LOAN AGREEMENT
between
THE EUROPEAN COMMUNITY
as Lender
and
THE REPUBLIC OF LATVIA
as Borrower
THE BANK OF LATVIA
as Agent to the Borrower EUR 3 100 000 000
_____ January 2009
This Loan Agreement (the "Agreement") is made by and between
the European Community (hereinafter referred to as the "EC" or the "Lender"), represented by the Commission of the European Communities (hereinafter referred to as the "Commission"),
and
the Republic of Latvia (hereinafter referred to as "Latvia" or the "Borrower"), represented by the Minister of Finance, Mr Atis Slakteris,
and
the Bank of Latvia acting as Agent on behalf of the Borrower (hereinafter referred to as the "Borrower's Agent"), represented by the Governor of the Bank of Latvia, Mr I lmārs Rim?ēvi?s.
Preamble
Whereas:
(1)Council Regulation (EC) No 332/2002 of 18 February 2002 establishing a
facility providing medium-term financial assistance for Member States' balances of payments (OJ L 53, 23.2.2002, p. 1) empowered the Commission on behalf of the EC to contract borrowings on the capital markets or with financial institutions with the aim to grant loans to one or more Member States which are experiencing, or threatened with, difficulties in their balance of current payments or capital movements;
(2)Latvia has requested medium-term financial assistance;
(3)The Council, by its Decision 5255/09 of 20 January 2009 (hereinafter referred
to as the "Decision") decided to grant Latvia under Regulation (EC) No 332/2002 a loan amounting to a maximum of EUR 3 100 000 000 with a maximum average maturity of seven years. The loan shall be made available in maximum six instalments;
(4)The loan is granted in conjunction with a loan from the International Monetary
Fund of SDR 1.5 billion (around EUR 1.7 billion) under a Stand-by arrangement approved on 23 December 2008. In addition, the Nordic countries (Sweden, Denmark, Finland, Norway and Estonia) are to contribute EUR 1.9 billion together, the World Bank EUR 0.4 billion, the European Bank for Reconstruction and Development, the Czech Republic and Poland a total of EUR 0.4 billion, bringing the total assistance to EUR 7.5 billion over the period to the first quarter of 2011;
(5)The loan is linked to economic policy measures designed to support Latvia's
balance of payments sustainability as determined in Articles 2 and 3 of the Decision;
(6)The economic policy conditions to be respected by Latvia are laid down in the
Memorandum of Understanding signed on ___ January 2009 between the Commission and Latvia and the Bank of Latvia and in subsequent (Supplemental) Memoranda of Understanding, if any (hereinafter referred to collectively as "Memorandum of Understanding");
(7)The first instalment shall be released subject to the entry into force of the
Memorandum of Understanding and this Loan Agreement, as well as based on the Latvian authorities' economic stabilisation programme ("Economic stabilisation and growth revival programme") and amended budget for 2009, both adopted by the Latvian Parliament on 12 December 2008;
(8)The release of instalments subsequent to the first one is conditional upon the
Commission deciding favourably, after consultation with the Economic and Financial Committee, on the basis of the findings of its verification that the economic policy of Latvia accords with the adjustment or back-up programme or any other conditions laid down by the Council or in the Memorandum of Understanding;
(9)The Commission will launch in due course, on behalf of the EC and after
written agreement by the Borrower on the main terms as set out hereinafter, bond issues or any other appropriate financial transactions for the principal amount in Tranches, the proceeds of which shall be on-lent to the Borrower;
(10)The contracts relating to the bond issue or to any other appropriate financial
transaction, including a possible interest rate swap, will constitute an integral part of this Agreement as provided hereinafter;
(11)The European Central Bank shall be acting as an agent to the Lender
(hereinafter referred to as the "Lender's Agent");
(12)Appropriate measures related to the prevention of, and the fight against fraud,
corruption and other irregularities affecting the assistance shall be provided for by the authorities of the Borrower;
(13)The Commission, including the Anti-Fraud Office, shall have the right to
perform on-the-spot checks and inspections, and the Court of Auditors the right to carry out audits, where appropriate, on the spot.
Now, therefore, the parties hereto have agreed as follows:
Article 1 – Loan Amount
1. The Lender will make available to the Borrower a loan of a total principal amount
of up to EUR 3 100 000 000 (three billion, one hundred million) in maximum six instalments (each hereinafter referred to as “Instalment”, collectively all such Instalments hereinafter referred to as the "Loan"), subject to the terms and conditions defined in the Decision, in the Memorandum of Understanding and in this Agreement.
2. The principal amount of the first Instalment amounts to EUR 1 000 000 000 (one
billion). The principal amount of any subsequent Instalment shall be laid down in the Memorandum of Understanding in accordance with Article 3 of the Decision.
3. An Instalment may consist of one or several tranches (hereinafter referred to as
“Tranche (s)”).
Article 2 – Maturity
1. The Average Maturity of the Loan shall not exceed seven years. It is calculated
on the basis of the Disbursement Dates of the respective Tranches using the formulae indicated in paragraph 3.
2. The Average Maturity of the Tranches of an Instalment shall be set so that the
Average Maturity of the Loan shall be, at any moment, in line with paragraph 1.
3. In order to calculate the Average Maturities referred to in paragraphs 1 and 2, the
following formulae will be used:
Average Maturity of a Tranche is the period of time between the Disbursement Date of the respective Tranche and the weighted average of its capital reimbursements. If R 1, R 2... R n are the capital reimbursements at times t 1, t 2, ... t n from the Disbursement Date, the Average Maturity of the Tranche equals n
n n R R R t R t R t R ++++++ (212211)
Average Maturity of the Loan is the weighted average of the Average Maturity of the Tranches which constitute the Loan at any moment. If M 1, M 2, ... M m is the Average Maturity of Tranches which amounted to A 1, A 2 ... A m then the Average Maturity of the Loan equals m
m m A A A A M A M A M ++++++ (212211)
Article 3 – Drawdown, Net Disbursement Amount and Conditions Precedent
1. Once the Lender has decided to release an Instalment in accordance with the
Decision and the Memorandum of Understanding, the Borrower may request to the Lender in writing in the form of Annex 1 an Instalment or a Tranche of it, if the Instalment consists of more than one Tranches, and shall propose and pre-accept, after consultation of the Lender, the size, maturity, maximum interest rate and whether fixed or variable, minimum net proceeds and other characteristics of it, acceptable to the Borrower (hereinafter the "Request for Funds "). The reference to a Tranche in this Agreement shall be understood to mean an Instalment if the latter consists of only one Tranche.
2. Within the characteristics requested by the Borrower in the Request for Funds,
the Lender shall transmit to the Borrower a notice in the form of Annex 2 setting out the main financial terms of the requested Tranche (hereinafter the “Acceptance Notice ”). Once the Lender has served an Acceptance Notice relating to the Request for Funds, there shall, from the moment such Acceptance
Notice is served, be a binding contract between the Lender and the Borrower.
Nevertheless, the Lender's obligation to make a Tranche available shall be conditional upon it obtaining the corresponding funds from the international capital markets. The Lender shall launch, on behalf of the EC, a bond issue or any other appropriate financial transaction for the funding of the amount of the Tranche (the “Financial Transaction”).
3. Once the Financial Transaction is executed, the Request for Funds, the
Acceptance Notice and copies of the contracts(s) relating to each Financial Transaction (hereinafter referred to as the “Borrowing Contracts”), shall constitute a finance contract (hereinafter referred to as the “Finance Contract”) between the Lender and the Borrower and form an integral part of this Agreement.
4. The net proceeds of the Tranche shall be equal to the proceeds of the Financial
Transaction less the aggregate amount of the commissions and costs related to such Financial Transaction and to the preparation and execution of the Financial Transaction. In addition, costs referred to in Article 7, paragraph 6, shall also be deducted from the net proceeds, resulting to the amount to be disbursed to the Borrower (hereinafter referred to as the "Net Disbursement Amount").
