2025年度个人对个人信用贷款续贷合同标准模板4篇

20XX专业合同封面COUNTRACTCOVER20XX专业合同封面COUNTRACTCOVER甲方：XXX乙方：XXXPERSONALRESUMERESUME2025年度个人对个人信用贷款续贷合同标准模板合同编号_________一、合同主体1.甲方（贷款人）：名称：____________________地址：____________________联系人：__________________联系电话：________________2.乙方（借款人）：名称：____________________地址：____________________联系人：__________________联系电话：________________3.其他相关方：名称：____________________地址：____________________联系人：__________________联系电话：________________二、合同前言2.1背景和目的本合同旨在明确甲方与乙方在2025年度个人对个人信用贷款续贷业务中的权利、义务及责任，确保双方合法权益得到保障。2.2合同依据本合同依据《中华人民共和国合同法》、《中华人民共和国贷款通则》及相关法律法规制定。三、定义与解释3.1专业术语（1）信用贷款：指甲方根据乙方的信用状况，无需提供抵押、担保，直接向乙方发放的贷款。（2）续贷：指在原贷款到期后，经甲方同意，乙方申请继续使用贷款的行为。3.2关键词解释（1）贷款金额：指甲方同意向乙方发放的贷款本金总额。（2）贷款期限：指乙方使用贷款的时间长度。（3）还款方式：指乙方归还贷款本金及利息的方式。（4）逾期利息：指乙方未按约定时间归还贷款本金及利息所应支付的利息。四、权利与义务4.1甲方的权利和义务（1）甲方有权对乙方的信用状况进行审查，有权决定是否发放贷款。（2）甲方有权要求乙方按照约定的时间和方式归还贷款本金及利息。（3）甲方有权依法对逾期贷款采取催收措施。4.2乙方的权利和义务（1）乙方有权申请续贷，但需符合甲方规定的条件和要求。（2）乙方应按照约定的时间和方式归还贷款本金及利息。（3）乙方应如实提供个人信息，不得隐瞒或提供虚假信息。五、履行条款5.1合同履行时间本合同自双方签字（或盖章）之日起生效，贷款期限为________年。5.2合同履行地点本合同履行地点为：____________________。5.3合同履行方式乙方应按照约定的还款方式，在贷款期限内按时归还贷款本金及利息。六、合同的生效和终止6.1生效条件本合同经双方签字（或盖章）后生效。6.2终止条件（1）贷款期限届满，乙方已按约定归还全部贷款本金及利息。（2）合同约定的其他终止条件。6.3终止程序（1）合同终止前，双方应就终止事宜进行协商。（2）合同终止后，双方应按照约定办理相关手续。6.4终止后果（1）合同终止后，乙方应立即停止使用贷款。（2）合同终止后，双方应按照约定办理贷款余额的清偿手续。七、费用与支付7.1费用构成（1）贷款利息：按照甲方规定的利率计算，具体利率以合同签订时甲方公布的利率为准。（2）逾期利息：如乙方未按时归还贷款，则按照约定的逾期利率计算逾期利息。（3）其他费用：包括但不限于提前还款违约金、账户管理费等，具体费用以合同附件为准。7.2支付方式（1）自动扣款：乙方同意授权甲方从其指定的银行账户中自动扣除贷款利息及其他费用。（2）银行转账：乙方可自行通过银行转账方式支付贷款利息及其他费用至甲方指定账户。7.3支付时间（1）贷款利息：每月的还款日支付当月贷款利息。（2）其他费用：在合同约定的缴费期限内支付。7.4支付条款（1）乙方应在约定的支付时间内完成支付，如逾期支付，则应承担相应的违约责任。（2）甲方有权根据市场利率调整贷款利率，并在调整后的第一个还款周期开始时生效。八、违约责任8.1甲方违约（1）支付违约金：按照合同约定的比例支付违约金。（2）赔偿损失：赔偿乙方因甲方违约所遭受的直接损失。8.2乙方违约（1）支付违约金：按照合同约定的比例支付违约金。（2）赔偿损失：赔偿甲方因乙方违约所遭受的直接损失。（3）提前收回贷款：甲方有权提前收回全部或部分贷款。8.3赔偿金额和方式违约金的具体金额和赔偿损失的具体方式由双方在合同中约定。九、保密条款9.1保密内容双方在本合同项下所获得的对方商业秘密、技术秘密、财务信息等均属保密内容。9.2保密期限本合同项下的保密期限自合同签订之日起至合同终止后五年。9.3保密履行方式双方应采取一切合理措施，确保保密内容的保密性。十、不可抗力10.1不可抗力定义不可抗力是指不能预见、不能避免并不能克服的客观情况，如自然灾害、战争、政府行为等。10.2不可抗力事件（1）自然灾害：地震、洪水、台风等。（2）政府行为：政策变动、法律法规变更等。10.3不可抗力发生时的责任和义务发生不可抗力事件时，双方应相互理解，并尽力减轻不可抗力带来的影响。10.4不可抗力实例（1）地震：地震导致甲方无法正常履行合同义务。（2）政策变动：政府调整贷款利率，导致合同条款需要调整。十一、争议解决11.1协商解决双方应友好协商解决合同履行过程中发生的争议。11.2调解、仲裁或诉讼如协商不成，双方可选择调解、仲裁或诉讼方式解决争议。十二、合同的转让12.1转让规定未经对方同意，任何一方不得转让本合同项下的权利和义务。12.2不得转让的情形（1）本合同项下的贷款本金及利息。（2）本合同项下的违约责任。（3）本合同项下的保密条款。十三、权利的保留13.1权力保留甲方保留对本合同内容的解释权，并在必要时对合同条款进行修改。13.2特殊权力保留甲方保留在乙方违约时的权利，包括但不限于提前收回贷款、解除合同等。十四、合同的修改和补充14.1修改和补充程序合同的修改和补充需经双方协商一致，并以书面形式进行。14.2修改和补充效力经双方签署的修改和补充协议与本合同具有同等法律效力。十五、协助与配合15.1相互协作事项双方应相互协助，确保合同的有效履行。15.2协作与配合方式双方应按照合同约定或协商一致的方式，相互协作、配合。十六、其他条款16.1法律适用本合同适用中华人民共和国法律。16.2合同的完整性和独立性本合同构成双方之间的完整协议，并具有独立性。16.3增减条款未经双方书面同意，本合同不得增减任何条款。十七、签字、日期、盖章甲方（贷款人）：签字：____________________日期：____________________盖章：____________________乙方（借款人）：签字：____________________日期：____________________盖章：____________________附加条款：_______________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________________