英文信用貸款合同合同編號：__________parties：1.lender：__________2.borrower：__________referredtoasthe"lender"andthe"borrower"respectivelyinthiscontract.agreement：1.creditamount：thelenderagreestoprovidealoanofupto__________usdtotheborrowerforthepurposeof__________（借款用途）.2.termofloan：theloanshallberepaidtheborrowertothelenderwithin__________（還款期限）fromthedateofthiscontract.3.interest：theborrowershallpayinterestontheoutstandingprincipalbalanceoftheloanatanannualinterestrateof__________%（annualinterestrate）duringthetermoftheloan.theinterestshallbecalculatedonadailybasisandshallbepayablemonthly.4.collateral：theborrowershallprovidecollateraltothelenderintheformof__________（抵押物）tosecuretheloan.thelendershallhavetherighttoseizeandsellthecollateralintheeventofdefaulttheborrower.5.repayment：theborrowershallmakemonthlyrepaymentsoftheloanprincipalandinterestintheamountof__________usd（monthlyrepaymentamount）startingfromthefirstmonthaftertheloanisdisbursed.thelendermayrequiretheborrowertomakeadditionalrepaymentsoracceleratetherepaymentscheduleintheeventofdefault.6.default：intheeventthattheborrowerfailstomakeanyrequiredrepaymentunderthiscontract，thelendershallhavetherighttodeclaretheentireoutstandingbalanceoftheloanasdueandpayableimmediately.thelendermayalsopursuelegalactionagainsttheborrowertorecovertheoutstandingdebt.7.termination：thiscontractmaybeterminatedeitherpartyuponwrittennoticegiventotheotherpartyatleast__________（提前通知期限）beforethematuritydateoftheloan.8.governinglaw：thiscontractshallbegovernedandconstruedinaccordancewiththelawsofthestateof__________（州/國家）.9.Entireagreement：thiscontractconstitutestheentireagreementbetweenthelenderandtheborrowerwithrespecttothesubjectmatterhereofandsupersedesallprioragreements，understandings，negotiations，anddiscussions，whetheroralorwritten，oftheparties.inwitnesswhereof，thelenderandtheborrowerhaveexecutedthiscreditloancontractasofthedatefirstabovewritten.lender：__________：__________：__________borrower：__________：__________：__________一、附件列表：1.借款用途說明2.抵押物證明文件3.借款人財務報表4.貸款合同副本5.擔保人或保證人的同意書（如有）6.其他雙方同意作為合同附件的文件二、違約行為及認定：1.違約行為：借款人未能按時償還本金和利息。認定：若借款人遲于約定的還款日期還款，即為違約。2.違約行為：借款人提供的抵押物價值不足或存在權利瑕疵。認定：lender可要求借款人提供補充抵押物或解除合同。3.違約行為：借款人未按約定用途使用貸款。認定：lender有權要求借款人立即償還未償還貸款本金及利息。4.違約行為：借款人提供的文件或信息不真實、不準確或不完整。認定：lender有權解除合同并要求借款人立即償還貸款。三、法律名詞及解釋：1.借款人：指合同中接受貸款的一方。2.Lender：指合同中提供貸款的一方。3.抵押物：指借款人提供給lender作為貸款擔保的財產。4.違約：指借款人未履行合同約定的義務。5.還款期限：指借款人應還清貸款本息的期限。6.利息：指借款人應支付給lender的使用貸款的費用。四、執行中遇到的問題及解決辦法：1.問題：借款人資金流動出現問題，無法按時還款。解決辦法：與lender協商，尋求延期還款或調整還款計劃。2.問題：抵押物價值下降或存在權利瑕疵。解決辦法：借款人應及時通知lender并采取補救措施。3.問題：借款人未按約定用途使用貸款