5. The Net Disbursement Amount of the Tranche shall be transferred by the
Lender's Agent on the date when received (the "Disbursement Date") to the euro account of the Borrower's Agent in TARGET2, TARGET2 participant's SWIFT-BIC: LACBLV2X, TARGET2 account holder SWIFT-BIC: LACBLV2X, Ref.: "EC Balance of Payments Assistance to Latvia", or to such other euro-account as the Borrower's Agent shall advise in writing to the Lender's Agent with a copy addressed to the Borrower at the latest two Working Days prior to the Disbursement Date.
6. The Lender's obligation to transfer the Net Disbursement Amount to the
Borrower with respect to the first Tranche of the first Instalment shall be subject to:
(1) the Lender having received a legal opinion satisfactory to the Lender
given by the Minister of Justice of the Borrower, in the form set out in
Annex 3.
Such legal opinion shall be dated not later than the date of the Request for
Funds.
The Borrower undertakes to inform the Lender immediately if, between
the date of the legal opinion and the Disbursement Date, any event occurs
that would render incorrect any statement made in the legal opinion;
(2) the Lender having received from the Minister of Finance of the Borrower
an official document indicating the persons authorised to sign the
Requests for Funds and thus validly commit the Borrower in the Finance
Contracts and containing the specimen signatures of these persons;
(3) the Lender on the one hand and a bank or a syndicate of banks on the
other hand having signed the Borrowing Contracts and the Lender's Agent
having received on the Disbursement Date the net proceeds of the
Financial Transaction from said bank or syndicate of banks;
(4) no material adverse change having occurred such as would, in the opinion
of the Lender, after consultation with the Borrower, be likely to prejudice
materially the ability of the Borrower to fulfil its payment obligations
under this Agreement, i.e. to service the Tranche to be funded and to
repay the Tranche.
7. The Lender's obligation to transfer the Net Disbursement Amount of any
subsequent Tranche to the Borrower shall be subject to:
(1) the Borrower undertaking to inform the Lender immediately if any event
occurs that would render incorrect any statement made in the legal
opinion received by the Lender under paragraph 6(1) of this Article;
(2) the Lender on the one hand and a bank or a syndicate of banks on the
other hand having signed the Borrowing Contracts and the Lender's Agent
having received on the Disbursement Date the net proceeds of the
Financial Transaction from said bank or syndicate of banks;
(3) no material adverse change having occurred such as would, in the opinion
of the Lender, after consultation with the Borrower, be likely to prejudice
materially the ability of the Borrower to fulfil its payment obligations
under this Agreement, i.e. to service the Tranche to be funded and to
repay the Tranche.
8. The disbursement of a Tranche shall under no circumstances commit any of the
parties to proceed with the lending and borrowing of any further Tranche. The Borrower shall request any further Tranche from the Lender in accordance with this Article. The Lender will then launch the procedure set out in this Article.
9. The Borrower's right to request any Tranche under this Agreement expires on
20 January 2012.
Article 4 – Undertakings
1. Each Tranche of the Loan shall constitute an unsecured, direct, unconditional and
general obligation of the Borrower and will rank at least pari passu with all other present and future unsecured loans and obligations of the Borrower arising from its present or future external indebtedness as defined in Article 8, paragraph 1(f).
2. The Borrower undertakes, until such time as all principal under this Loan
Agreement has been fully reimbursed and all interest and additional amounts, if any, under this Loan Agreement have been fully paid, with the exception of those encumbrances enumerated under paragraph 4 of this Article, not to secure by
mortgage, pledge or any other encumbrance upon its own assets or revenues any present or future external indebtedness and any guarantee or indemnity given in respect thereof, unless the Loan at the same time shares pari passu and pro rata in such security.
3. The Borrower undertakes not to ask for the rescheduling of the Loan or any debt
relief with respect to the Loan and recognises that the Lender shall have the identical legal capacity, immunities and privileges as accorded to international financial institutions. The Borrower further undertakes that, except for the encumbrances provided under paragraph 4 of this Article, no priority over the Lender will be given to any other creditor.
4. The Borrower respecting its undertaking under paragraph 2 may allow
exclusively for the following encumbrances:
(1) Encumbrances upon any property incurred to secure the purchase price of
such property and any renewal or extension of such encumbrance which is
limited to the original property covered thereby and which secures any
renewal or extension of the original secured financing; and
(2) Encumbrances on commercial goods arising in the course of ordinary
commercial banking transactions (and expiring at the latest within one year
thereafter) to finance the import or export of such goods into or from the
country of the Borrower; and
(3) Encumbrances securing or providing for the payment of external
indebtedness incurred exclusively in order to provide financing for a well
defined investment project, provided that the properties to which any such
encumbrances apply are properties which are the subject of such project
financing, or which are revenues or claims which arise from the project; and
(4) Any other encumbrances in existence on the date of the signing of this
Agreement, provided that such encumbrances remain confined to the
properties presently affected thereby and properties which become affected
by such encumbrances under contracts in effect on the date of the signing of
this Agreement and provided further that such encumbrances secure or
provide for the payment of only those obligations so secured or provided for
on the date hereof or any refinancing of such obligations; and
(5) All other statutory encumbrances and privileges which operate solely by
virtue of law and which cannot be reasonably avoided by the Borrower.
As used in this Article, "financing of a project" means any financing of the acquisition, construction or development of any properties in connection with a project if the providing entity for such financing expressly agrees to look to the properties financed and the revenues to be generated by the operation of, or loss or damage to, such properties as the principal source of repayment for the moneys advanced.
5. The Borrower undertakes to utilise the Net Disbursement Amount from the
Loan in accordance with the Decision and the Memorandum of Understanding. Article 5 – Interest
1. The interest rate on each Tranche and the due dates for payment of interest will be
the same as those determined in the corresponding Borrowing Contracts.
2. If the Lender due to prevailing market conditions at the time of launching a bond
issue or any other Financial Transaction is not able to obtain a funding at or below the maximum rates referred to in the relevant Acceptance Notice, then the Lender is under no obligation to make the Net Disbursement Amount of any Tranche available to the Borrower. However, upon request from the Borrower, the Lender may propose to the Borrower new maximum interest rates in the light of the then prevailing market conditions.
3. Upon request from the Borrower and if in the Lender's judgement circumstances
permit an improvement in the interest rate of a Tranche, the Lender may restructure the financial conditions of the Lender's borrowings with respect to the Tranche, provided that the relevant Borrowing Contracts allow such a restructuring or that the Lender can renegotiate the Borrowing Contracts to such effect.
4. If the Borrower fails to pay principal or interest payable under this Agreement on
the due date, the Borrower shall pay additional interest on such sum (or, as the case may be, the amount thereof for the time being due and unpaid) to the Lender from the due date to the date of actual payment in full, calculated by reference to successive interest periods (each of such length as the Lender may from time to time select, the first period beginning on the relevant due date and, wherever possible, the length of such period shall be that of one week) at the higher of
a) the rate per annum being the aggregate of:
(i) two per cent (2%) per annum, and
(ii) the EURIBOR rate for the relevant duration,
or
b) two per cent (2%) per annum plus the interest rate of the respective Tranche
as determined in paragraph 1 of this Article.
So long as the failure to pay continues, such rate shall be refixed in accordance with the provisions of this paragraph on the last day of each such interest period and unpaid interest under this paragraph concerning previous interest periods shall be added to the amount of interest due at the end of each such interest period.
If the Borrower fails to pay any other costs or expenses to be paid to the Lender at the date when these become due and payable in accordance with this Agreement, then the Borrower shall pay in addition all costs and expenses, including legal fees, incurred by the Lender, due to such late payment and as determined by the Lender.
In addition, the Borrower undertakes to pay to the Lender all additional interest and all costs and expenses, including legal fees, incurred and payable by the Lender as a result of a breach of any obligation under this Agreement by the Borrower.
The Lender's Agent shall inform the Borrower on the details of the interest calculation and in particular of the reference used for the EURIBOR setting, if applicable.
