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What agreement can I write to lend someone a credit card to ensure my own safety?
1. What agreement can I write to ensure my own safety when lending someone a credit card?

You make a loan agreement, which is limited to the credit limit, but it is still not recommended that you lend your card to others. After all, banks are not allowed!

Second, how to distinguish between credit cards and financial loan contracts?

Both are essential.

Credit card cases generally belong to jail, but if you believe that you have the ability to fulfill your debts, but refuse to do so, you can be fined and detained according to the seriousness of the case; If it constitutes a crime, it shall be investigated for punishment according to law.

A financial loan contract refers to a loan contract signed by a financial institution as a borrower and a non-financial institution.

3. When making a loan, can the bank find out how much the credit card owes?

Yes, because they are all networked now, you only need an ID card to check all your credit information in the credit information system. As long as you pay back on time, as long as it is not overdue, every bill will be paid back on time. Then don't worry about anything.

If it belongs to the arrears before the bill comes out, then this arrears will not affect your credit information, so the arrears during this period will not have any impact on your loan.

Expand knowledge:

When applying for a loan, the bank could not find the bank's non-bank debt. For example, if a credit card has an overdue record or a bad debt record, the bank can only look it up in the credit information system.

Information that an individual needs to provide when applying for a bank loan:

(1) loan application;

(2) The original and photocopy of the husband and wife's ID card (personal ID card), household registration book and marriage certificate;

(3) The co-owner of the property agrees to the loan;

(4) husband and wife occupation (personal occupation), income certificate, family property status (work certificate, bank account, property certificate, vehicle driving license, etc.) and other information. );

⑤ Certificate of fixed place (real estate license and water, electricity, gas and other documents in the last three months); ⑥ Loan contract.

Four or five credit card loan contracts

Credit card loan contract (choose 5 articles)

Loans between natural persons are regarded as interest-free, so do you know what the current contract is like? I am here to share some credit card loan contracts with you, hoping to help you, thank you!

Credit card loan contract (selected text 1)

Party A (Lender):

ID number:

Address:

Party B (Borrower):

ID number:

Address:

1. Party A and Party B reach an agreement on the following matters and sign this contract.

Purpose of the loan _ _ _ _ _ _ _ _ _ To engage in self-employment, a sum of money is urgently needed.

Second, the loan amount and repayment time,

Borrow RMB one thousand Yuan only (in words). Party A shall pay off before June 20, 2006+10/October 20. For the overdue part, the lender has the right to recover the loan within a time limit.

Third, the loan term.

The loan term is years, starting from.

Fourth, the repayment method

Party A shall voluntarily repay the arrears and interest to Party A within the time specified in this Agreement. After Party B pays off all the due funds agreed in this agreement, Party A will hand over the IOUs to Party B after receiving the repayment.

Verb (abbreviation of verb) loan interest method

From the date when the loan is used, interest and compound interest will be calculated according to the actual amount used, and the loan will be repaid in five repayment methods within the loan period stipulated in the contract. The method is as follows:

1, respectively, according to four stages, the repayment is 6000 in the first quarter, 6000 in the second quarter, 6000 in the third quarter and 6000 in the fourth quarter.

2. The fifth repayment amount is 100000 Yuan only (in words).

Rights and obligations of intransitive verbs

Lenders have the right to supervise the use of loans and understand the borrower's solvency, and the borrower shall truthfully provide relevant information. If the borrower fails to use the loan as stipulated in the contract, the lender has the right to recover part of the loan, and collect the default interest according to the regulations of the bank. (If the lender repays the loan in advance, the interest will be reduced according to the regulations. )

Seven. warranty clause

1. If the borrower voluntarily uses _ _ _ _ _ _ _ _ _ as collateral and fails to repay the lender's loan at maturity, the lender has the right to dispose of the collateral. If the borrower repays the loan in full when it is due, the mortgage right will be extinguished.

2. The borrower must use the loan according to the purpose stipulated in the loan contract, and shall not use it for other purposes, and shall not use the loan for illegal activities.

The borrower must repay the principal and interest within the time limit stipulated in the contract.

