To Mr. Charles Green
May. 18, 2010
I. O. U. three thousand U.S. dollars (U.S. $3000) only, within one year from this date with annual interest at four percent (4%).
David Smith
兹借查尔斯·格林先生叁仟美元(U.S. $3000),年息四厘,自即日算起,一年内归还。
借款人
戴维·史密斯
2010年5月18日
扩展资料
在填写借条时,应注意以下事项:
1.应写清楚借款人和放款人的法定全名,最好能附一个身份证号码;
2.应写清楚借款金额,包括大写和小写的金额;
3.应写清楚借款时间期限,包括借款的起止年月日和明确的借款期限;
4.应写清楚借款的利息,应有明确的年利率或月利率,最终应支付的借款利息总额(包括大写和小写金额),以及支付方式等约定;
5.应写清楚借款本息偿还的年月日时间及付款方式;
6.应有借款本人亲自签章、手印或亲笔书写的签字。
7.如数额较大也应注明借款用途,或交付款记录。
Dear Sir/Madame,
I am a sophomore in Beijing University, majoring in computer science. I am writing to apply for a financial aid for my study in college.
I would like to explain more about my situation here. Since I registered here, the expenses have been exerting a negative impact on my study. My mother has suddenly fallen ill and is expecting a major operation. It is beyond my parents ability to finance me through my remaining education and the income I make from my part-time jobs is far from sufficient to finance my own tuition fees. Hence, it is essential for me to get a loan of no less than 10,000 yuan. If my application is approved, all the money will go to my tuition and fees for the coming academic year.
From the part-time job opportunities offered by programs in my school, I will be able to earn more than enough to cover my daily expenses. I have a very good credit record. In addition, lenovo, a computer company, has shown great interests in a software that I designed and promised me a 5000 Yuan monthly salary to start with if I decide to pursue my career there after graduation. So, I can definitely guarantee a repayment of my loan in the coming three years.
I would be greatly obliged if my application is granted. Many thanks.
Yours sincerely,
Li Ming
Dear Sir/Madame,
I am a sophomore in Shanghai University, majoring in computer software. In the previous one and a half years I have been a model student and monitor of my class.
However, since I registered here, the expenses have become a burden for my average family. You know, my parents are both laid-off workers, and, to make matters worse, my mother has suddenly fallen ill and is expecting a major operation. It will be beyond their ability to finance me through my remaining education. It is now a must for me to help relieve their financial pressure. So I'm applying to your bank for a loan of 10,000 yuan. If my application is approved, all the money will go to my tuition and fees for the coming academic years.
I've made a detailed plan to arrange my school life. A part-time job as a family tutor will not be difficult to find and some work-study programs for students like me are also provided in our university. From these sources I will be able to earn more than enough to support myself. I guarantee that I will repay the loan within five years, that is, within two years after my graduation. Please have confidence in me: I have a very good credit record.
I would be greatly obliged if my application is granted. Many thanks.
Yours sincerely,
Li Ming
嘎嘎~~ 过时的样本! HOHO~
甲方(以下称为“贷款人”)已于2011年6月1日给予乙方(以下称为“借款人”)2,000,000美元总金额。双方同意,这笔款项是由借款人欠贷款人的债务。
应计利息按照贷款未还余额以年息百分之4、每月复利计算。应计利息应加入至未还余额。
借款人应当在每月25日向贷款人支付。每次付款不得低于$X.00
如果逾期付款,则将$Y罚款加入至贷款未还余额。
如果借款人出具的支票被退回或者拒付,则将$Z费用加入至贷款未还余额,并且所有未来的付款只能采用确保可被接受的方式(现金,汇票,保付支票)。
所有欠款余额应当在不迟于MM / DD / YYYY全部偿还。
如所有欠款余额在MM / DD / YYYY未全部偿还,或者借款人未能在付款到期日之后30天之内付款,则贷款人有权要求全部余额立即到期,并采取必要的法律措施收回债务。
任何及所有有关收回债务的成本应加入至借款人所欠的金额。
如果债务进入收回阶段,利息将增加到每年XX%、每月复利计算,并且在每个月的第X日加上$Y罚款,直至全部债务清偿。
为表示双方接受并同意本债务协议的所有条款,贷款人与借款人签字如下。
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36.1Article 1. Amount of loan: Refer to 36.1第二条 借款用途。
见36.2Article 2. Purpose of loan: Refer to 36.2第三条 借款期限。Article 3. Life of loan3.1见36.3。
3.1 Refer 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。3.2 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 Article 4 Transferring of loan. The full amount of loan shall be transferred to an Account designated by the Borrower within 5 working days from the date of completing borrowing procedure. Refer to 36.4 for the frequency, time and amount of transferring第五条 借款利率和计息。