Article 6 – Repayment and Option for Prepayment
1. The Borrower shall repay the principal amount of each Tranche at the dates and
under the conditions determined in the Borrowing Contracts and as notified to it by the Lender's Agent.
2. The Lender will not include an early repayment clause in the terms and conditions
of the Financial Transaction, unless the Borrower has explicitly requested such a clause in the Request for Funds. The terms and conditions of such an early repayment option for the Borrower shall be those of the corresponding early repayment option for the Lender under the Borrowing Contracts. If the Borrower wants to exercise its option, it shall give notice to the Lender of its decision to early repay the respective Tranche at least one month prior to the latest notice date for early repayment under the Borrowing Contracts.
Article 7 – Payments
1. All payments to be made by the Borrower shall be paid free of any taxes,
commissions and any other deductions for the entire term of this Agreement.
2. The Borrower declares that all payments and transfers under this Agreement, as
well as the Agreement itself, are not subject to any tax or any other impost in the country of the Borrower and shall not be so subject for the entire term of this Agreement. If nevertheless the Borrower is required by law to make any such deductions, the Borrower shall pay the requisite additional amounts so that the Lender receives in full the amounts specified by this Agreement.
3. All payments by the Borrower shall be made in Euro to the euro-account of the
Lender's Agent in TARGET2, TARGET2 participant SWIFT-BIC: ECBFDEFFBAC, TARGET2 account holder SWIFT-BIC ECBFDEFFBAC, ref.: "EC balance of payments assistance to Latvia", or to such other account as the Lender's Agent will instruct the Borrower and the Borrower's Agent by written notice at least six Working Days before the relevant due date.
4. The Lender's Agent shall advise the Borrower and its Agent at least 15 calendar
days prior to the due date of the amount of principal and of interest due and payable on such date and of the details (interest rate, interest period) on which the interest calculation is based. All amounts due shall be credited on the account of
the Lender's Agent referred to in paragraph 3 at 11:00 hours CET on the relevant due date at the latest.
5. The Borrower shall send to the Lender's Agent a copy of its payment instructions
sent to the Borrower's Agent at least two Working Days prior to the relevant due date.
6. The Borrower undertakes to pay all costs and expenses incurred and payable by
the Lender in relation to the preparation and implementation of each Tranche and the corresponding Financial Transactions, the Borrowing Contracts and any other costs and expenses incurred and payable by the Lender in relation to such Financial Transactions and any related costs and expenses during the life of the Financial Transaction. These costs and expenses to be borne by the Borrower may include, inter alia, legal costs (such as the costs incurred for legal opinions), costs for borrowing documentation, rating costs, travelling costs, if applicable, and commissions related to the financial service of the Financial Transactions, taxes, registration fees and publication costs, if any. The above mentioned amounts, unless deducted from the proceeds in accordance with Article 3, paragraph 4, shall be paid by the Borrower within one month after notification by the Lender, such notification to be accompanied by supporting documents.
7. a) If the Borrower shall pay an amount in relation to any of the Tranches which
is less than the total amount due and payable under this Agreement, the
Borrower hereby waives any rights it may have to make any appropriation of
the amount so paid as to the amounts due.
b) The amount so paid under a Tranche shall be applied in or towards
satisfaction of payments due under such a Tranche in the sequence first of
any fees and expenses, second of any interest for late payments as
determined under Article 5, paragraph 4, third against interest, fourth against
principal, provided that these amounts are due or overdue for payment on
that date.
Article 8 – Events of Default and Early Repayment
1. The Lender by written notice to the Borrower may declare the outstanding
principal amount of the Loan to be immediately due and payable, together with accrued interest, if
a) the Borrower shall fail to pay at the stated maturity any payment of principal
or interest, whether in whole or in part, in the manner and currency as agreed in this Agreement, in respect of any Tranche and such default in payment shall not be remedied by payment thereof within five Working Days after written notice thereof shall have been given to the Borrower by the Lender; or
b) the Borrower shall default in the performance of any obligation under this
Agreement other than obligations contained in the Memorandum of Understanding, but including the obligation set out in Article 4, paragraph 5,
and such default shall continue for a period of one month after written notice thereof shall have been given to the Borrower by the Lender; or
c) for any reason whatsoever due to an act or an omission by any institution or
individual or other body having the legal power inside the country of the Borrower, the Borrower’s obligations under this Agreement are contested to be binding on or enforceable against the Borrower; or
d) it has been established that in relation with this Loan, the Borrower or the
Borrower's Agent has engaged in any act of fraud or corruption or any other illegal activity detrimental to the EC's financial interests; or
e) there is under any previous loan agreement between the Borrower, the
Borrower's Agent and the European Community, regardless of the amount, or under any other external indebtedness of the Borrower having an aggregate principal amount in excess of EUR 50 million a declaration of default as defined in any instrument governing or evidencing such indebtedness and as a result of such a declaration of default there is an acceleration of such indebtedness; or
f) the Borrower does not generally pay its external indebtedness as it falls due or
declares or imposes a moratorium on the payment of the external indebtedness of the Borrower or of an external indebtedness assumed or guaranteed by it.
For the purposes of the foregoing, "external indebtedness” of the Borrower means any debt contracted, guaranteed or otherwise secured by the Borrower or the Borrower's Agent, which is either
(i) denominated in a currency other than the currency of the Borrower; or
(ii) raised or incurred (in whatever currency) outside of the country of the Borrower.
2. In the event of an early termination of an interest rate swap, if any, the Borrower,
instead of servicing the payment obligations under the swap, shall assure the debt service of the underlying bond issue or other Financial Transaction.
3. The Lender may, but is not obliged to, exercise its rights under this Article and
may also exercise them only in part without prejudice to the future exercise of such rights.
4. The Borrower shall reimburse all costs, expenses, fees and loss of interest
incurred and payable by the Lender as a consequence of an early repayment of any Tranches under this Article. The loss of interest is the difference between the interest rate of the Tranche and the interest received by the EC from the reinvestment of the amounts early repaid, for the period between the date of the early repayment and the date on which the Financial Transaction matures or can be terminated according to the terms of the Borrowing Contracts.
Article 9 – Undertakings relating to inspections, fraud prevention and audits
1. The Commission, including the European Anti-Fraud Office, and the European
Court of Auditors shall have the right to send their own agents or duly authorised representatives to carry out any technical or financial controls or audits that they consider necessary in relation to the management of this assistance as long as the Loan has not been fully repaid.
2. The Borrower and the Borrower's Agent shall supply relevant information and
documents which may be requested for the purpose of such assessments, controls or audits, and take all suitable measures to facilitate the work of persons instructed to carry them out. The Borrower and the Borrower's Agent undertake to give to the persons referred to in paragraph 1 access to sites and premises where the relevant information and documents are kept.
3. The Borrower and the Borrower's Agent shall ensure investigation and
satisfactory treatment of any suspected and actual cases of fraud, corruption or any other illegal activity in relation to the management of the EC balance of payments assistance, detrimental to the EC’s financial interests. All such cases as well as measures related thereto taken by national competent authorities shall be reported to the Commission without delay.
Article 10 – Notices
All notices in relation to this Agreement shall be validly given if in writing and sent to: For the Lender:
Commission of the European Communities
Directorate General Economic and Financial Affairs –
Unit L-3 "Lending and IFI Programme Management"
L-2920 Luxembourg
Attention: Mr Javier Garcia Lon, Head of Unit
Tel.: (+352) 4301 36372
Fax: (+352) 4301 36599
SWIFT address: EUCOLULL
With copy to the Lender's Agent:
European Central Bank
Kaiserstrasse 29
D-60311 Frankfurt am Main
Attention: Mr H. Metselaar, Head of Back Office Division
Tel.: + 49 69 1344 7333
Fax: + 49 69 1344 6171
SWIFT BIC: ECBFDEFFBAC
For the Borrower:
Ministry of Finance of Latvia
Smil?u ielā 1,
LV-1919 Rīgā
Attention: Mr Kaspars ābolin?, Treasurer of the Republic of Latvia
Tel.: + 371 67094222
Fax: + 371 67094220
SWIFT BIC: TRELLV22
With copy to the Borrower's Agent:
Bank of Latvia
K.Valdemāra ielā 2A,
LV-1050 Rīgā
Attention: Mr Raivo Vanags, Mr Janis Caune
Tel.: + 371 67022 300
Fax: + 371 67022 420
SWIFT address: BIC LACBLV2X
All notices shall be given by registered mail. In case of urgency, they can be given by fax, Swift or by hand-delivered letter to the above addressees and confirmed by registered mail without undue delay. Notices become effective with the actual receipt of the fax, the Swift-message or the letter.
