Loan agreement refers to a loan agreement, a form that is needed when applying for a loan. The so-called bank loan agreement refers to the letter of intent issued by the lending bank to the borrower to agree to the loan. Its main purpose is to prove the borrower's credit status and repayment ability, which has legal effect in essence. However, there is also a time limit.

Generally speaking, the validity period of bank loans is 1-3 months. According to the report, there are some differences in the loan books of banks. The loan books of some banks clearly indicate the loan amount and interest rate, that is, within the validity period of the loan book, the borrower will implement the relevant matters agreed in the loan book.

Extended data:

Loan principle:

The "three principles" refer to safety, liquidity and efficiency, and are the fundamental principles of commercial banks' loan operation. Article 4 of People's Republic of China (PRC) Commercial Bank Law stipulates: "Commercial banks should operate independently, bear their own risks, be responsible for their own profits and losses, and be self-disciplined, and take safety, liquidity and efficiency as their operating principles."

1, loan security is the primary problem faced by commercial banks;

2. Liquidity refers to the ability to recover the loan within a predetermined period or realize it quickly without loss of land, so as to meet the needs of customers to withdraw deposits at any time;

3. Efficiency is the basis of sustainable operation of banks.

Bank loan commitment letter

With the continuous progress of society, the commitment letter is closely related to our lives. If approved by the contract, it can be performed as part of the contract. There is always nothing to write when writing a commitment letter? The following is the 10 bank loan commitment letter I compiled for you, which is for reference only and I hope it will help you.

Bank loan commitment letter 1

According to the Loan Contract signed between the borrower and the borrower and the Mortgage Contract signed between the mortgagor and the mortgagee, the property owner and the property * * * agree to mortgage the property located in _ _ _ _ _ _ _ _ _ _ _ _ _ (No.:BuildingNo.). _ _ _ _ _ _) to the borrower.

Borrower's _ _ _ _ ID number: I use _ _ _ _ yuan as mortgage loan, and now I make the following commitments on relevant matters:

1. I voluntarily apply for a loan for my own use. The information I provided when applying for a loan is true and valid:

Two. I promise to use the loan funds according to the purposes agreed in this contract; Do not use the loan funds for other purposes; If there is a violation; The responsibility is borne by me;

3. I have known the monthly repayment date and repayment amount of this loan, and I promise to deposit the loan principal and interest of the current month into the borrower's repayment account on time on the monthly repayment date. Repayment account number: _ _ _ _ _ _ _ _ _ _ _ _ _ Authorized bank to deduct the loan principal and interest of the current month from this account. If I can't repay the loan on time, I will bear the responsibility:

4. It also promises that if the loan fails to be repaid at maturity, it is agreed that the borrower will dispose of the mortgaged property according to law, and the proceeds will give priority to repaying all the loan principal and interest.

Verb (abbreviation of verb) I have agreed and signed the loan contract, and I fully know and understand the responsibilities and related obligations stipulated in the contract. I have understood and promised to abide by the above matters. If I violate the above matters, I am willing to bear corresponding legal responsibilities.

Signature and handprint of the promisor (borrower):

Signature and handprint of the promisor's spouse (borrower's spouse):

Signature and handprint of guarantor:

Signing place:

Date of signature: year, month and day.

Bank loan commitment II

I come from a poor peasant family. My elderly parents farm at home, mainly farming and raising silkworms. My monthly income is about 300 yuan to 400 yuan. Although my married brothers and sisters never forget to support my younger brother Mo Jianfeng (a freshman in Guangdong Industry and Trade Vocational and Technical College), and we also scrimp and save, we still feel great economic pressure. (Basic Family Information)

Last semester, in order to reduce the financial burden of my parents, I spent more precious time on interviews and work. The imbalance of food also makes me not in a good mental state to study, so my academic performance is not so ideal. But now I am not the student who once felt inferior for money. I adjusted my mentality, positive and optimistic, put learning first, work hard, learn knowledge well, and serve and repay the society better! (Personal study, mental state)

I firmly and solemnly promise that I will pay off the loan before the loan deadline! (repayment commitment)

On the date of _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ If you don't repay the arrears in time according to the above time limit, you are willing to bear all legal consequences and compensate the lender for all economic losses.

Hereby promise!

Commitment: _ _ _ _ _ _ _ _ _

Id card: _ _ _ _ _ _

Tel: _ _ _ _ _ _

Date: _ _ _ _ _ _

Bank loan commitment 3

Name: _ _ _ _ _ _ Gender: _ _ _ _ _ Annual income: _ _ _ _ _ _

Relationship with the borrower: □ spouse □ parents □ children □ friends □ others.

