Each referred to as a “Party” and collectively as the “Parties”.
This Loan Agreement, hereinafter referred to as “Agreement”, is entered into and made effective
upon signature by both Parties.
WHEREAS, the Lender agrees to lend to the Borrower [Insert Loan amount] and the Borrower owes the Lender [Insert Loan amount] (the "Loan") with interest on the unpaid Loan at the rate of [Insert rate of interest denoting a percentage] per annum, on [Insert date of which loan is being signed]; and
WHEREAS, the Borrower and the Lender desire to enter into an agreement whereby the Borrower shall pay the Lender the sum of the Loan and interest on a payment plan according to the terms and conditions herein:
NOW, THEREFORE, in consideration of the mutual covenants and promises made by the parties hereto, the Borrower and the Lender covenant and agree as follows:
The Parties agree the Lender will loan the Borrower [Insert Loan amount].
The Borrower agrees and acknowledges that the Borrower owes the Lender an amount of money equal to the Loan as defined above.
The Borrower hereby represents and warrants that this Agreement and the payment plan herein have been developed in a manner that the Borrower reasonably believes he can pay the Lender without further interruption notwithstanding an additional change in circumstances.
The Parties hereby agree to the payment plan (the "Plan") described as follows:
4.1 Installments: By this Agreement, it is agreed that a payment in the amount of [Insert amount] will be surrendered to the Lender annually/monthly/weekly/other on [Insert date/day] of each year/month/week/other.
4.1.1 The Borrower will continue to make payments according to this schedule until the total Loan and accrued interest is repaid on [Insert date] (“the Due Date”).
4.1.2 Unpaid principal after the Due Date listed above shall accrue interest at a rate of [Insert rate the Borrower will be paying on principal that has not been repaid by the due date denoting a percentage] annually until paid. Or;
4.2 Lump Sum: By this Agreement, it is agreed that the Loan and accrued interest shall be payable in full on [Insert date].
4.2.1 Unpaid principal after the Due Date listed above shall accrue interest at a rate of [Insert rate the Borrower will be paying on principal that has not been repaid by the due date denoting a percentage] annually until paid. Or;
4.3 Due on Demand: By this Agreement, it is agreed that the unpaid Loan and accrued interest shall be payable in full on any future date on which the Lender demands repayment.
4.3.1 Unpaid principal after the Due Date listed above shall accrue interest at a rate of [Insert rate the Borrower will be paying on principal that has not been repaid by the due date denoting a percentage] annually until paid.
Payment shall be made to the Lender in accordance with the Plan via [Cash/Check/Money Order/Automatic Bank Withdrawal/Other]
5.1 The Borrower will make payment using this method unless prior written approval from the Lender allows otherwise.
The Borrower reserves the right to pay off any remaining amount due, in full, before the Due Date, with no prepayment penalty. If the entire amount is paid off by [Insert date by which the amount needs to be paid off to get a discount for early payment], the Borrower will receive a discount as follows:
[Insert description of the discount the Borrower will receive for repaying the loan before the due date].
This Agreement is secured by the following collateral ("Collateral"):
[Insert description of the collateral that is being used to secure the loan]
7.1 Until this Loan is paid in full, the Borrower grants the Lender a security interest in the Collateral. The Borrower hereby agrees to list the Lender as a lender on the title of the Security, regardless of the Lender's choice to perfect the security interest.
7.2 If the Borrower defaults on this Agreement and does not make payment for [Insert number of days] after it is demanded by the Lender, the Collateral will revert to the Lender and all rights in the ownership of such Collateral will belong to the Lender.
The following events constitute default of this Agreement and upon their occurrence, the entirety of any remaining amount due shall become immediately payable:
8.1 Borrower's failure to pay the Principal Sum or any accrued interest when such payments are due;
8.2 Borrower's insolvency;
8.3 Borrower's death, incompetency; liquidation, or dissolution;
8.4 Borrower's making of a general assignment for the benefit of Borrower's creditors;
8.5 Borrower's filing of any bankruptcy proceedings;
8.6 Any application for the appointment of a receiver for the Borrower; or
8.7 Borrower's misrepresentation to the Lender for the purposes of obtaining this Agreement
In the event of a dispute resulting in legal action, the successful Party will be entitled to its legal fees, including, but not limited to its attorneys’ fees, collection fees and the like.
In the event any provision of this Agreement is deemed invalid or unenforceable, in whole or in part, that part shall be severed from the remainder of the Agreement and all other provisions should continue in full force and effect as valid and enforceable.
The failure by either Party to exercise any right, power or privilege under the terms of this Agreement will not be construed as a waiver of any subsequent or further exercise of that right, power or privilege or the exercise of any other right, power or privilege.
The Lender may assign this Agreement with written notice to the Borrower. In the event of such assignment, the assignee may designate a new method of payment if desired.
The Parties agree that this Agreement shall be governed by the State and/or Country in which both Parties reside/do business. In the event that the Parties reside/do business in different States and/or Countries, this Agreement shall be governed by [Insert State and/or Country] law.
The Parties acknowledge and agree that this Agreement represents the entire agreement between the Parties. In the event that the Parties desire to change, add, or otherwise modify any terms, they shall do so in writing to be signed by both parties.
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Um contrato de empréstimo simples é um acordo entre duas partes - o mutuário e o credor - que detalha e formaliza os termos de um empréstimo. Embora um contrato de empréstimo seja frequentemente caracterizado como um acordo unilateral que estabelece os termos de reembolso, tais contratos são na verdade bidirecionais, detalhando obrigações por parte tanto do credor quanto do mutuário.
Instituições financeiras que oferecem empréstimos pessoais simples incluem:
Mesmo que você esteja emprestando dinheiro para a família ou um amigo próximo, pode ser uma boa ideia redigir um contrato de empréstimo simples.
Seja você pegando dinheiro emprestado de um banco ou instituição financeira ou elaborando um contrato de empréstimo pessoal para emprestar com segurança para amigos ou família, um contrato de empréstimo simples é o contrato que você procura.
Primeiro, inclua todos os detalhes necessários e relevantes para que tanto você quanto o mutuário estejam protegidos.
Certifique-se de que seu contrato de empréstimo contenha os seguintes detalhes:
Mesmo que seu negócio não ofereça produtos como empréstimos pessoais e hipotecas na indústria de serviços financeiros, você ainda pode se encontrar emprestando dinheiro para indivíduos ou outras empresas em certas ocasiões.
Um contrato de empréstimo é mais robusto e oferece mais proteção para ambas as partes do que outros documentos, como um IOU ou Nota Promissória. Se você está emprestando uma quantia significativa de dinheiro para um indivíduo ou outra empresa, faz sentido ter o máximo de proteção legal possível. Fazê-lo entrega confiança e tranquilidade e garante que você tenha um mecanismo para recuperar o empréstimo caso a outra parte não o reembolse conforme acordado.
A responsabilidade de gerenciar os acordos de empréstimo geralmente cabe ao credor. Mas em algumas situações, o mutuário iniciará o contrato.
Faz sentido que o credor tenha a responsabilidade, pois é provável que tenha mais poder e recursos e, portanto, pode impor seus termos sobre a outra parte.
Independentemente de quem cria o contrato, o modelo de contrato de empréstimo do Contractbook ajuda você a elaborar um contrato que se adapte 100% às suas necessidades. Nosso modelo garantirá que você cubra todos os detalhes e cláusulas relevantes e garantirá que você e o mutuário desfrutem de uma proteção rigorosa do seu contrato de empréstimo, aumentando as chances de uma transação positiva onde seu negócio receba os pagamentos esperados.
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