All documents, information and materials to be furnished under this Agreement shall be in the English language or in the language of the Borrower's country, accompanied by a certified English translation, provided that, in the latter case, the English translation shall prevail in the case of divergence.
Article 11 – Miscellaneous
1. If any one or more of the provisions contained in this Agreement should be or
become fully or in part invalid, illegal or unenforceable in any respect under any applicable law, the validity, legality and enforceability of the remaining provisions contained in this Agreement shall not in any way be affected or impaired thereby.
Provisions which are fully or in part invalid, illegal or unenforceable shall be implemented according to the spirit and purpose of this Agreement.
2. The Preamble and the Annexes to this Agreement, the Decision, the Memorandum
of Understanding and the Finance Contracts entered into after the signature of this Agreement with respect to this Agreement and the Borrowing Contracts, including, as the case may be, any one or more "Distribution Agreements" or "Subscription Agreements", "Agency Agreements" or "Fiscal Agency Agreements", "Offering Circulars" and "Swap Agreements" do and shall hereafter form an integral part of this Agreement.
3. The purpose of this Agreement is to set up the conditions under which the EC
makes available to the Borrower the proceeds of the corresponding Financial Transactions arranged by the EC to this effect. As a consequence, the Borrower and the EC accept that their rights and obligations, unless otherwise stated in this
Agreement, are defined and interpreted by reference to the corresponding borrowing documentation. In particular the terms of the Borrowing Contracts, copies of which shall be transmitted to the Borrower, shall be applicable to the Agreement. However, if there is any conflict between the terms of this Agreement and any Borrowing Contract, the terms of this Agreement shall prevail.
4. A "Working Day" shall mean a day on which the TARGET2 payment system is
open for business.
Article 12 – Governing law and jurisdiction
1. This Agreement is governed by and shall be construed in accordance with English
law.
2. The parties undertake to submit, pursuant to Article 238 of the Treaty establishing
the European Community (hereinafter referred to as the "EC Treaty"), any dispute which may arise relating to the legality, validity, interpretation or performance of this Agreement to the exclusive jurisdiction of and arbitration by the Court of First Instance of the European Communities (the "CFI"), with the right of appeal to the Court of Justice of the European Communities (the "ECJ") provided for in Article 225 of the EC Treaty.
Judgements of the ECJ and of the CFI, as the case may be, shall be fully binding on and enforceable by the parties, save where, pending an appeal from the CFI, the ECJ, by way of interim relief, suspends the operation of a judgement, or any part of a judgement, of the CFI, and in the case of the European Community, without prejudice to the application of the Protocol on the Privileges and Immunities of the European Communities.
3. The Lender may enforce any judgement obtained of the ECJ or CFI, as provided
herein or other rights against the Borrower in the courts of the country of the Borrower.
Article 13 – Entry into force
1. Following its signature by all parties, this Agreement shall enter into force on the
date on which the Lender has received the official notification in the form of the Legal Opinion (Annex 3 to this Agreement) by the Borrower that all constitutional and legal requirements for the entry into force of this Agreement and the valid and irrevocable commitment of the Borrower to all obligations under this Agreement have been fulfilled.
2. The entry into force shall not be later than 6 months after signature of the
Agreement. If the Agreement has not entered into force by that date, the parties to the Agreement shall no longer be bound by it.
Article 14 – Execution of the Agreement
This Agreement shall be executed by each party in four originals in the English language, each of which shall constitute an original instrument.
Article 15 – Annexes
The Annexes to this Agreement shall constitute an integral part thereof:
1. Form of Request for Funds
2. Form of Acceptance Notice
3. Form of Legal Opinion
Done in Luxembourg on ____ January 2009 and in Riga on ____ January 2009. REPUBLIC OF LATVIA EUROPEAN COMMUNITY
represented by
COMMISSION OF THE
EUROPEAN COMMUNITIES
as Borrower as Lender
Represented by Represented by
Atis Slakteris_________ ___________ Minister of Finance
BANK OF LATVIA
as the Borrower's Agent
Represented by
Ilmārs Rim?ēvi?s
Governor of the Bank of Latvia
Annex 1
Letter head of Latvian authorities
By fax followed by registered mail:
European Commission
Directorate General Economic and Financial Affairs
Unit L3 "Lending and IFI Programme Management"
L-2920 Luxembourg
Fax: +352 4301 36599
Copy to the European Central Bank
[Insert address]
Fax: [?]
Copy to the Bank of Latvia
[Insert address]
Fax: [?]
Subject: European Community balance of payments assistance
Request for Funds for [Tranche number [?] of] the [?] Instalment Dear Sirs,
We refer to the Loan Agreement made between the European Community as Lender and the Republic of Latvia as Borrower of a maximum amount of EUR 3 100 000 000 signed on [?] January 2009 ("the Loan Agreement") and entered into force following the submission to the Lender of the Legal Opinion of the Borrower dat ed [?] January 2009. Terms defined in the Loan Agreement shall have the same meaning herein.
1.We hereby irrevocably request that a Finance Contract be concluded for [the [?]
Tranche of] the [?] Instalment under and in accordance with the Loan Agreement upon the following terms:
a)Nominal amount of the Tranche[/Instalment] to be EUR [?].
b)The minimum Net Disbursement Amount of the Tranche[/Instalment]
to be EUR [?].
c)The capital reimbursement of the Tranche[/Instalment] to be:
d)Consequently, the Average Maturity of this Tranche[/Instalment] is
fixed at [?] years, and the Average Maturity of the Loan is of [?] years,
in accordance with Article 2 of the Loan Agreement.
2.As an interest rate we request a [fixed interest rate / variable interest rate].
3.[Fixed nominal interest rate shall not be higher than [?] % per annum.] /
[Variable nominal interest rate shall not be higher than the [?] months EURIBOR plus [?] % per annum.]
Interest payments shall take place every [?] months after the Disbursement Date, with the last one at the same date as the last capital reimbursement. In case of variable interest rate, the frequency of payments shall match the term of the chosen EURIBOR.
4.Day count basis shall be determined in the Borrowing Contract.
5.[We hereby irrevocably authorise the Lender to consider the option of using
interest rate swaps in order to obtain the economically most favourable financial terms for this Tranche[/Instalment], should market circumstances so require.]
6.We acknowledge and agree that the disbursement of the funds shall be in
accordance with and subject to
a)The issue by the Lender of an Acceptance Notice; and
b)The Lender being satisfied at all times that the corresponding funds are
available to it from a counterparty in the international capital markets
on terms and conditions that are acceptable to it and that are consistent
with the terms set out in this Request for Funds and in the Acceptance
Notice.
7.We further acknowledge and agree that
a)Upon service by the Lender of the Acceptance Notice in respect of this
Request for Funds, a Finance Contract under the Loan Agreement shall
automatically be concluded between ourselves and the Lender in
respect of the Tranche[/Instalment] requested. In due course thereafter,
we will receive a copy of the relevant Borrowing Contract(s)
containing the detailed terms and conditions of the Finance Contract.
b)If we, the Borrower, have not explicitly requested in this Request for
Funds an early prepayment option, this choice is definite for this
Tranche[/Instalment].
c)The list of authorised signatures validly committing the Borrower in
the Finance Contracts sent by the Minister of Finance on [?] remains
valid and applicable.
d)No event has occurred that would render incorrect any statement made
in the legal opinion sent to the Lender on [?].