Marital status: □ Married □ Unmarried

ID number: _ _ _ _ _ _ _ _ Tel: _ _ _ _ _ _ _ _ _ Phone number: _ _ _ _ _ _ _ _ _ Phone number

Work unit: _ _ _ _ _ _ _ Work unit Tel: _ _ _ _ _ _

Company Address: _ _ _ _ _ _ _ Company Name: _ _ _ _ _ _ _ _ _ Company Name: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

_ _ _ _ _ _ _ Town Bank Limited:

I hereby solemnly promise:

1. The contents and attached materials in this letter of commitment are true and complete, and your bank can copy them and keep them as the basis for the loan. If the above information is untrue and causes losses to your bank, I am willing to bear the corresponding legal responsibilities.

2. The marital status filled in this letter of commitment is completely true. If the marital status is untrue and causes losses to your bank, I am willing to bear the corresponding legal responsibilities.

3. I am willing to take joint responsibility for the repayment of the following items.

1. Single loan: under the loan contract (loan amount _ _ _ _ _ _ _); All debts (including loan principal, interest, overdue penalty interest, liquidated damages, damages, expenses for realizing creditor's rights, etc.). The loan term of) (_ _ _ _ _ _);

2. Maximum guaranteed loan: according to the maximum guaranteed loan contract (loan principal _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

3. Maximum mortgage loan: according to the maximum mortgage contract (loan principal _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _)

If the above-mentioned relevant contracts are cancelled or deemed invalid, it will not affect the repayment responsibility of the promisor.

Four. Under the following circumstances, I authorize your bank to inquire about my personal credit report through the basic database of personal credit information of the People's Bank of China or investigate and verify my credit status with relevant parties:

1. Review and issue loans involving my repayment obligations;

2. Check the loans that I have the same repayment responsibility after lending.

At the same time, you are authorized to submit and modify your personal credit information to the basic database of personal credit information of the People's Bank of China.

This letter of commitment, as an annex to the above-mentioned relevant contracts, is irrevocable once it is made.

I have reviewed and fully understood the above related contracts, and have no objection.

Commitment (signature): _ _ _ _ _ _ _ _ _ _ _

Date of signing: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Article 4 of the bank loan commitment

I. _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ And promise to abide by the following terms:

1. When the borrower guarantees that the real estate is mortgaged, the real estate is not mortgaged by any third party and the mortgage is complete.

2. The borrower guarantees that it has complete property rights to the set real estate and there are no defects.

Three, the borrower signed the "loan contract" before the termination, shall not terminate the mortgage terms.

Four. The borrower guarantees that the mortgaged property will not be sold, demolished, rebuilt or donated without authorization during the mortgage period, and its use nature will not be changed.

5. In the future, the mortgagor shall bear debts and legal responsibilities for all property rights and mortgages.

Once I sign, this mortgage guarantee is legally binding on me.

Hereby promise

Mortgagor: (signature handprint)

Signature time: year month day.

Article 5 of the bank loan commitment

_ _ _ _ _ Trust Limited Liability Company:

Whereas:

1. Your company signed a trust loan contract (hereinafter referred to as the "loan contract") with the number of _ _ _ _ _ _ _ _ (hereinafter referred to as the "borrower").

2. The borrower is a high-quality credit customer of our bank, and our bank has approved a qualified and effective credit line for it. The letter of credit was approved by our head office. According to the borrower's application, we are willing to provide unlimited joint liability guarantee for the principal, interest and related expenses under the loan contract, and promise to repay or pay the principal, interest and other expenses on time according to the above loan contract, and make the following solemn commitments to you:

1. During the loan duration under the above loan contract, the Bank will continue to manage the creditor's rights under the loan contract according to the standards of self-operated loans.

2. If the borrower still has outstanding trust loan principal and interest and other payables on the loan maturity date (including early maturity date) agreed by the borrower and your company under the above loan contract, our bank will voluntarily and unconditionally fulfill the repayment obligation for the borrower on the loan maturity date, or transfer the creditor's rights with the unpaid loan principal and interest and other payables as consideration, and pay the payables to the account designated by your company, with the specific amount subject to your written notice. Otherwise, we will voluntarily assume the liability for breach of contract to your company according to the standard of 0.05% of the overdue amount per day.

Three. Undertake unconditional joint and several liability guarantee for the obligations of the borrower in the above loan contract.

Four. This letter of commitment has been passed by the internal resolution of the Head Office of the Bank, which is used to approve or authorize the Bank to provide guarantee for the creditor's rights of the above loan contract, and the Bank promises that this letter of commitment is legal, true and effective.

