合法的借条范文参考合法的借条范文参考（精选17篇）合法的借条范文参考篇1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。thiscontractismadeinlinewiththecontractlawofthepeople'srepublicofchinaandthegeneralprovisionsofloansofthepeople'sbankofchinatospecifytherightsandobligationsofpartiesinvolved.借贷条款loanborrowingclause第一条借款金额。见36.1article1.amountofloan：referto36.1第二条借款用途。见36.2article2.purposeofloan：referto36.2第三条借款期限。article3.lifeofloan3.1见36.3.3.1referto36.33.2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。3.2acertificateofindebtednessoraloanvoucherisanintegralpartofthiscontract.thedateofadvanceandpaymentduedateshallfollowthedatespecifiedonthecertificateofindebtednessorloanvoucher.wherethereisanyinconsistencybetweenthestipulationsonthecertificateofindebtednessorloanvoucherandthetermsandconditionsonthiscontractexceptdate，thelattershallprevail.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article4transferringofloan.thefullamountofloanshallbetransferredtoanaccountdesignatedbytheborrowerwithin5workingdaysfromthedateofcompletingborrowingprocedure.referto36.4forthefrequency，timeandamountoftransferring第五条借款利率和计息。article5.interestrateofloanandcalculation5.1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36.6.5.1interestrateofloan：theinterestrateunderthiscontractisspecifiedin36.5inlinewithrelevantrules.incaseofchangeofinterestrate，theinterestratestipulatedinthecontractshallprevailforloanswithalifeoflessthanorequaltooneyear;forloanswithalifeexceedingoneyear，theinterestshallbecalculatedonamulti-stagebasis，i.e.fromnextjan.1stfollowingtheadjustmentofinterestrate，thenewrateshallprevail.incasetheborrowerfailstorepaytheprincipalandinterestbeforetheduedate，orfailstousetheloanforpurposesasagreedinthiscontract，thelendershallbeentitledtocollectdefaultinterestinlinewithrelevantrules.thede