Correct answer: a
The basic interest rate, loan types, use factors and related details of the loan contract.
2. What does the bank loan contract include?
The bank loan contract includes the following contents:
1. loan purpose;
2. Loan amount, loan interest. From the date when the loan is used, the interest shall be calculated according to the actual amount used, and the compound interest shall be calculated. According to the contract;
3. During the loan period, the annual interest is _ _ _ _ _. If the borrower fails to repay the loan on time, interest will be charged for the overdue part.
4. Term of the loan. The borrower guarantees to repay the loan at the interest specified in this contract from _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _. For the unpaid part of loans overdue, the lender has the right to recover the loan within a time limit;
5. Changes in terminology. When it is necessary to change the terms of the contract due to the change of the national interest rate, both parties shall sign the documents to change the contract as an integral part of this contract;
6. Rights and obligations. The borrower shall truthfully provide relevant information. If the borrower fails to use the loan as stipulated in the contract, the lender has the right to recover part of the loan, and collect the default interest according to the regulations of the bank. If the lender repays the loan in advance, the interest will be reduced according to the regulations;
7. Settlement of Contract Disputes Disputes arising from the performance of this contract shall be settled through friendly negotiation by both parties or mediation by a third party. If negotiation or mediation fails, either party may appeal to the people's court according to law;
8. Where there is no agreement in this contract, the relevant provisions of People's Republic of China (PRC) Contract Law shall prevail.
3. What are the main terms of the bank loan agreement?
Legal analysis: The bank loan agreement mainly includes the names of the borrower and the entrusted lender, loan amount, loan purpose, loan term, loan interest rate and interest, payment plan and repayment plan, interest payment method, deduction method, contract modification and termination, main rights and obligations of both parties, liability for breach of contract, etc.
Legal basis: China People's Bank Law of the People's Republic of China.
Article 28 The People's Bank of China may decide the amount, term, interest rate and method of loans to commercial banks according to the needs of implementing monetary policies, but the loan term shall not exceed one year.
Article 29 The People's Bank of China shall not overdraw the government finance, and shall not directly subscribe for or underwrite government bonds and other government bonds.
Article 30 The People's Bank of China shall not provide loans to local governments and government departments at all levels, and shall not provide loans to non-bank financial institutions and other units and individuals, unless the State Council decides that the People's Bank of China may provide loans to specific non-bank financial institutions.
The People's Bank of China shall not provide guarantee to any unit or individual.