This Letter of Commitment is irrevocable, and takes effect from the date of issuance until the date when the principal and interest of the loan under the loan contract are fully paid off. Please take good care of it.

I hereby promise.

(The copy of this letter of commitment is invalid)

_ _ _ _ _ Bank

_ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Article 6 of the bank loan commitment

_ _ _ _ _ _ _ _ _ _ Guarantee Company:

Company, legal representative (ID number:), the guarantee company recommended a loan of RMB 10000 to the bank, which was guaranteed by the guarantee company. Now I promise as follows:

1. Before the bank loan:

1. Pay the deposit, guarantee fee, advance payment of affiliated fee and other expenses required by the guarantee company in full;

2. Pay the store rent, water, electricity, network, closed circuit, telephone, sanitation and property management fees in full;

3. If mortgage is needed, a corresponding amount of commodities shall be invested before the loan is made; If the goods are not purchased and cannot be put into storage in time, they will first pay a considerable sum of money to the market to pledge the goods.

4. Purchase bank wealth management products such as property insurance and life insurance as required by the bank.

Second, after the loan.

1. Within two days after the loan is issued, transfer the loan in full to the purchase and sale provided to the bank in time.

The bank account of the supplier in the contract, and submit a copy of the transfer voucher to the guarantee company;

2. Provide full value-added tax invoices on time as required by the bank;

3, according to the requirements of the bank to do a good job of loan issuance.

4. Pay interest in full and on time according to the date stipulated by the bank, and pay off the loan in full and on time;

5. Provide the monthly report and other required information to the guarantee company on time every month. I solemnly promise to fulfill the above obligations of the loan customers. If I can't lend or renew my loan because I don't honor my promise, I have no complaints, which has nothing to do with the guarantee company and the bank.

Commitment:

Legal representative (signature):

Date, year and month

Article 7 of the bank loan commitment

My name:, work unit:

My name:, work unit:

2065 438+0x 10 borrowed from liangzi lake Finance Bureau 10000 yuan.

Yuan only (in words: whole). Repay on the date of 20 1x, and make the following commitments after the deadline:

1. I guarantee that my future work income (or money raised) will only be used to repay the loan, and the repayment time will be between the 5th of each month and 10. The repayment method is mainly cash, and bank transfer is only provided to liangzi lake Credit Union. The Finance Bureau of Liangzihu District shall issue a corresponding receipt after receiving the payment.

2. Abide by national laws and regulations.

I agree to mortgage my bid.

4. If I want to study abroad or settle down for any reason, I am willing to go through the relevant procedures for going abroad (territory) after paying all the arrears.

5. During the overdue period, if I change the work unit or home address, contact information and other related information for any reason, I promise to feed back the information to the Liangzihu District Finance Bureau in time. If the feedback information is not timely, the legal responsibility shall be borne by myself.

6. I promise to pay off my debts before 20 1x, be an honest person and keep my word.

7. This letter of commitment is made in triplicate, one kept by the Finance Bureau of Liangzihu District, and the other two kept by myself.

Home address:

Postal code:

Work unit:

My contact telephone number:

ID number:

Signature of both parties:

Signature of both parties:

20 1x mm DD YY

Bank loan commitment 8

Xxx financing guarantee co., ltd.:

This is to certify that xxx (hereinafter referred to as the debtor) signed a counter-guarantee contract on, and accepted the entrustment of your company to provide a loan guarantee of RMB10,000.00 yuan (in words: RMB10,000.00 yuan only). In order to safeguard the legitimate rights and interests of your company, I am willing to provide counter-guarantee for the debtor in the form of unlimited joint liability, and promise as follows:

1. I agree to assume unlimited joint and several liability for all debts of the debtor in the counter-guarantee contract and possible future repairs and supplementary clauses; If the debtor fails to repay all debts in full and on time as promised in the counter-guarantee contract, causing losses to your company, I promise to unconditionally pay the above amount to your company within seven days after receiving the dunning notice from your company.

Two, I used to pay off the debts of the debtor's assets and interest, including but not limited to:

1. My salary, labor remuneration, royalties, interest, dividends, equity, bonuses, cash and marketable securities obtained from property leasing and property transfer, as well as royalties and transfer fees obtained from exclusive rights such as trademarks and patents.

2. All deposits, real estate, automobiles, equipment, land use rights, contracted lease management rights and other properties and rights in my name.

