It is necessary to write a contract for personal loan arrears, and signing a contract is also the first step of commitment. The following is the "model of formal personal loan contract (5 general articles)" compiled by me for you, for reference only, and you are welcome to read it. Part one: the model of formal personal loan contract is general

Party A (borrower): _ _ _ _ _ _ _ _ _ _

ID number: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Party B (borrower) (borrower) (borrower) (borrower) (borrower) (borrower) (borrower) (borrower) (borrower) (borrower) (borrower) (borrower) (borrower

party b lends party a RMB (in words) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

loan interest: _ _ _ _ _ _ _ _ _ _ _ _

1. loan term:

repayment date: _ _ _ _ _ _ _ _ _. Payment method: cash/_ _ _ _ _ _ _ _.

Liability for breach of contract:

1. Liability for breach of contract of the borrower

(1) If the borrower fails to use the loan for the purposes stipulated in the contract, the lender has the right to recover part or all of the loan, and the default interest will be charged according to the interest rate stipulated by the bank.

(2) If the borrower fails to repay the loan within the time limit, the lender has the right to recover the loan and pay 1% of the daily interest from the due date.

(3) If the borrower uses the loan to cause losses and waste or uses the loan contract to engage in illegal activities, the lender shall recover the principal and interest of the loan, and the relevant units shall investigate the administrative and economic responsibilities of the person directly responsible. If the circumstances are serious, criminal responsibility shall be investigated by judicial organs.

2. Liabilities of the lender for breach of contract

(1) If the lender fails to provide the loan on schedule, it shall pay the borrower liquidated damages according to the amount of breach of contract and the number of days of delay. The calculation of the amount of liquidated damages is the same as the calculation of the penalty interest of the borrower.

(2) those who use the loan contract for illegal activities shall be investigated for administrative and economic responsibilities. If the circumstances are serious, criminal responsibility shall be investigated by judicial organs.

ii. dispute settlement:

both parties shall settle the dispute through consultation, and if no settlement can be reached, the dispute shall be submitted to the people's court of _ _ _ _ _ _.

this contract shall come into effect on _ _ _ _ _. This contract is made in duplicate, each party holds one copy, and the contract text has the same legal effect.

party a (signature and seal): _ _ _ _ _ _ _ _ party b (signature and seal with a copy of id card) : _ _________

Date of contract signing: _ _ _ _ _ _ _ _ Date of contract signing: _ _ _ _ _ _ _ _ _ _ _ _ Part II: Regular personal loan contract model

Type of payment: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Tel: _ _ _ _ _ _ _

Address: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Fax: _ _ _ _ _ _ _

Address: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _________

The borrower is the mortgagor (hereinafter referred to as Party A) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

The guarantor is the house-selling unit (hereinafter referred to as Party C) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ Party B agrees to issue the loan after examination. Party C is willing to provide a guarantee for Party A before the property right certificate of the mortgaged house is handed over to Party B for custody. In order to clarify their respective rights and obligations, Party A, Party B and Party C, in compliance with relevant laws and regulations, have reached this Contract through consultation, and both parties shall abide by it.

Article 1 Loan Amount

Party A borrows RMB (in words) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ from Party B.

Article 2 Purpose of loan

The loan borrowed by Party A is used for the purchase, construction, renovation and overhaul of the building located at Room _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ The latest personal loan contract model.

Article 3 Term of Loan

The term of the loan contract is from _ _ _ _ _ _ _ _ _ to _ _ _ _ _ _ _ _.

article 4 loan interest rate

the loan interest rate is determined as per the interest rate announced at the time of signing this contract, and the annual interest rate is _ _% (monthly interest rate _ _% #).

article 5 deposit self-raised funds

party a shall open a current savings account (savings card account) with party b after the signing of this contract, and deposit the self-paid funds for later use. If it is necessary to use Party A's own provident fund, members of the same household, non-household spouses and non-household blood relatives to offset the self-paid funds, it is necessary to provide the written consent of the parties concerned and submit it to Party B for transfer procedures. Party a has paid the self-raised funds to the selling unit for the first mortgage, and the deposit can be avoided with the receipt

Article 6 Loan disbursement

Party A, who purchases houses from the selling unit or private houses through the real estate trading market, hereby irrevocably authorizes Party B to transfer the loan amount together with the self-raised funds deposited into the bank account opened by the selling unit or the real estate trading market in the name of Party A's house purchase price within five business days from the date when the mortgage registration is recognized (confirmed by Party B).

if party a builds, rebuilds or overhauls the self-occupied house, when the self-raised funds are used up or will be used up after this contract comes into effect, party b will take the initiative to transfer the loan funds into the savings card account of current savings account opened by party a in party b) and spend them according to the progress of the project.

article 7 loan repayment

the loan principal and interest shall be repaid in equal monthly installments.

the loan will be repaid with principal and interest on a monthly basis from the month following the issuance. Calculate the monthly equal repayment of the loan principal and interest according to the calculation formula of equal repayment, and determine the monthly repayment amount by rounding to zero yuan, and finally collect the principal and interest.