Yours faithfully,
Annex 2
EUROPEAN COMMISSION
DIRECTORATE GENERAL
ECONOMIC AND FINANCIAL AFFAIRS
Financial operations, programme management and liaison with the EIB Group
By fax followed by registered mail:
[Insert Borrower's contact details]
Copy to the European Central Bank
[Insert address]
Fax: [?]
Copy to the Bank of Latvia
[Insert address]
Fax: [?]
[Copy to [?]
[Insert address]
Fax: [?]]
Subject: European Community balance of payments assistance
Acceptance Notice of financial terms for [the [?] Tranche of] the [?]
Instalment of EUR [?]
Dear Sirs,
We refer to the Loan Agreement between the European Community as Lender and the Republic of Latvia as Borrower of a maximum amount of EUR 3 100 000 000 signed on [?] January 2009 ("the Loan Agreement"). Terms defined in the Loan Agreement shall have the same meaning herein.
We hereby acknowledge that we have received your Request for Funds for [the [?] Tranche of] the [?] Instalment on [?].
The European Community intends to launch a Financial Transaction in order to fund the above mentioned Tranche[/Instalment] of EUR [?], in accordance with the terms that you have agreed upon in the Request for Funds and with the following ones:
编号：TQC/K496 民间简单个人借款合同完 整版 In the case of disputes between the two parties, the legitimate rights and interests of the partners should be protected. In the process of performing the contract, disputes should be submitted to arbitration. This paper is the main basis for restoring the cooperation scene. 【适用合作签约/约束责任/违约追究/维护权益等场景】 甲方：________________________ 乙方：________________________ 签订时间：________________________ 签订地点：________________________
民间简单个人借款合同完整版 下载说明：本协议资料适合用于需解决双方争议的场景下，维护合作方各自的合法权益，并在履行合同的过程中，双方当事人一旦发生争议，将争议提交仲裁或者诉讼，本文书即成为复原合作场景的主要依据。可直接应用日常文档制作，也可以根据实际需要对其进行修改。 甲方：_____，身份证号码为____，现住_____; 乙方：_____，身份证号码为____，现住_____; 法定代表人(单位)：_____ 甲方等人因购买房屋，资金不足，特向乙方请求借款。经双方协商，自愿达成如下协议： 一、乙方借给甲方人民币___元(大写：____元整)，甲方应于年月日前归还完毕。
英文借款合同 Loaning Contract The Money Loaning Contract(Drafted by lawyer ZhengShuhong & LuYu)The borrower (hereinafter referred to as party A):The lender (hereinafter referred to as party B):The guarantor (hereinafter referred to as party C):For the purpose o f…、、, the party A request for a loan from the party B by providing the party C as the guarantor of such loan、 The contract, concluded after consulting and discussing among the said three parties, by which the three parties should jointly abide、 Chapter one: The loaningArticle1: The money of the loaning shall be used to …………………、、Article2: The amount of the loaning is…… ( in Chinese character )、Article3: The period of the loaning is from…、to…、、, the second day of the expiration date shall be the repayment date、Article4: The interest for the loan shall be calculated in the manner of ………Article5: The party B shall deliver the money of the loan, before the period of the contract begins to count, to the party A in the manner of…、in (place) at the presence of the party
合同编号：YT-FS-4867-14 借款合同的范本大全(完 整版) Clarify Each Clause Under The Cooperation Framework, And Formulate It According To The Agreement Reached By The Parties Through Consensus, Which Is Legally Binding On The Parties. 互惠互利共同繁荣 Mutual Benefit And Common Prosperity
借款合同的范本大全(完整版) 备注：该合同书文本主要阐明合作框架下每个条款，并根据当事人一致协商达成协议，同时也明确各方的权利和义务，对当事人具有法律约束力而制定。文档可根据实际情况进行修改和使用。 范文一 合同编号：____ 贷款方：_____ 借款方：_____ 双方共同遵守国务院颁发的《借款合同条例》，并签订此合同。 第一条根据(项目计划批准机关及文号)批准借款方(项目名称及主要内容) 项目，总投资___万元，其中自筹___万元， 其它__万元，向贷款单位申请(贷款种类)，贷款___万元。 第二条贷款方根据借款方以下借款用同意贷款___万元。贷款期限：自_ ___年__月__日至____年__月__日。贷款方按照各项贷款办法规定的利率档次，
计息时间，向借款方计收利息。 借款用途：购置设备___台(套)___万元; 土建____平方米____万元; 其它_____万元。 第三条贷款方保证在核准的贷款额度内，根据贷款合同约定的期限，及时供应资金，如因本身责任，不能按时提供贷款，应按违约数额和延迟天数付给借款方违约金。违约金由贷款方按本项贷款利率档次加付___% 第四条借款方保证按照如下期限归还本金： ____年__月__万元、____年__月__万元、 ____年__月__万元、____年__月__万元、 ____年__月__万元、____年__月__万元。 第五条借款方还本付息的资金来源，双方同意按有关规定，用下列资金还款： ____(公章) 1.贷款项目投产后新增加的所得税前利润___万元，
英文版借款协议 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 contract is made in line with the contract law of the people’s republic of china and the general provisions of loans of the people’s bank of china to specify the rights and obligations of parties involved. 借贷条款 loan borrowing clause 第一条借款金额。见36.1
article 1. amount of loan: refer to 36.1 第二条借款用途。见36.2 article 2. purpose of loan: refer to 36.2 第三条借款期限。 article 3. life of loan 3．1见36．3。 3.1 refer to 36.3 3．2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。 3.2 a certificate of indebtedness or a loan voucher is an integral part of this contract. the date of advance and payment due date shall follow the date specified on the certificate of indebtedness or loan voucher . where there is any inconsistency between the stipulations on the certificate of indebtedness or loan voucher and the terms and conditions on this contract except date, the latter shall 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
融资借款合同完整版 In the case of disputes between the two parties, the legitimate rights and interests of the partners should be protected. In the process of performing the contract, disputes should be submitted to arbitration. This paper is the main basis for restoring the cooperation scene. 【适用合作签约/约束责任/违约追究/维护权益等场景】 甲方：________________________ 乙方：________________________ 签订时间：________________________ 签订地点：________________________
融资借款合同完整版 下载说明：本协议资料适合用于需解决双方争议的场景下，维护合作方各自的合法权益，并在履行合同的过程中，双方当事人一旦发生争议，将争议提交仲裁或者诉讼，本文书即成为复原合作场景的主要依据。可直接应用日常文档制作，也可以根据实际需要对其进行修改。 甲方(出借人)： 地址： 联系电话： 乙方(借款人)： 地址： 身份证号码： 移动电话/座机： 保证人： 地址： 身份证号码： 移动电话/座机：
经甲乙双方充分协商一致，根据国家有关法律、法规的规定，自愿签订本合同，双方共同遵守。 第一条借款金额、种类、用途 1、借款种类： 2、借款用途： 3、借款金额：甲方同意向乙方提供借款金额为(大写) 人民币(小写) 。 第二条、借款与还款期限、方式 (1)、本合同项下借款期限为，自年月日起至年月日止，乙方还款日期为年月日。 (2)、本合同记载的借款金额、借款
借款协议,英文 篇一：中英文借款协议 借款协议 Loan Agreement 甲方（出借方）： Party A (Borrower): 乙方（借款方）： Party B (Lender): 甲方为乙方股东之一，就甲方借款给乙方相关事宜，经协商一致达成以下协议： PartyＡis one shareholder of Party B, regarding the issue that Party A lend a loan to Party B, after Parties friendly negotiation , agreed as follows: 第一条借款金额 The amount of the loan 甲方借给乙方人民币______________。甲方所指定的第三人【姓名：身份证号：】向乙方出借的款项视同出借方本人向乙方的出借款。 Party A lends to Party B. Capital that lending from the 3rd Party (name:ID NO.: ) that designated by Party A would be regarded as Party A’s lent capital to Party B.
