法律英语：借贷合同范本nullContractNumber：BORROWER：Address：LENDER：Address：InaccordancewithprovisionsofContractLawofthePeoplesRepublicofChinaandBankofChina，afterreviewingthestatusandtherequestoftheBorrower，theLenderagreestogranttheBorroweralineofcrediton.TheBorrower，LenderandGuarantor，throughfriendlynegotiation，haveexecutedthisContractasfollows：ARTICLE1CURRENCY，AMOUNTANDTERMOFTHELOAN：1.TheCurrencyunderthisloanisReiminbi.2.TheLineoftheloanisyuan.3.Theperiodofthisloanis12monthsfromthedateofeffectivenessofthiscontract.ARTICLE2THEPURPOSEOFTHELOAN：1.Thepurposeofthisloanisusedforworkingcapitalturnover.2.WithoutwrittenapprovaloftheLender，theBorrowercouldnotusetheloanoutofthescopeofthepurpose.ARTICLE3INTERESTRATEANDCALCULATIONOFINTEREST：1.Interestrate：Theinterestrateshallbe[xxx]Duringtheloanterm，ifthecountrysrelatedauthorityadjustedtheinterestrateorthemannerofcalculationofinterest，theinterestofthiscontractshallbeadjustedaccordinglyafteroneyearfromthedateofexecutionofthiscontract.Theadjustmentshallbeconductedwhentheinterestrateareexecutedoneyear.ItisnotobligedtoinformtheBorrowerwhentheadjustmentofinterest.2.Theinterestshallbecalculatedfromthedateoffirstdrawdownandtheactualdaystheborroweruse.Oneyearshallbecalculatedas360days.3.Thepaymentofinterests：TheBorrowershallpaytheinterestsperquarter.Thepaymentdateshallbe，andIfthepaymentforthelastinstallmentisnotonthepaymentdate，theinterestsshalldeducttheinterestfromthebankaccountoftheBorrower.IntheeventthattheBorrowerfailstopaytheinterestsontimeandthebalanceoftheaccountoftheBorrowerisnotenoughforthepaymentofinterest，theLendershallhaverightstocollectapenaltybeing[xxx]oftheoutstandingamountperdayfortheBorrowersbreachofcontract.ARTICLE4OVERDUEINTERESTSANDMISUSINGINTERESTS1.IftheBorrowerfailstorepaytheloanandcannotreachaagreementwiththeLenderregardingtheextension，theLendershallcollectanoverduepenaltyfor[xxx]oftheoverdueamountperday.2.IftheBorrowerfailstousestheloaninaccordancewiththeprovisionssetforthinthiscontract...
