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合法的借条范文参考借条作为一种借款合同,反映了当事人的债权债务关系,具有法律效力你知道合法的借条该怎么写吗?下面就让小编带大家看看一系列的合法的借条望大家采纳合法的借条范文篇一贷款人(出借人)借款人法定住所及邮编实际经营场所及邮编法定代表人电话及传真手机担保人法定住址及邮编实际住址及邮编办公电话家庭电话手机今有借款人向贷款人借款元,应于年月日归还,届时一并支付利息元贷款人:借款人(签名并盖章)担保人时间年月日合法的借条范文篇二兹因近来手头不便,而向借金额,共得款项人民币元整预计在—年—月—日前如期归还期间每个月利息人民币元整,需於每个月初支付不得有误以上唯恐口说无凭,特立此借条为证立据出借人身分证字号1联系地址___________电话________立据借款人身分证字号联系地址___________电话________见证人身分证字号联系地址电话__________保证人身分证字号联系地址电话_________年月日XXXX XXXX合法的借条范文篇三借款人borrower贷款人lender抵押人mortgagor保证人surety出质人pledgeor为明确各方权利和义务,根据《合同法》、《贷款通则》和其他有关法律、法规,订立本合同this contractis madein linewith thecontract lawof the peoplesrepublic ofchina andthe generalprovisions of loans ofthepeoplesbankof chinato specifythe rightsand obligationsof partiesinvolved.借贷条款loan borrowingclause第一条借款金额见
36.1article
1.amount of loanrefer to
36.1第二条借款用途见
36.2article
2.purpose ofloanrefer to
36.2第三条借款期限article
3.life ofloan
3.1见
36.
3.
4.1refer to
36.
33.2借据或贷款凭证是本合同不可分割的组成部分借款的实际放款日和还款日以借款人、贷款人双方办理的借据或凭证上所记载的日期为准除日期外,借据或凭证其他记载事项如与本合同不一致的,以本合同为准
3.2a certificate of indebtedness or aloan voucheris anintegralpart ofthis contract,the date of advanceand paymentdue dateshall followthedate specifiedon thecertificateof indebtednessor loan voucher.where thereis anyinconsistency betweenthe stipulationson thecertificateofindebtednessorloanvoucher andthe termsand conditionsonthis contractexcept date,the lattershall prevail.第四条借款划付在借款人办妥借款手续后5个营业日内将全部款项划至借款人指定的账户,划付次数、时间、金额见
36.
4.第五条article4transferring ofloan,the fullamount ofloan shallbetransferred toan accountdesignated bythe borrowerwithin5working daysfrom thedateofcompleting borrowingprocedure,refer to
36.4for thefrequency,time andamount oftransferring第五条借款利率和计息article
5.interest rateofloanand calculation
5.1借款利率本合同项下借款利率根据国家有关规定,确定利率见
365.遇利率调整时,借款期限在1年(含)以下的,执行合同利率,不分段计息;借款期限在1年以上的,实行分段计息,从利率调整的次年1月1日开始,按相应利率的档次执行新的利率;如借款人未按约定时间归还借款本息或未按合同约定用途使用借款,贷款人将按国家规定对借款人计收罚息、,罚息率见
36.
6.
5.1interest rateofloanthe interest rate underthis contractisspecified in
36.5in linewith relevantrules,in caseof changeofinterest rate,the interestrate stipulatedin thecontract shallprevailfor loanswith alife ofless thanor equalto oneyear;for loanswitha lifeexceeding oneyear,the interestshall becalculated onamulti-stage basis,i.e.from nextJan.1st followingthe adjustmentofinterest rate,the newrate shallprevail,in casethe borrowerfails torepaythe principaland interestbefore thedue date,or failsto usetheloan forpurposesas agreedin thiscontract,the lendershall beentitled tocollect defaultinterestin linewith relevantrules,the defaultinterestrateisspecified in
36.
6.
5.2遇利率调整时,实行分段计息的,贷款人有权根据国家有关规定自行调整,不另行通知借款人
5.2in caseof calculatinginterest onmulti-stage basisdue toadjustmentof interestrate,the lendershall beentitled toadjust theinterestrate onhis ownwithout furthernotice tothe borrower.第六条还款方式article6type ofrepayment ofloan
6.1借款人应在贷款人开设帐户,户名和帐号见
36.7,并保证在每次还款日前足额存入当期应还款项的存款借款人在此授权贷款人从借款人该帐户中扣收借款本金、利息和可能发生的复利、罚息、违约金、保费、损害赔偿金及实现债权的费用(含律师费和诉讼费)如该帐户资产不足以归还到期的贷款本息,贷款人有权从借款人在中国工商银行任何分支机构开立的任何帐户划收。