借款人：

:

貸款人：

:

抵押人：

:

保證人：

:

出質(zhì)人：

:

為明確各方權(quán)利和義務(wù)，根據(jù)《合同法》、《貸款通則》和其他有關(guān)法律、法規(guī)，訂立本合同。

this is made in line with the law of the 's of and the of of the 's bank of to the and of .

借 貸 條 款

loan

第一條 借款金額。見36.1

1. of loan: to 36.1

第二條 借款用途。見36.2

2. of loan: to 36.2

第三條 借款期限。

3. life of loan

3.1見36.3。

3.1 to 36.3

3.2借據(jù)或貸款憑證是本合同不可分割的組成部分。借款的實際放款日和還款日以借款

人、貸款人雙方辦理的借據(jù)或憑證上所記載的日期為準(zhǔn)。除日期外，借據(jù)或憑證其他記載事項

如與本合同不一致的，以本合同為準(zhǔn)。

3.2 a of or a loan is an part of this . the date of and due date the date on the of or loan . is any the on the of or loan and the and on this date, the .

第四條 借款劃付。在借款人辦妥借款手續(xù)后5個營業(yè)日內(nèi)將全部款項劃至借款人指定的賬戶，劃付次數(shù)、時間、金額見 36.4 。

第五條 4 of loan. the full of loan be to an by the 5 days from the date of . to 36.4 for the , time and of

第五條 借款利率和計息。

5. rate of loan and

5.1借款利率。本合同項下借款利率根據(jù)國家有關(guān)規(guī)定，確定利率見—36—.5 。遇利率調(diào)整時，借款期限在1年(含)以下的，執(zhí)行合同利率，不分段計息;借款期限在1年以上的，實行分段計息，從利率調(diào)整的次年1月1日開始，按相應(yīng)利率的檔次執(zhí)行新的利率;如借款人未按約定時間歸還借款本息或未按合同約定用途使用借款，貸款人將按國家規(guī)定對借款人計收罰息，罰息率見36.6。

5.1 rate of loan: the rate this is in 36.5 in line with . in case of of rate, the rate in the for with a life of less than or to one year; for with a life one year, the be on a - , i.e. from next jan. 1st the of rate, the new rate . in case the to the and the due date, or to use the loan for as in this , the be to in line with . the rate is in 36.6.