第二条借款期限 Term of the loan 借款期限自_____ 年__ 月__ 日至_____ 年__ 月__ 日止。 The term shall start from [mm/dd/yyyy] and end to [mm/dd/yyyy]. 第三条借款利率 Lending rate 借款利率为【】%/30天换算）。 The lending rate should be which would be calculated as actual number of lending days (one month account for 30 days). 第四条还款方式 Method of repayment 1 / 3 借款期限届满到期一次性还清借款本金及利息。 Party B shall one-time pay off the principal and interest of the loan when the loan period expires. 第五条协议的生效、变更与终止 Taking effect, modification and termination of the agreement 1. 本协议自乙方将本协议第一条的款项划入甲方指定的账户之日起生效，甲方指定账户信息如下：
---------------------------------------------------------------范文最新推荐------------------------------------------------------ 2018个人借款合同范本大全 出借方应按期、按金额向借款方提供贷款，否则，应按违约数额和延期天数，付给借款方违约金，违约金数额的计算，与逾期借款罚息同。下面是小编整理的关于借款合同的内容，欢迎阅读借鉴。 2018个人借款合同范本最新 甲方(借款人)_________________ 身份证号码：_____________________ 乙方(贷款人)_________________ 身份证号码：______________________ 甲乙双方就借款事宜，在平等自愿、协商一致的基础上达成如下协议，以资双方共同遵守。 乙方贷给甲方人民币(大写)______________，于 ____年 ____月____日前交付甲方。 借款利息：_________________ 借款期限： 还款日期： ____年 ____月 ____日。还款方式：现金/__________支付。 违约责任： 1、借款方的违约责任 1 / 15
(1)借款方不按合同规定的用途使用借款，贷款方有权收回部分或全部贷款，对违约使用的部分，按银行规定的利率加收罚息。 (2)借款方如逾期不还借款，贷款方有权追回借款，并从到期日起付日息1% . (3)借款方使用借款造成损失浪费或利用借款合同进行违法活动的，贷款方应追回贷款本息，有关单位对直接责任人应追究行政和经济责任。情节严重的，由司法机关追究刑事责任。 2、贷款方的违约责任 (1)贷款方未按期提供贷款，应按违约数额和延期天数，付给借款方违约金。违约金数额的计算与加收借款方的罚息计算相同。 (2)利用借款合同进行违法活动的，追究行政和经济责任。情节严重的，由司法机关追究刑事责任。 争议解决方式：双方协商解决，解决不成，提交__________人民法院。 本合同自 ______生效。本合同一式两份，双方各执一份，合同文本具有同等法律效力。 甲方(签字、盖章) 乙方(签字、盖章附身份证复印件) 合同签订日期：合同签订日期： 2018民间个人借款合同范本 甲方(出借人)：身份证号： 乙方(借款人)：身份证号： 甲乙双方本着平等自愿、诚实信用的原则，经协商一致，达成本合同，
英文版借款合同 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 contract is made in line with the contract law of the people's republic of china and the general provisions of loans of the people's bank of china to specify the rights and obligations of parties involved. 借贷条款 loan borrowing clause 第一条借款金额。见 article 1. amount of loan: refer to 第二条借款用途。见
article 2. purpose of loan: refer to 第三条借款期限。 article 3. life of loan 3．1见36．3。 refer to 3．2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。 a certificate of indebtedness or a loan voucher is an integral part of this contract. the date of advance and payment due date shall follow the date specified on the certificate of indebtedness or loan voucher . where there is any inconsistency between the stipulations on the certificate of indebtedness or loan voucher and the terms and conditions on this contract except date, the latter shall 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、
借款协议书 甲方（出借人）：身份证号： 乙方（借款人）：身份证号： 甲乙双方本着平等自愿、诚实守信的原则，经协商一致，达成本协议，并保证共同遵守执行。 一、借款金额：甲方向乙方借款人民币________元。（） 二、借款用途：________________________________。 三、借款利息：借款利率为月息_____%，按月收息，利随本清。 四、借款期限：本次借款期限为______个月，从______年___月___日起至______年___月___日止。如实际放款日与该日期不合符，以实际借款日期为准。乙方收到借款后需出具借据，乙方所出具的借据为本协议附件，与本协议具有同等法律效力。 五、保证条款： 1、乙方用_______________________________ 价值________元作为借款抵押。由甲方保管或者公正机关保管（公正保管费由乙方负担）抵押期间，未经甲方书面同意，乙方不得出租、变卖、赠与抵押物，或者其他方式处理抵押物。抵押期间抵押物不受乙方资产分转让等影响，如果甲方发现乙方违反本条例的情节，将处置抵押物。
2、乙方必须按照借款协议规定的用途使用借款，不得挪作他用，不得用借款进行违法活动。 3、乙方按照本协议规定的期限还本付息。逾期不还的部分，甲方有权限期追回借款。 4、乙方还款保证人_________，为确保本协议的履行，愿与乙方负连带返还借款本息的责任。保证人与乙方关系为________。 六、违约责任 1、乙方如未按协议规定归还借款，乙方应当承担违约金以及因诉讼发生的律师费、诉讼费、差旅费、评估费、拍卖费等费用。甲方有权向有管辖权的人民法院申请拍卖抵押物，用于抵偿借款本息，若有不足抵偿部分，甲方有权向乙方追偿，直至乙方还清甲方全部借款本息为止。 2、乙方如不按协议规定的用途使用借款，甲方有权随时回收该借款，并要求乙方承担借款总金额百分之_____的违约责任。 七、协议争议解决方法： 1、本协议在履行过程中发生的争议，由当事人双方友好协商解决，也可以由第三方调解。 2、协商或调节不成功，可由任意一方依法向人民法院起诉。 八、本协议自双方签字之日起生效。本协议一式两份，双方各执一份，
The cooperation clause formulated through joint consultation regulates the behavior of the parties to the contract, has legal effect and is protected by the state. 英文涉外借贷合同正式版
英文涉外借贷合同正式版 下载提示：此协议资料适用于经过共同协商而制定的合作条款，对应条款规范合同当事人的行为，并 具有法律效力，受到国家的保护。如果有一方违反合同，或者其他人非法干预合同的履行，则要承担 法律责任。文档可以直接使用，也可根据实际需要修订后使用。 loan contract contract number: _____ borrower: ____ address: _____ lender: ____ address: _____ in accordance with provisions of contract law of the peoples republic of china and bank of china, after reviewing the status and the request of the borrower, the lender agrees to grant the borrower a line of credit
on . the borrower, lender and guarantor, through friendly negotiation, have executed this contract as follows: article 1 currency, amount and term of the loan: 1. the currency under this loan is reiminbi. 2. the line of the loan is yuan. 3. the period of this loan is 12 months from the date of effectiveness of this contract. article 2 the purpose of the loan: 1. the purpose of this loan is
借款合同 Loan Contract 贷款方(Lender)： 身份证件号码(ID Number.)： 地址(Address)： 电话(Tel)： 借款方(Borrower)： 法定代表人(Representative)：职务(Title)： 地址(Address)： 电话(Tel)： 借款方是一家从事以下两种业务的公司： The Borrower operates two discrete businesses: 1.生产销售喷砂和抛光研磨纤维石产品；（“砂石品业务） 1. Manufacture and sale of the “spray-stone”and “super-stone”products (“the Stone Business”); 2.生产销售柳制产品（“柳制品业务”） 2.Manufacture and sale of wicker products (“the Wicker Business”). 现借款方打算停止开展柳制品业务。 The Borrower intends to cease operating the Wicker Business. 借款方因生产经营需要，向贷款方借款。双方本着互惠互利的目的，友好协商，特制订本合同。 For its production and operation, the Borrower intends to borrow money from the Lender. For the mutual benefits, both Parties agree to conclude this Contract.