(1) The monthly repayment amount of principal and interest in the first installment (when the contract is signed) is RMB (in words) _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

(2) The monthly repayment amount of principal and interest in the second and subsequent periods is calculated according to the loan interest rate of individual housing provident fund announced by the bank in that year, subject to the written notice of Party B, and the monthly repayment amount of principal and interest in installments is also changed.

if party a needs to use the provident fund of himself, members of the same household, non-resident spouse and lineal blood relatives to repay the principal and interest of the loan, it can do it once a year in _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

when the repayment by credit card fails due to Party A's reasons, Party A must take cash to the original loan handling bank for repayment.

party a will pay off the principal of the unexpired loan in advance, and party b will not charge the prepayment fee or refund the loan interest charged at the original contract interest rate. Part iii: template of formal personal loan contract

lender: _ _ _ _ _ _ _ _ _ _ borrower: _ _ _ _ _ _ _ _ ID card: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

article 1: loan amount, type and purpose: the lender agrees to issue loans to the borrower from _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. The type and purpose of the loan shall be subject to the loan receipt.

article 2: loan term: the loan term of each loan under this contract shall be subject to the loan receipt.

article 3: loan interest rate: the loan interest rate of this contract shall be agreed by the lender and the borrower according to the national interest rate policy at the time of the loan, and the specific loan receipt shall prevail.

article 4: repayment method: the interest payment method stipulated in this contract is to prepay the interest on a monthly basis, and overdue interest payment is regarded as a breach of contract. The principal will be returned in one lump sum when the loan term expires, and the interest will be paid off with the principal.

article 5: loan extension: if the borrower needs to extend the loan term, it shall apply to the lender in writing before the loan expires. With the consent of the Lender and the Guarantor, the Lender, the Borrower and the Guarantor shall separately sign an extended repayment agreement.

article 6: liability for breach of contract:

(1) the borrower's breach of contract and its liability for breach of contract:

1. if the loan principal (including extension) is not repaid on schedule, a penalty interest rate of _ _ _ _ _ _%/day will be charged at the overdue date.

2. If the loan interest is not paid on time, the compound interest will be calculated at the default interest rate.

3. if the loan is not used as agreed in the contract, a penalty interest rate of _ _ _ _ _ _% will be added to the misappropriated loan during the misappropriation period.

4. The borrower can repay the loan in advance; If the Lender repays the loan less than half a month in advance, it has the right to charge the borrower an additional 5 days' interest according to the actual number of days at the interest rate agreed in this Contract.

5. The borrower takes back the unexpired loan in advance under any of the following circumstances:

(1) Failing to repay the loan principal or interest on schedule or repaying the loan principal and interest according to the repayment method specified in the loan receipt;

(2) Failing to use the loan according to the agreed loan purpose;

(3) Not accepting or cooperating with the lender's inquiry or supervision on the loan usage;

(4) Failing to pay off other debts due to the Lender on time or failing to pay off debts due to any other financial institution or a third party on time.

(5) participating in major gambling, drug abuse and other illegal acts;

(6) other situations that seriously affect the ability to repay loans or lose credit occur.

6. the guarantee provided by the borrower shall maintain its due guarantee credit capacity before the lender's rights under this contract are extinguished. If the property guarantee loses its guarantee function or the guarantor has one of the same or similar situations in Article 6 (1)-5 of this contract, the lender has the right to recover the unexpired loan in advance.

(II) Lender's breach of contract and its liability for breach of contract: If the lender fails to provide loans to the borrower as agreed, it shall bear the following liabilities to the borrower:

1. Pay the borrower liquidated damages at the overdue penalty interest rate;

2. compensate the borrower for the direct losses that exceed the liquidated damages; (Indirect losses and available benefits are not covered by compensation)

Article 7: Performance of the contract: The borrower shall provide at least two accounts, and when the lender transfers the loan into one of these accounts, it shall be deemed that the lender has fulfilled its obligation to issue loans.

article 8: establishment and effectiveness of the contract:

1. this contract shall be established as of the date of signature (seal) by both parties.

2. The borrower shall provide appropriate guarantee for the creditor's rights. If the borrower fails to provide suitable mortgage guarantee for the creditor's rights of the lender within 3 days after the establishment of this contract, the lender has the right to terminate this contract.

party a: _ _ _ _ _ _ _ _ _ _ _ _ _ _

date: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

party b: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. ID number:

Party B: (Lender) ID number:

Party C: (Guarantor) Business license number:

Party A, Party B and Party C have reached an agreement on the following matters through voluntary equality, mutual benefit and full consultation, and signed this contract.

1. Specific agreement

(1) Loan amount and term: RMB (in words) 1, yuan, loan term. The date and amount of the loan shall be subject to the receipt.

(ii) purpose of loan: it is mainly used for short-term working capital, and Party A shall use the loan legally and shall not use it for illegal activities.

(3) Loan interest rate: monthly ‰.

(4) repayment method: the principal will be repaid in one lump sum when the loan is due, and the interest will be paid off at the time of borrowing.

ii. terms of guarantee

(1) for the loan agreed in this contract, party c, as the guarantor, shall bear joint and several liability for the loan of party a under this contract.

(II) Scope of the Guarantor's guarantee:

1. Within three days from the expiration of the loan term, the Guarantor will repay the principal and additional interest of Party B's due funds on behalf of Party A;

2. the penalty interest of the funds under this contract;

3. liquidated damages, compensation and compensation;

4. expenses paid by the lender to realize the creditor's rights (including but not limited to legal fees, attorney fees, execution fees, preservation fees, announcement fees, travel expenses, etc.).

5. The guarantee period of the guarantor's guarantee responsibility is from the effective date of this contract to two years from the expiration of the debt performance period under this contract;

6. The guarantor shall not sell his fixed assets such as land, real estate and automobiles during the effective period of the loan contract; Shall not change, sell or reduce its own equity. Special circumstances shall be agreed by Party B in writing;

7. All obligations of the Guarantor under this Contract are continuous and fully binding on its legal successors.

iii. Liability for breach of contract

(1) One of the following circumstances constitutes a breach of contract:

1. Party A changes the purpose of the loan;

2. Party A violates the loan contract and fails to repay the principal and interest of the loan within the time limit or according to the agreed amount;

3. The documents such as certificates and materials provided by Party A are false and illegal.