Student Loan Agreement

Contract No.: _________________________
Place of Signing: ______________________
Date of Signing: ____ / __ / ____

Article 1. Parties to the Agreement

Party A (Lender): ___________________________
Unified Social Credit Code / Business License No.: _______________________
Registered Address: _________________________________________________
Contact Person & Contact Information: _________________________________

Party B (Student Borrower): ___________________________
ID Card No. / Passport No.: _______________________
Address: _________________________________________________
Contact Information: _________________________________
Enrolled School & Student ID: _______________________

Article 2. Loan Amount and Purpose

  1. Loan Amount: RMB ______ (or USD ______).
  2. Purpose of Loan: Party B undertakes to use the loan strictly for education-related expenses, including tuition, accommodation, textbooks, and other related costs, and shall not divert the funds for other purposes.

Article 3. Loan Term

  1. Start Date: ____ / __ / ____ (date when loan funds are disbursed).
  2. Maturity Date: ____ / __ / ____.
  3. Loan Term: ______ years/months, commencing from the actual date of disbursement.

Article 4. Interest Rate and Fees

  1. Interest Rate: Annual rate ______% (or monthly rate ______%), calculated on an actual day basis.
  2. Service Fee and Other Charges (if applicable): RMB ______ or equivalent costs.
  3. Payment of Interest and Fees: □ Monthly □ Per Semester □ Other agreed method: _______________________.

Article 5. Repayment Method

  1. Repayment Method:
    • □ Lump sum repayment of principal and interest after graduation
    • □ Installments
    • □ Monthly interest payments with principal repaid at maturity
    • □ Other: _______________________
  2. Repayment Account (designated by Party A):
    • Bank Name: _______________________
    • Branch: _______________________
    • Account Holder: _______________________
    • Account Number: _______________________
  3. Party B shall make repayments of principal and interest to the above-designated account on schedule.

Article 6. Grace Period and Deferred Repayment

  1. During the study period, Party B may enjoy a grace period of ____ years/months. Within this period, Party B shall either pay only the interest or may defer repayment, as agreed by both parties.
  2. Upon expiration of the grace period, Party B shall fully repay the loan principal and interest as stipulated.
  3. Overdue Repayment: If Party B fails to repay on time, a late penalty of ______% per day shall be applied to the overdue amount. Party A has the right to demand immediate repayment of the entire outstanding loan and interest.

Article 7. Security (if applicable)

  1. This loan may be secured by mortgage, pledge, or guarantor. Details: _______________________.
  2. The scope of security covers the principal, interest, and any expenses arising from default.
  3. Information of guarantor or collateral: _______________________.

Article 8. Rights and Obligations of the Parties

  1. Party A (Lender):
    • Provide the loan in accordance with this Agreement;
    • Collect interest and fees as agreed;
    • Supervise the use of the loan.
  2. Party B (Borrower):
    • Use the loan strictly for the agreed purpose;
    • Repay principal and interest on schedule as agreed;
    • Provide truthful information and cooperate with loan management and supervision.

Article 9. Liability for Breach of Contract

  1. If Party B fails to perform repayment obligations, Party B shall bear overdue penalties and compensate related losses.
  2. If Party A fails to provide the loan as agreed, Party A shall bear the corresponding liability.
  3. Neither party shall be held liable if the contract cannot be performed due to force majeure, but both parties shall negotiate in a timely manner.

Article 10. Dispute Resolution

  1. This Agreement shall be governed by the laws and regulations of the place of signing.
  2. Any disputes arising during the performance of this Agreement shall first be resolved through negotiation; if negotiation fails, either party may submit the dispute to the arbitration commission or the People’s Court at the place of signing.

Article 11. Miscellaneous

  1. Matters not covered in this Agreement shall be supplemented in writing, and such supplements shall have the same legal effect as this Agreement.
  2. This Agreement is executed in two (2) originals, with each party holding one, and shall take effect upon signing and/or sealing by both parties.
  3. Both parties confirm that electronic signatures and paper signatures are equally valid.

Signatures

Party A (Lender): ___________________ (Seal/Signature)
Date: ____ / __ / ____

Party B (Student Borrower): ___________________ (Signature)
Date: ____ / __ / ____