合同编号：YT-FS-2175-45 个人借款协议书(完整版) Clarify Each Clause Under The Cooperation Framework, And Formulate It According To The Agreement Reached By The Parties Through Consensus, Which Is Legally Binding On The Parties. 互惠互利共同繁荣 Mutual Benefit And Common Prosperity
个人借款协议书(完整版) 备注：该合同书文本主要阐明合作框架下每个条款，并根据当事人一致协商达成协议，同时也明确各方的权利和义务，对当事人具有法律约束力而制定。文档可根据实际情况进行修改和使用。 甲方：_____，身份证号码为____，现住_____； 乙方：_____，身份证号码为____，现住_____； 法定代表人（单位）：_____ 甲方等人因购买房屋，资金不足，特向乙方请求借款。经双方协商，自愿达成如下协议： 一、乙方借给甲方人民币___元（大写：____元整），甲方应于年月日前归还完毕。 二、甲方同意乙方扣除其在___年___月___日至___年___月___日期间在乙方享有的股份分红____元作为还款。在此期间，若甲方的股份分红总额不足捌万元的，甲方需将不足部分补齐还给乙方。 三、甲方等人对第一项的借款____元整承担连带偿还责任。 四、本协议书一式二份，甲、乙双方各执一份。
甲方：_____乙方：_____ 年月日 --------- 甲方：中国海洋大学 乙方： 依据《中国海洋大学教职工购买九水秀园住房办法》和购房协议第四条第二款之约定，经甲乙双方协商，达成如下协议，以共同遵守执行。 一、甲方同意在乙方购买的“九水秀园”住房所有权办理前，使用权价格剩余部分人民币拾万借给乙方。 二、乙方的借款日期自年月日起至年月日止。 三、乙方同意届时按银行贷款利率，逐月还本付息给甲方。 四、乙方同意甲方在乙方工资中逐月扣除本息给甲方。 五、乙方在所购住房具备办理所有权证条件时，
合同编号：YT-FS-2053-80 借款合同中英文范本(完 整版) Clarify Each Clause Under The Cooperation Framework, And Formulate It According To The Agreement Reached By The Parties Through Consensus, Which Is Legally Binding On The Parties. 互惠互利共同繁荣 Mutual Benefit And Common Prosperity
借款合同中英文范本(完整版) 备注：该合同书文本主要阐明合作框架下每个条款，并根据当事人一致协商达成协议，同时也明确各方的权利和义务，对当事人具有法律约束力而制定。文档可根据实际情况进行修改和使用。 借款合同中文范本 借款单位：_____ 法定代表人：____ 贷款单位：_____ 法定代表人：____ 保证单位：____ 法定代表人：____ 签约日期：____ 根据《中华人民共和国合同法》的规定，借款方为保证施工生产正常进行，向贷款方申请建筑企业流动资金贷款，经贷款方审查同意发放，为明确各方权责，特签订本合同共同遵守。 第一条本合同规定____ 年贷款额为人民币(大写)____ 万元，用于____ 。
第二条借款方和贷款方必须共同遵守贷款办法，有关贷款事项按办法规定办理。 第三条贷款自支用之日起，按实际支用数计收利息，利率为月息____ ‰，超计划贷款的超过部分利率为月息____ ‰，逾期贷款加计利息20%，挪用贷款挪用部分加罚利息50%。 第四条贷款方保证按照本合同的规定供应资金，贷款方如因工作差错贻误用款，以致借款方遭受损失时，应按直接经济损失，由贷款方负责赔偿。 第五条贷款方有权检查贷款使用情况。检查时，借款方对调阅有关文件、帐册、凭证和报表，查核物资库存和施工生产情况等，必须给予方便。 第六条借款方如违反合同和贷款办法的规定，贷款方有权停止贷款，提前收回部分或全部贷款。 第七条担保方对借款方归还贷款本息承担责任，如果借款方未按期清偿贷款本息时，担保方应在接到贷款方还款通知后一个月内负责归还。 第八条本合同有效期：自____ 年____ 月____
2017最新完整版借款合同 甲方（出借人）: 身份证号： 联系地址： 乙方（借款人）: 身份证号： 联系地址： 丙方（保证人）: 身份证号： 联系地址： 向甲方借款，内方愿意为乙方借款向甲方提供连带保证担保，现甲乙内各方 自愿、等价有偿的基础上，经友好协商，达成如下一致意见，供双方共同信 一、借款用途： 要从事个体经营，急需一笔资金周转，甲方同意出 借，但乙方如何使用借款，则与甲方无关。 二、借款金额 乙方向甲方借款金额（大写）人民币万元整（小写：￥ 元）。乙方指定的收款账户 为：- 开户银行：- 账户名称： 账号: 三、借款期限 借款期限 年，自 年 月 日起（以甲方实际出借款项之日起 算，乙方应另行出具收条）1 年 月 日止，逾期未还款的，按本 合同第八条处理。 四、还款方式 应按照本协议规定时间主动偿还对甲方的欠款及利息。乙方到期还清所有本协议规定 的款项后，甲方收到还款后将借据交给乙方。 甲方指定的还款账户为：- 开户银行： 账户名称: 账号： 五、借款利息 自支用借款之口起，按实际支用金额计算利息，在合同第三条约定的借款期内月利为 ,利息按月结算。借款方如果不按期还款付息，则每逾期一日按欠款金额的何 日万分之八加收违约金。 六、 权利义务 贷款方有权监督贷款使用情况，了解借款方的偿债能力等情况，借款方应该如实提供 冇关的资料。借款方如不按合同规定使用贷款，贷款方冇权收回部分贷款，并对违约 部分参照银行规定加借款合同 因 等 方 平。 乙在守
收罚息。（贷款方提前还款的，应按规定减收利息。） 七、保证条款 1、借款方自愿用做抵押，到期不能归还贷款方的贷款，贷款方有权处理抵押品。借款方到期如数归还贷款的，抵押权消灭。 2、両方自愿为乙方的借款提供连带责任保证担保，保证期限为自乙方借款期限届满之日起二年。保证担保范围包括借款本金、逾期还款的违约金或赔偿金、甲方实现债权的费用（包括但.不限于诉讼费、律师费、差旅费等）。 八、逾期还款的处理： 乙方如逾期还款，除应承担甲方实现债权之费用（包括但不限于甲方支出之律师费、诉讼费、差旅费等）外，还应按如下方式赔偿甲方之损失：逾期还款期限在30门以内的部分，按逾期还款金额每口千分之贰（2%。）的比例赔偿甲方损失;超过30 LI以上部分，按照逾期还款金额每日千分之贰点伍（2. 5%0）的比例赔偿甲方损失。 前款约定的损失赔偿比例，系各方综合各种因素确定。在主张该违约金时，中方无须对其损失另行举证，同时双方均放弃《中华人民共和国介同'法》第一百一I?四条规定的违约金或损失赔偿金调整请求权。 九、合同争议的解决方式 本合同履行过程中发生的争议，由当事人对双方友好协商解决，也町由第三人调解，协商或调解不成的，可山任意一方依法向出借方所在地人民法院起诉。 十、本合同自双方签章之口起生效。本合同一式份，双方各持份。每份均具有同等法律效力。 十一、本合同项下的一切形式的通知、催告均采用书面形式向本合同各方预留的地址发送，如有地址变更，应及时通知对方，书面通知以发送之口起三口届满视为送达。 甲方： 乙方： 连带保证人： 签订约口期： 年月日
借款合同 甲方（出借人）： 乙方（借款人）： 丙方（保证人）： 乙方因周转资金需要，向甲方借款，丙方愿意为乙方借款向甲方提供连带保证担保，现甲、乙、丙各方在平等、自愿、等价有偿的基础上，经友好协商，达成如下一致意见，供三方共同信守。 一、借款用途 乙方要从事经营，急需一笔资金周转，甲方同意出借。 二、借款金额 乙方向甲方借款金额（大写）人民币_________________元整（小写：￥__________元）。 三、借款期限 借款期限为_______，自_______年_______月_______日起（以甲方实际出借款项之日起算）至_______年_______月_______日止，逾期未还款的，按本合同第九条处理。 四、还款方式 乙方应按照本协议规定时间主动偿还对甲方的欠款及利息。 甲方指定的收款账户为： 账号： 账户名称：_________________ 开户银行：_________________ 五、借款利息 自借款之日起，按实际借款金额计算利息，在合同第三条约定的借款期内利息为日息_______，乙方应在借款到期时一并向甲方支付约定的利息。乙方如果不按期还款付息，则自逾期还款之日起利息按日息_______计算。 六、甲方的权利义务 1、按照本合同的约定足额向乙方提供借款（但因不可抗力或乙方原因造成借款迟延交付或者不能交付的除外）。