4. When a guarantor is needed, the guarantor has the right to recover from the borrower after performing joint and several liabilities, and the borrower has the obligation to repay the guarantor.

Eight. Execution terms and repayment time

1. Party A and Party B jointly confirm that this agreement has been given enforcement effect according to relevant laws. After careful consideration, both parties agree that this agreement is enforceable after signing.

2. The maturity date of this loan is _ _ _ _ _ _ _ _ _ _ _, and Party B is willing to accept the compulsory execution by the people's court.

Nine. Solutions to contract disputes

Disputes arising from the performance of this contract shall be settled by both parties through friendly negotiation or mediated by a third party. If negotiation or mediation fails, either party may bring a lawsuit to the people's court of the lender's domicile according to law.

X this contract shall come into effect as of the date of signature by both parties. This contract is made in duplicate, with each party holding one copy. Each copy has the same legal effect.

XI。 If there is no agreement in this contract, it shall be implemented in accordance with the relevant provisions of the Contract Law of People's Republic of China (PRC).

Party A (official seal): _ _ _ _ Party B (official seal): _ _ _ _ _

Legal representative (signature): _ _ _ _ _ Legal representative (signature): _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Credit Card Loan Contract (Selected Part 2)

Borrower: _ _ _ _ _ _

Certificate name and number: _ _ _ _ _ _

Lender: _ _ _ _ _ _ _

Through friendly negotiation between the borrower and the lender, the following amendment agreement is reached on the relevant clauses of the Individual Housing Loan Contract (hereinafter referred to as the Contract) signed by both parties on.

1. The floating ratio of the loan interest rate under this contract on the benchmark interest rate is (up/down) _ _ _ _ _% (up/down) _ _ _ _ _ _%. The interest rate shall be adjusted once every interest rate adjustment date agreed in this contract, and the adjustment time shall be _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

2. If the borrower fails to use the loan according to the purpose agreed in this contract, the penalty interest rate will be% higher than the loan interest rate implemented after this supplementary agreement comes into effect. If the loan interest rate is adjusted according to Article 1 of this Supplementary Agreement, the penalty interest rate shall be adjusted accordingly according to the adjusted loan interest rate and the above floating range.

3. For loans overdue under this Contract, the penalty interest rate is _ _ _ _% higher than the loan interest rate implemented after this Supplementary Agreement comes into effect. If the loan interest rate is adjusted according to Article 1 of this Supplementary Agreement, the penalty interest rate shall be adjusted accordingly according to the adjusted loan interest rate and the above floating range. The overdue loan in this contract refers to the borrower's failure to repay any loan principal and interest in full before the time limit agreed in this contract.

4. The benchmark interest rate mentioned in this contract refers to the loan interest rate of the same grade in the same period promulgated and implemented by the People's Bank of China; If the People's Bank of China no longer announces the loan interest rate of the same grade in the same period, the benchmark interest rate shall refer to the loan interest rate of the same grade in the same period recognized by the bank; If there is no loan interest rate recognized by the Bank, the benchmark interest rate shall refer to the loan interest rate of the same grade in the same period published by the lender, unless otherwise agreed by both parties. The benchmark interest rate referred to in this Supplementary Agreement is determined according to the benchmark interest rate on the effective date of this Supplementary Agreement; The loan interest rate or penalty interest rate under this Contract shall be implemented according to this Supplementary Agreement.

Article 1 When an adjustment is agreed, the benchmark interest rate shall be determined according to the benchmark interest rate on the date of interest rate adjustment.

5. The interest rate adjustment date of the loan under this contract is 1+0 per year.

6. If, according to the new interest rate policy adjusted by the People's Bank of China, the commercial bank can decide the applicable standard of the loan interest rate within a certain range, the lender has the right to choose a certain interest rate standard to apply to this contract within the specified range, and the borrower agrees to abide by this standard and perform its obligations according to this standard. That is, after the signing of this Supplementary Agreement, if the People's Bank of China reduces the downward fluctuation range of the commercial personal housing loan interest rate, the minimum downward fluctuation range of the personal housing loan interest rate that the lender can execute is lower than the downward fluctuation range agreed in this Supplementary Agreement, and the lender has the right to adjust the downward fluctuation range agreed in this Supplementary Agreement at any time without obtaining the written consent of the borrower.

