrowershallcomplywiththeESGrequirementssetforthinAppendix2hereto,includingachievingtheagreedsustainabilityperformancetargetsandprovidingregularESGreportstotheLender.11.Miscellaneous11.1NoticesAllnotices,requests,andcommunicationsunderthisAgreementshallbeinwritinganddeliveredbyhand,registeredmail,courierservice,oremailtothefollowingaddressesoftheParties:TotheLender:[Lender'sContactPerson,Address,Email,PhoneNumber]TotheBorrower:[Borrower'sContactPerson,Address,Email,PhoneNumber]TotheGuarantor(ifany):[Guarantor'sContactPerson,Address,Email,PhoneNumber]Anoticeshallbedeemedeffective:(a)ifdeliveredbyhand,onthedateofdelivery;(b)ifsentbyregisteredmailorcourierservice,onthethirdBusinessDayafterthedateofposting;(c)ifsentbyemail,onthedateofreceipt(asconfirmedbyareadreceiptorotherevidenceofdelivery).11.2ConfidentialityEachPartyshallkeepconfidentialallinformationobtainedinconnectionwiththisAgreement,includingthetermsofthisAgreement,thefinancialinformationoftheotherParty,andothernon-publicinformation.Suchconfidentialityobligationshallnotapplytoinformationthat:(a)isorbecomespubliclyavailablethroughnofaultofthereceivingParty;(b)isrequiredtobedisclosedbyapplicablelawsorregulatoryauthorities;(c)isdisclosedtotheParty'slegalcounsel,auditors,orotherprofessionaladvisorswhoareboundbyconfidentialityobligations.11.3AssignmentTheLendermayassignallorpartofitsrightsandobligationshereundertoathirdparty(includinganotherfinancialinstitution)withpriorwrittennoticetotheBorrower,butwithouttheneedfortheBorrower'sconsent.TheBorrowershallnotassignitsrightsorobligationshereundertoanythirdpartywithouttheLender'spriorwrittenconsent.11.4AmendmentsandWaiversAnyamendment,modification,orwaiverofanyprovisionofthisAgreementshallbeinwritingandsignedbyallPartiesheretotobeeffective.AwaiverofanybreachofthisAgreementshallnotbedeemedawaiverofanysubsequentbreach.11.5SeverabilityIfanyprovisionofthisAgreementisdeterminedtobeinvalid,illegal,orunenforceableunderapplicablelaws,suchprovisionshallbedeemedmodifiedtotheminimumextentnecessarytomakeitvalid,legal,andenforceable,andtheremainingprovisionsofthisAgreementshallremaininfullforceandeffect.11.6EntireAgreementThisAgreementanditsappendicesconstitutetheentireagreementbetweenthePartieswithrespecttothesubjectmatterhereof,andsupersedeallprioragreements,understandings,andrepresentations(whetheroralorwritten)betweenthePartiesrelatingthereto.11.7ForceMajeureA"ForceMajeureEvent"meansaneventbeyondthereasonablecontrolofaParty,includingbutnotlimitedtowar,riot,strike,naturaldisaster(earthquake,flood,typhoon),governmentorder,orotherunforeseenandunavoidableevent.IfaPartyisunabletoperformitsobligationshereunderduetoaForceMajeureEvent,itshallnotifytheotherPartyimmediatelyandprovideevidenceofsucheventwithin15days.ThePartiesshallnegotiateingoodfaithtodeterminewhethertosuspendorterminatethisAgreement,orextendtheperformanceperiod,basedontheimpactoftheForceMajeureEvent.12.SignaturesThisAgreementshallcomeintoeffectuponbeingsignedandsealedbytheauthorizedrepresentativesofallParties.ThisAgreementisexecutedin[three]counterparts,witheachPartyholding[one]counterpart,eachofwhichshallbedeemedanoriginalandhavethesamelegaleffect.(Thefollowingpagesareforsignaturesonly,withoutanytext)Lender:[FullLegalNameofLender]By:_________________________Name:______________________Title:_______________________Date:_______________________Borrower:[FullLegalNameofBorrower]By:_________________________Name:______________________Title:_______________________Date:_______________________Guarantor(ifany):[FullLegalNameofGuarantor]By:_________________________Name:______________________Title:_______________________Date:_______________________Appendix1:RepaymentScheduleRepaymentInstallmentRepaymentDatePrincipalAmount(USD)AccruedInterest(USD)TotalPayment(USD)1[Date][Amount][Amount][Amount]2[Date][Amount][Amount][Amount]Final[MaturityDate][Amount][Amount][Amount]Appendix2:ESGRequirements(ifapplicable)SustainabilityPerformanceTargets:TheBorrowershallreduceitscarbonemissionintensityby[X]%by[Date]comparedtothebaselineyear[Year];ReportingObligations:TheBorrowershallprovideasemi-annualESGreporttotheLender,includingdataontheachievemento