Article 5. Interest rate of loan and calculation5.1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款人计收罚息,罚息率见36.6。5.1 Interest rate of loan: The interest rate under this Contract is specified in 36.5 in line with relevant rules. In case of change of interest rate, the interest rate stipulated in the Contract shall prevail for loans with a life of less than or equal to one year; For loans with a life exceeding one year, the interest shall be calculated on a multi-stage basis, i.e. From next Jan. 1st following the adjustment of interest rate, the new rate shall prevail. In case the Borrower fails to repay the principal and interest before the due date, or fails to use the loan for purposes as agreed in this Contract, the lender shall be entitled to collect default interest in line with relevant rules. The default interest rate is specified 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。
5.2 In case of calculating interest on multi-stage basis due to adjustment of interest rate, the lender shall be entitled to adjust the interest rate on his own without further notice to the Borrower.第六条 还款方式。Article 6 Type of Repayment of Loan6.1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。
6.1 The Borrower should open an account with the Lender( The account name and account number are specified in 36.7.) and promise to deposit sufficient money for repayment before each due date. The Borrower hereby authorizes the Lender to collect , if any, compound interest, default interest, liquidated damage, premium, compensation and expenses arising from the realization of creditor's right (including lawyer's fee and court expense)in addition to due principal and interest of loan. In case the asset in this Account is not enough for repayment of due principal and interest, the Lender shall be entitled to collect from any Account opened by the Borrower with any branch of ICBC.6.2贷款人与借款人双方商定,自贷款发放次月起,借款人按月归还贷款本息(一次性还本付息除外),还款期数及还款方式见 36.8 。6.2 The Borrower shall repay the principal and interest on a monthly basis (Except repaying principal and interest in a lump sum) from the second month following the issuing of loan , as agreed between the Borrower and Lender. The repayment tenors and 。
A Letter of Application for a Student Loan.
To whom it may concern,
I am writing to you to apply for a student loan. As a freshman from the English Department, I have financial difficulties in continuing my study.
There are five members in my family. My father is the only breadwinner of the whole family while my mother was laid off two years ago. My grandmother has been suffering a chronic illness for more than five years. My younger brother is now studying in high school. I took some part time jobs during the summer vacation, but what I have earned is far from enough for me to pay the required tuition fees. In order to continue my study, I have to apply for a student loan.
If my application is approved, I will make good use of the money and put my heart into study. I will definitely pay back the loan on time according to the terms of repayment. I hope that you will consider my application. Looking forward to your reply.
Yours sincerely,
XXX
一、欠条写作要注意以下事项:1、欠条是付还欠物、欠款或索要欠物、欠款的凭据,所以在写欠条时不可潦草从事。
同时欠条要好好保存,以防丢失。2、欠条乃人们在日常交往中的一种借还凭证,一般不具有法律的约束力,因此必要时可在立欠条时经由一定的法律程序,以防后患。
3、欠条务必要字迹清晰,不可涂改。若不得不改动的,则需由改动方在改动处加盖公章(私 章)或个人签名。
4、钱款数字要大写。5、要注意欠条与借条有所不同,欠条适用范围比借条要广泛,借条约定的事项表明的债权债务关系比欠条要更为清楚、明确。
欠条一般由标题、正文、落款三部分组成。(一)标题欠条的标题一般由文种名构成,即在正文上方中间以较大字体写上“欠条”两字。
也有的在此位置写上“暂欠”或“今欠”字样作为标题,但这种标题正文则在下一行顶格写。(二)正文欠条的正文要写清欠什么人或什么单位什么东西、数量多少,并要注明偿还的日期。
(三)落款落款要署上欠方单位名称和经手人的亲笔签名,是个人出具的欠条则需署上立欠方个人的姓名。并同时署上欠条的日期。
单位的要加盖公章,个人的要加盖私章或按手印。二、范文欠 条XXXX年3月份借到王XX人民币捌拾万元整,特留此据,作为凭证。
张XX(签名盖章或按手印)XXXX年*月*日欠 条XXXX年3月份借到王XX人民币捌拾万元整,今补欠条,作为凭证。张XX(签名盖章或按手印)XXXX年*月*日欠 条原借杜XX同志人民币叁佰圆整,已还壹佰伍拾万元整,尚欠壹佰伍拾万元整,两个月内还清。
刘XX(签名盖章或按手印)XXXX年*月*日还是来中文的吧。