Special note on interest rate risk: Before signing this supplementary agreement, the borrower has fully understood that the People's Bank of China may raise the benchmark interest rate of loans or reduce the downward fluctuation of individual housing loan interest rates, thus increasing the risk of the borrower's interest burden.

This Supplementary Agreement shall come into effect after being signed by the Borrower, signed (or sealed) by the responsible person or authorized agent of the Lender and stamped with the official seal (or special seal for contract). Matters not covered in this agreement shall still be executed according to the original contract, and this agreement is made in duplicate, with the same legal effect.

Borrower (signature): _ _ _ _ _

Lender (official seal or special seal for contract): _ _ _ _ _ _

Person in charge or authorized agent (signature or seal): _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Credit Card Loan Contract (Selected Part 3)

Lender: _ _ _ _ _ _ _

Borrower: _ _ _ _ _ _

In witness whereof, the Borrower borrows money from the Lender due to the development of the company's economic business, and this Contract is specially concluded through negotiation between both parties.

Article 1 Purpose of loan:

The loan in this contract is used for the company's business activities.

Article 2 Loan amount:

RMB _ _ _ _ _ _ ten thousand Yuan only (RMB only).

Article 3 Loan interest:

It adopts the form of fixed interest, which does not change with the national interest rate, and the annual interest rate is 6%.

Article 4 Term of loan and repayment:

1. The loan term is _ _ _ _ _ _ years, counting from _ _ _ _ _ _. The Lender will transfer the money to the company account provided by the Borrower in one lump sum before _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

2. Repayment time and amount: the borrower's repayment time is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

3. If the borrower fails to pay the current payment within the agreed time, the interest shall be calculated on a daily basis. If the repayment date exceeds 30 days, the liquidated damages shall be paid at 10% of the current repayment amount.

Article 5 Repayment:

Book amount of fund company.

Article 6 Rights and obligations of both borrowers and lenders:

(1) Obligations of the Borrower

1. The borrower must use the loan for the purposes specified in the loan contract, and shall not use it for other purposes or engage in illegal activities.

2. The borrower shall repay the loan principal and interest within the time limit agreed in this contract.

(2) Lender's obligations

The lender shall pay the borrower in full and on time.

Article 7 Liability for breach of contract:

1. After this agreement is formally signed, any party's failure or incomplete performance of the agreed terms of this agreement will constitute a breach of contract. The breaching party shall be responsible for compensating all economic losses caused to the observant party by its breach of contract.

2. If either party violates this Agreement, the observant party has the right to require the defaulting party to continue to perform this Agreement.

Article 8 Modification or dissolution of the agreement:

1. If the borrower needs to extend the loan term, it shall apply to the lender for approval within 30 days before the loan maturity date.

2. If the lender unilaterally terminates the agreement and recovers the principal in advance, it shall notify the borrower 30 days in advance, and the borrower will only repay the principal without paying interest.

3. When the contract cannot be performed due to an accident of force majeure, the company shall carry out liquidation. The borrower may apply to the lender, modify or terminate the contract, and be exempted from the liability for breach of contract.

4. Changes to this agreement must be negotiated by both parties, and a written change agreement must be signed.

Article 9 Contract settlement method:

Any dispute arising from the execution of this contract shall be settled by both parties through consultation. If negotiation fails, either party has the right to bring a lawsuit to the people's court where the company is registered.

Article 10 Others:

If there are any matters not covered in this contract, both parties shall formulate written supplementary terms through consultation, which have the same effect as this contract.

The original of this contract is in duplicate, each party holds one copy, and both copies have the same legal effect.

Borrower (official seal): _ _ _ _ _ _ _ _ _ _ _ Lender (signature or seal): _ _ _ _ _ _ _ _ _ _ _

ID number: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Date of signing: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

Credit card loan contract (select 4 items)

Party A (Lender): _ _ _ _ _ _ _ _ _ _ _ _ _

ID number: _ _ _ _ _ _ _ _

Party B (the borrower): _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

ID number: _ _ _ _ _ _ _ _

In order to clarify the responsibilities and abide by the credit, both parties reached an agreement through consultation and signed this contract on a voluntary basis for mutual compliance.

