Credit Loan Agreement

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

Article 1 Parties to the Contract

Party A (Lender): _________________________
ID/Passport/Business License No.: _________________________
Address: _________________________
Contact Information: _________________________

Party B (Borrower): _________________________
ID/Passport No.: _________________________
Address: _________________________
Contact Information: _________________________

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 lawful personal consumption or business purposes (as applicable), and shall not divert the loan to other uses.

Article 3 Loan Term

  1. Start Date: ____ / __ / ____ (the actual date the loan is disbursed).
  2. Maturity Date: ____ / __ / ____.
  3. Loan Term: ______ months/days, calculated from the actual date of disbursement.

Article 4 Interest and Fees

  1. Interest Rate: Annual interest rate ______% (or monthly rate ______%), calculated on the basis of actual days outstanding.
  2. Service Fees and Other Charges (if any): Party B agrees to pay RMB ______ or equivalent applicable fees.
  3. Payment Method of Interest and Fees: Lump sum / Monthly / Installments.

Article 5 Repayment Method

  1. Repayment Method (choose one):
    • □ Lump sum repayment of principal and interest
    • □ Installment repayment
    • □ Monthly interest payment with principal due at maturity
    • □ Other: _________________________
  2. Repayment Account (designated by Party A):
    1. Bank Name: _________________________
    2. Branch: _________________________
    3. Account Holder: _________________________
    4. Account Number: _________________________
  3. Party B shall repay the principal and interest on time to the designated account of Party A.

Article 6 Early Repayment

  1. Party B may repay all or part of the loan early, with interest calculated based on the actual borrowing period.
  2. Early repayment requires written notice ____ days in advance, and both parties shall confirm the settlement amount.

Article 7 Rights and Obligations of the Parties

  1. Party A (Lender):
    1. Provide the loan in accordance with the terms of this Agreement;
    2. Collect interest and fees as agreed;
    3. Supervise the use of the loan.
  2. Party B (Borrower):
    1. Use the loan in accordance with the agreed purpose;
    2. Repay principal and interest on time;
    3. Provide truthful information and cooperate with Party A in credit review and supervision.

Article 8 Breach of Contract

  1. If Party B fails to perform repayment obligations, Party B shall bear late payment penalties and compensate for related losses.
  2. If Party A fails to provide the loan as agreed, Party A shall bear corresponding liabilities.
  3. In case of force majeure that prevents the performance of this Agreement, neither party shall be liable, but both shall promptly negotiate a solution.
  4. If Party B maliciously evades repayment, Party A has the right to recover the loan through credit reporting or legal means.

Article 9 Dispute Resolution

  1. The governing law shall be the law and regulations of the place of signing.
  2. Any disputes arising during the performance of this Agreement shall first be settled through negotiation. If negotiation fails, the dispute may be submitted to the arbitration commission or court at the place of signing.

Article 10 Miscellaneous

  1. Matters not covered in this Agreement may be supplemented in a written agreement signed by both parties. Any supplement shall have the same legal effect as this Agreement.
  2. This Agreement is made in two originals, with each party holding one, and shall take effect upon signature and seal of both parties.
  3. Both parties acknowledge that either electronic signatures or physical signatures are valid.

Signatures

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

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