2、有权向乙方获取借款使用情况的信息，并不定期的对乙方资金和生产经营情况进行监督，对乙方借款资金使用情况进行检查，乙方应予以积极配合。 3、乙方违反本合同约定或者资信状况恶化或者出现其它有损甲方债权的情况，甲方有权提前收回借款。 七、乙方的权利义务 1、乙方应无条件配合甲方对借款使用情况的调查和监督。乙方保证按照本合同约定的借款用途使用借款，不得挪作他用或者将资金投向法律法规禁止或限制的产业。 2、在借款期限内直至还请甲方借款本息之前，未经甲方书面同意，乙方不得对外或者为他人提供任何保证、抵押和质押担保。 3、本合同项下的借款采用担保方式，如担保方式发生了不利于甲方债权的变化，乙方应当按照甲方的要求另行提供甲方认可的其他合法有效的担保。 八、保证条款 丙方自愿为乙方的借款提供连带责任保证担保，保证期限为自乙方借款期限届满之日起三年。保证担保范围包括借款本金、借款利息、逾期还款的违约金或赔偿金、甲方实现债权的费用（包括但不限于诉讼费、保全费、律师费、差旅费等）。 九、逾期还款的处理 乙方如逾期还款，除应承担甲方实现债权之费用（包括但不限于甲方支出之律师费、诉讼费、差旅费等）外，还应按如下方式赔偿甲方之损失：逾期还款期限在30日以内的部分，按逾期还款金额每日千分之贰（2‰）的比例赔偿甲方损失；超过30日以上部分，按照逾期还款金额每日千分之贰点伍（2.5‰）的比例赔偿甲方损失。 十、合同的解除 在本合同的有效期内，乙方发生下列事项的之一的，甲方有权解除合同，宣布本合同下的借款提前到期，要求乙方在规定期限内偿还本金及利息并承担违约责任。 1、拒不配合甲方对借款使用情况的调查和监督。 2、向甲方提供的情况或资料不真实的。 3、未按照本合同约定的用途使用借款的。 4、第三方与乙方发生诉讼，无力向甲方偿还借款本息的。 5、资信状况恶化或者出现其它有损甲方债权的情况。
中信银行个人贷款合同（中英文） CHINA CITIC BANK Personal Loan Contract Code No: 借款人（以下简称甲方）：Borrower (hereinafter called Party A): 身份证件名称及号码：ID name and code No: ID card Number 住所：Address of living place: 联系电话：Post code:邮编：Contact number: 贷款人（以下简称乙方）：Lender (hereinafter called Party B): 住所：Address of living place: 联系电话：Post code:邮编：Contact number: 抵押人：Mortgager: 身份证件名称及号码：ID name and code No: ID card Number 住所：Address of living place: 联系电话：Post code:邮编：Contact number: 出质人：Pledger: 身份证件名称及号码：ID name and code No: ID card Number 住所：Address of living place: 联系电话：Post code:邮编：Contact number:
保证人：Guarantor: 身份证件名称及号码：ID name and code No: ID card Number 住所：Address of living place: 联系电话：Post code:邮编：Contact number: 根据中华人民共和国合同法和担保法的相关规定，甲方、乙方和担保方经过协商，就乙方向甲方贷款事宜达成如下合同条款。 According to the relevant laws and regulations of the Contract Laws and Guarantee Law of the People’s Republic of China, Party A, Party B and the relevant Guarantor, after reaching agreement through negotiations on the loan to Party B by Party A, hereby enter into this contract. 第一条借款金额Article 1 Amount of Loan 详见本合同第十四条第一款。 1.1 The amount of loan is referred to Article 14.1 under this contract. 第二条借款用途Article 2 Purpose of Loan 详见本合同第十四条第二款。 2.1 Purpose of loan for this contract is referred to Article 15.2.
编号：GR-WR-70980 借款合同模板英文(标准 版) After negotiation and consultation, both parties jointly recognize and abide by their responsibilities and obligations, and elaborate the agreed commitment results within the specified time. 甲方：____________________ 乙方：____________________ 签订时间：____________________ 本文档下载后可任意修改
借款合同模板英文(标准版) 备注:本合同书适用于约定双方经过谈判、协商而共同承认、共同遵守的责任与义务，同时阐 述确定的时间内达成约定的承诺结果。文档可直接下载或修改，使用时请详细阅读内容。 借款人： 贷款人： 抵押人： 保证人： 出质人： 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。 借贷条款 第一条借款金额。见36.1 第二条借款用途。见36.2 第三条借款期限。 3.1见36.3。 3.2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。 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article4transferringofloan.thefullamountofloanshallbet ransferredtoanaccountdesignatedbytheborrowerwithi n5workingdaysfromthedateofcompletingborrowingpr ocedure.referto36.4forthefrequency,timeandamountof transferring 第五条借款利率和计息。 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—36—.5。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
STANDARD CONTRACT SAMPLE (合同范本) 甲方：____________________ 乙方：____________________ 签订日期：____________________ 编号：YB-HT-026614 2020最新民间借贷借款合同
2020最新民间借贷借款合同范文(完 整版) 甲方(出借人)：住址： 身份证号码：联系电话： 乙方(借款人)：住址： 身份证号码：联系电话： 丙方(担保人)：住址： 身份证号码：联系电话： 乙方因资金周转需要，现向甲方借款，经甲乙双方友好协商，根据《合同法》《担保法》等相关法律、法规规定达成如下合同以资双方共同遵守： 1、甲方向乙方出借人民币(大写) 小写：￥ . 2、借款期限自年月日至年月日。 3、乙方承诺自借款之日起按月利率25‰支付利息，借款到期日本息一并支付。 4、乙方自愿承担因乙方逾期偿还借款本金及利息导致甲方为实现债权而支出的合理的费用(包括但不限于律师费、诉讼费、差旅费等)。
5、丙方自愿对乙方的借款及利息承担连带责任保证，保证期限为本合同履行期限届满之日起两年，保证担保范围包括借款本息及甲方为实现债权而支出的合理的费用(包括但不限于律师费、诉讼费、差旅费等)。 6、如履行本合同发生争议，通过本合同签订地法院诉讼解决。 7、本合同一式两份，双方签字或盖章后生效。 8、乙方、丙方应向甲方提供身份证复印件，该复印件为本合同的有效组成部分。 注：在签订本合同时甲方已向乙方实际支付上述借款，故乙方不再出具收据。 甲方(出借人)：乙方(借款人)： 丙方(担保人)： 合同签订地： 时间：年月日 房屋抵押借款合同 债权人(以下简称甲方)： 债务人(以下简称乙方)： 乙方急需一笔资金做油漆玻璃投资，需向甲方借款。双方经协商一致同意，在乙方以其房产证(以下简称乙方抵押物)，作为借款抵押物抵押给甲方的条件下，由甲方提供双方商定的借款额给乙方。为此，特订立本合同： 第一条借款内容 1、借款总金额：十万元整。 2、借款用途：本借款用于油漆玻璃投资的需要，不作为其他非法使用。 3、借款期限：时间为一年，即自__起，至__止。