I. Loan amount (in words):

Renminbi (RMB)

Second, the purpose of the loan:

The borrower is in urgent need of some money.

Third, the loan interest rate:

Earn interest annually, and the profit will be paid off with the principal.

IV. Term of the loan:

The term of the loan is from year month to year month.

Verb (abbreviation of verb) repayment date and method:

Repayment method:

Liability for breach of contract of intransitive verbs:

The borrower shall repay the loan at the time stipulated in the contract. If the borrower fails to repay the loan on time, the lender has the right to recover the loan within a time limit and collect overdue interest at the interest rate of% agreed in this contract.

Seven. Dispute resolution method:

If negotiation fails, it can be submitted to the local people of Party A..

Eight, other terms:

1. Without the consent of both parties, neither party may change or terminate the contract without authorization. If one party requests to modify or terminate the contract, it shall notify the other party within days and reach a written agreement. After the modification or dissolution of this contract, the loan occupied by the borrower and the interest payable shall still be paid according to the provisions of this contract.

2. This contract will take effect immediately after being signed by all parties, and will automatically become invalid after all the loan principal and interest are paid off.

3. The original of this contract is in duplicate, one for the borrower and one for the lender, with the same legal effect.

Party A (official seal):

Legal representative (signature):

_ _ _ _ _ _ _ _ _ _ _ _ _

Party B (official seal):

Legal representative (signature):

_ _ _ _ _ _ _ _ _ _ _ _ _

Credit card loan contract (select 5 items)

Party A (Borrower): _ _ _ ID number: _ _ _

Party B (Lender): _ _ _ ID number: _ _ _ _

Party C (guarantor): _ _ _ ID number: _ _ _

Party A and Party B reach an agreement on the following matters and sign this contract:

The first specific agreement:

(1) Party B lends Party A RMB (in words)

(II) Loans under this Contract

(3) The monthly interest rate of the loan under this contract is _ _% higher than the national interest rate, and _ _% higher than the new regulations if the national interest rate is adjusted.

(4) The term of this contract is _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

(V) The repayment method selected by Party A is:

(VI) The loan guarantee method under this Contract is individual unlimited joint guarantee (see Article 2 guarantee clauses).

(VII) This contract shall come into effect as of the date of signing, and shall be made in quadruplicate, one for Party A, Party B and Party C respectively, and one for the notary office. The contract text has legal effect.

Article 2: Warranty clause:

(1) The guarantee mode of this contract is joint and several liability guarantee.

(2) The guarantee scope of the guarantor.

1. Loan principal and default interest (including compound interest) under this Contract.

2, liquidated damages, compensation, compensation.

(3) The guarantee period of the guarantor's guarantee liability is two years from the effective date of this contract to the expiration of the debt performance period under this contract.

Article 3: Liability for breach of contract

One of the following circumstances constitutes a breach of contract

(1) Party A changes the purpose of the loan.

(2) Party A violates the agreement in this Contract and fails to repay the loan principal and interest within the agreed period or amount.

(3) Other behaviors that Party A or the guarantor may affect the repayment of the loan to Party B. ..

2. In case of breach of contract, Party B has the right to take one or more of the following measures.

(a) according to the provisions of the people's Bank of China default interest and compound interest.

(2) Require Party A to immediately repay part or all of the loan in advance, or dispose of the collateral under this contract to pay off all the loan and interest according to the contract law procedure, or require the guarantor to perform the guarantee responsibility.

(3) Measures permitted by other laws.

Article 4: Resolutions

Any dispute arising from the performance of this contract shall be settled by all parties through consultation.

Party A (signature): _ _ _ Account number: _ _ _ Tel: _ _ _ Tel

Party B (signature): _ _ _ Account number: _ _ _ Tel: _ _ _ Tel

Party C (signature): _ _ _ Account number: _ _ _ Tel: _ _ _ Tel

Date of contract signing: _ _ _ _ _ _ _