英文借贷合同实例[涉外文书]

### 英文借贷合同实例[涉外文书]

在全球化经济日益融合的背景下，跨境借贷活动日益频繁，涉及不同法律体系与货币单位，因此对借贷合同的精确性和法律适用性要求极高。本文旨在提供一个涉外英文借贷合同的实例，以供参考与学习。请注意，此示例仅为教学用途，实际应用时务必由专业法律顾问根据具体情况调整，确保合同的合法性与有效性。

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**LOAN AGREEMENT**

**THIS LOAN AGREEMENT (the \”Agreement\”) is made and entered into on [Date] by and between [Lender\’s Name] (the \”Lender\”), a [Lender\’s Country] corporation with its principal place of business at [Lender\’s Address], and [Borrower\’s Name] (the \”Borrower\”), a [Borrower\’s Country] entity with its principal place of business at [Borrower\’s Address].**

**RECITALS**:

Whereas, the Borrower desires to obtain a loan from the Lender for the purpose of [specify purpose], and the Lender is willing to make such a loan upon the terms and conditions set forth herein.

**NOW, THEREFORE, in consideration of the premises and the mutual covenants and agreements contained herein, the parties agree as follows**:

**1. LOAN AMOUNT AND PURPOSE**: The Lender agrees to lend to the Borrower, and the Borrower agrees to borrow from the Lender, the sum of [Loan Amount] (the \”Loan\”). The proceeds of the Loan shall be used solely for the purpose of [specify purpose].

**2. REPAYMENT SCHEDULE**: The Loan shall be repaid in full on or before [Repayment Date]. The Borrower shall pay interest on the outstanding principal balance at an annual rate of [Interest Rate]%, compounded [quarterly/annually], starting from [Interest Accrual Start Date].

**3. COLLATERAL**: The Borrower shall provide [describe collateral, if any] as security for the repayment of the Loan and performance of all obligations under this Agreement. In the event of default, the Lender shall have the right to enforce its security interests in accordance with applicable law.

**4. REPRESENTATIONS AND WARRANTIES**: The Borrower represents and warrants that:

– It has the full power and authority to enter into this Agreement and to perform all obligations hereunder;

– The execution and delivery of this Agreement and the performance by it of its obligations hereunder do not and will not violate any applicable law, rule, regulation, order, judgment, or decree;

– The statements made in or attached to this Agreement are true and correct;

– It will use the Loan proceeds solely for the purpose specified herein.

**5. COVENANTS**: The Borrower covenants that:

– It will promptly notify the Lender of any material adverse change in its financial condition or business affairs;

– It will maintain proper accounting records and make them available to the Lender upon request;

– It will not incur any additional indebtedness without the prior written consent of the Lender, unless such indebtedness is incurred in the ordinary course of business;

– It will comply with all applicable laws and regulations relating to the use of Loan proceeds.

**6. EVENTS OF DEFAULT**: The occurrence of any of the following events shall constitute a default under this Agreement:

– Failure to pay any principal or interest when due;

– Breach of any representation, warranty, covenant, or agreement contained in this Agreement;

– Insolvency, bankruptcy, or appointment of a receiver or trustee for the Borrower;

– Any other event that, under applicable law, would permit acceleration of the debt.

**7. REMEDIES UPON DEFAULT**: In case of default, the Lender shall have, in addition to all other remedies available at law or in equity, the right to declare all outstanding amounts immediately due and payable, enforce its security interests (if any), and charge default interest at a rate [Default Interest Rate]% higher than the contractual interest rate until full payment is made.

**8. GOVERNING LAW**: This Agreement shall be governed by and construed in accordance with the laws of [Governing Country], without giving effect to its conflict of laws provisions. Any dispute arising out of or in connection with this Agreement shall be resolved exclusively by [specify dispute resolution mechanism, e.g., arbitration or litigation in a specific jurisdiction].

**9. ENTIRE AGREEMENT**: This Agreement constitutes the entire agreement between the parties and supersedes all prior negotiations, understandings, and agreements between them relating to the subject matter hereof. No amendment or waiver of any provision of this Agreement shall be effective unless in writing and signed by both parties.

**10. COUNTERPARTS**: This Agreement may be executed in counterparts, each of which shall be deemed an original but all of which together shall constitute one and the same instrument. Facsimile or electronic signatures shall be deemed to be original signatures for all purposes.

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**IN WITNESS WHEREOF,** the parties have executed this Agreement as of the date first above written.

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**LENDER**:

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**[Authorized Signatory\’s Name]**

**[Title]**

**[Signature]**

**[Date]**

**BORROWER**:

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**[Authorized Signatory\’s Name]**

**[Title]**

**[Signature]**

**[Date]**

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**DISCLAIMER**: This sample contract is provided for educational purposes only. It is not a substitute for professional legal advice tailored to your specific circumstances. Before using any contract template, consult with a qualified attorney licensed in your jurisdiction to ensure compliance with local laws and regulations.