3. This letter of guarantee is irrevocable. Under the following circumstances, the legal effect and continued performance of this letter of guarantee will not be affected regardless of my consent or prior notice:

1. There is any change in the identity and status of any party involved in this guarantee.

2. Any party involved in this guarantee is merged, divided, discontinued, revoked, bankrupt or changes its name, domicile, articles of association, legal representative, business scope, enterprise nature or any instructions from its superior unit or signs any agreement with any unit.

4. In any case, before your company has fully recovered the guarantee compensation, regardless of whether I have partially fulfilled the repayment obligation to your company, I can only exercise my creditor's rights against the debtor after your company has fully recovered the compensation.

5. Your company's tolerance, grace or delay in exercising the rights under the counter-guarantee contract and this guarantee for the debtor and myself shall not be regarded as your company's waiver of the rights and interests under this guarantee, nor shall it affect my performance of various obligations under this guarantee.

6. This guarantee shall come into effect as of the date when I sign it, until all the secured creditor's rights provided by your company under the counter-guarantee contract are paid off.

7. This guarantee is made in duplicate, one for your company and one for yourself.

I formally promise: I voluntarily agree to bear joint and several liability for the above-mentioned debts of the borrower in your bank with all the property of myself and my family, and bear unlimited liability for compensation. At the same time, I voluntarily give up the right of defense in dealing with collateral.

Name of promisor:

ID number:

Address: Postal Code:

Address Phone: Mobile Phone:

Article 9 of the bank loan commitment

BAIC automobile co., ltd (hereinafter referred to as the company)

(hereinafter referred to as "_ _ _ _ _") and (hereinafter referred to as "loan bank") signed _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

The Company undertakes the repurchase responsibility for the loan repayment of _ _ _ _ _ _ _ _, and enjoys the right of recourse to _ _ _ _ _ _ after taking the repurchase responsibility. Our company is willing to unconditionally provide joint and several liability for the company's right of recourse, and hereby issue this guarantee.

Our company: _ _ _ _ _ _; Address: _ _ Legal Representative _ _ _; _ _ _ _ Tel: _ _ _ _

The Company voluntarily provides joint and several guarantee liabilities for the company's recourse, and the scope of guarantee includes: the penalty interest and expenses paid by the company to the loan bank for the repurchase, and the expenses that the company has incurred or will incur to realize the recourse (including but not limited to legal fees, attorney fees, security fees, travel expenses, etc.). ). The guarantee period is two years from the date of expiration of _ _ _ _.

As long as _ _ _ _ _ _ breach of contract causes the company to assume the repurchase responsibility, the company may require the company to assume the guarantee responsibility, and the company will immediately assume the guarantee responsibility and pay all the money. The Company undertakes the guarantee responsibility, which is not affected by whether the Company exercises other guarantee rights. During the guarantee period, the company may transfer the security right under this letter of guarantee when transferring the right of recourse to a third party, and the transfer does not require the company's consent.

At the same time, the company agrees to fulfill the repayment obligation of the bank on its behalf in case of overdue, and assume the repayment responsibility on its behalf.

Our company is really willing to bear joint and several liability, and has fulfilled all procedures to ensure that joint and several liability is legal and effective.

All disputes arising from the performance of this guarantee shall be under the jurisdiction of the people's court where the company is located.

I promise here.

Guarantor: _ _ _ _ _ Company (official seal)

Legal representative (signature):

Date, year and month

Bank loan commitment letter 10

Name of Borrower _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

I bought a house in the residential area of XX County, and I borrowed _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

1. I promise that my future work income (or money raised) will be used to pay the arrears first, and I will repay _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

2. Abide by national laws and regulations.

3. During the arrears, if I can't work in the company due to an accident, I resign or transfer my work unit for some reason, I promise to pay off all the above loans and go through other formalities. If I break my word, I promise to use this money to mortgage the house I bought in Limin Community of Baoqing County to deduct the loan I owe to the company. If bad consequences are caused by failure to repay in time, the legal responsibility shall be borne by myself.

I promise to pay off the money I owe before _ _ _ _ _ _ _ _.

5. This letter of commitment is made in duplicate, one for the company and one for myself.

Home address: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Postal code: _ _ _ _ _ _

Home phone number: _ _ _ _ _ _ _ _ _ _ _ _ _ _

Work unit: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

My phone number: _ _ _ _ _ _ _ _ _ _ _ _

ID number:

Does every bank have a loan book?

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Loan agreement is a bank term, which refers to a loan agreement, a form that is needed when applying for a loan.

The loan agreement is the initial notice that the bank agrees to lend money to the customer. The specific customer, the type of loan applied for, the amount of the loan, and how the bank evaluates the audit will be very clear. It needs the seal of the bank and the signature of the lender.