河南省农村信用社个人借款合同

h1个人借款 合同 劳动合同范本免费下载装修合同范本免费下载租赁合同免费下载房屋买卖合同下载劳务合同范本下载 h1pnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsp合同编号pp贷款人nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsppp借款人nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsppp根据有关法律法规和规章经双方当事人协商一致订立本合同pp第一条nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsp借款金额pp借款金额大写nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsppp第二条nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsp借款用途及还款来源pp借款用途nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsppp还款来源nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspppnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspppnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsppp借款人应将借款用于合同约定用途未经贷款人书面同意借款人不得改变借款用途nbspnbsppp第三条nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsp借款期限pp本合同项下的贷款期限为nbspnbspnbspnbspnbspnbspnbspnbspnbspnbsp个月自nbspnbspnbspnbspnbspnbspnbsp年nbspnbspnbspnbspnbspnbsp月nbspnbspnbspnbspnbspnbsp日nbsp起至nbspnbspnbspnbspnbspnbspnbspnbsp年nbspnbspnbspnbspnbspnbspnbspnbsp月nbspnbspnbspnbspnbspnbspnbspnbsp日实际借款起止日期以贷款实际发放日为准借款人所欠债务的有效凭证以贷款人按业务操作规定出具的会计凭证为准pp第四条nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsp贷款利率罚金利率计息和结息pp一nbspnbspnbspnbspnbspnbsp贷款利率pp本合同项下的贷款利率为月利率利率为下列第nbspnbspnbspnbspnbspnbspnbspnbsp种pp1固定利率月利率为nbspnbspnbspnbspnbspnbsp‰在借款期限内该利率保持不变不分段计息pp2固定浮动利率即提款日基准利率nbspnbspnbspnbsp选填上浮或下浮nbspnbspnbsp之后每笔借据的贷款利率按提款日借据期限相对应档次的中国人民银行规定的法定贷款利率进行同比例调整执行不分段计息pp3浮动利率即提款日基准利率nbspnbspnbspnbsp选填上浮或下浮nbspnbspnbsp从次年第一期还款日起利率实行一年一定每年第一期还款日为利率调整日从每年的第一期还款日起按当年1月1日中国人民银行规定的法定同档次贷款利率进行同比例调整执行分段计息pp二贷款利息自实际提款日起按日计算日利率月利率30pp三结息pp本合同项下贷款按以下第nbspnbspnbspnbspnbspnbsp种方式结息pp1nbsp按月结息结息日固定为每月的第20日pp2nbsp按季结息结息日固定为每季末月的第20日pp3nbsp利随本清pp4nbsp其他方式nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsppp四罚息nbsppp逾期贷款罚息按原借款利率基础上加收50pp挪用贷款罚息按原借款利率基础上加收100nbspnbspnbspnbspnbspnbspnbsppp第五条nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsp贷款的发放与支付nbspnbspnbspnbspnbsppp一nbspnbspnbspnbspnbspnbsp发放贷款的前提条件pp除贷款人全部或部分放弃外只有持续满足下列前提条件贷款人才有义务发放贷款pp1nbsp借款人已办妥与本合同项下贷款有关的批准登记交付保险及其他法定手续pp2nbsp担保物权或类似优先权已合法设立并生效如有贷款采用抵押方式担保的已办妥抵押登记手续并将该抵押物登记凭证所有权凭证抵押权凭证他项权利凭证交付贷款人占有贷款采用质押方式担保的已将质押物交付贷款人所有出质行为依法需要办理登记手续的该登记已完成pp3nbsp借款人已经按照贷款人的要求开立用于提款还款的账户pp4nbsp借款人没有发生本合同所约定的任一违约事项或本合同约定的任何可能危及贷款人债权安全的情形pp5nbsp法律法规规章或有权部门不禁止且不限制贷款人发放本合同项下的贷款pp6nbsp采用自主支付方式的贷款借款人应书面向贷款人提出申请附一借款自主支付申请书并已征得贷款人的同意pp7nbsp借款人向贷款人提供的资料应符合以下要求pp1nbspnbspnbspnbspnbspnbspnbspnbspnbsp合法真实完整准确有效pp2nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbsppp3nbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspnbspampxp