抵押贷款投资协议.docx

抵押贷款投资协议.docx

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抵押贷款投资协议

INVESTMENTANDVENTURECAPITALFUNDINGAGREEMENT

Thisagreementisenteredintoonthedaysinsertedbyeachofthepartiespriortofixingtheir

signatureshereto:

[此协议由以下双方签署]

BETWEEN

XXXXXXXXXXX

AND

XXXXXX有限公司

Hereinafterreferredtoas“Borrower”

[以下简称为（借贷方）]

WHEREAS,theLenderwarrantsthatitwillfulfilltherequirementsofthisagreementandiswilling,

readyandabletomakeavailabletoinvest/venturecapitalthesumofUSD/RMBXXXXforthebenefitoftheBorrowerunderthetermsandconditionsagreed

uponhereinfor365dayswithrollsandextensionsuptoatotalofThree（3）years（FullTermofAgreement）.

[（资金方）保证其对此协议之承诺，愿意、及有能力并已准备为借贷方用此协议以下之条款提供”投资及风险资金”总数xxx美元/RMB。

此协议为期三百六十五天并自动伸延至三（3）年-总协议期]

WHEREAS,theBorrowermakesanirrevocablefirmcommitmenttoacceptandrepaytheprincipalamountandinterestsinaccordancewiththetermsofthisInvestment/VentureCapitalFundAgreement.

[（借贷方）提供其不可撤销之承诺以此协议之条款接受资金方所提供之”投资及风险资金”并跟据此协议之条款偿还利息与本金。

]

NOW,THEREFORE,inconsiderationofmutualcovenants,promises,benefitsandtermsofthisagreementandforgoodandvaluableconsideration,thebenefitofwhichisherebyacknowledgedandthepartiesheretoagreedandpromisetohonorthefollowingconditions.

[现签署协议双方，跟据跟据此协议的共同协议、承诺及利益，承诺遵守以下协议之条款。

]

1.DEFINITIONSANDCONDITIONSINGENERAL

[此协议用词之含意。

]

“Lender”and“Borrower”shallwherethecontextsoadmitsincludeitsheirs,successors-in-titleor

assigns.

[（资金方）及（借贷方）包括其后人及承继人（人指”自然人”或”商业个体”）。

]

Contract/AgreementshallmeanthisAgreement.

[（合约）/（协议）所指均为此协议。

]

Day（s）shallmeanBankWorkingDaysunlessspecifiedascalendardays.

[（天）所指为银行工作天，（日）则为普通计算的的一日。

]

Alldollaramountsapartfromstatedexpressly,referredtointhisAgreementshallbeexpressedinUSD/RMB.

[此协议内所有币值除明显注明外均为美金/人民币。

2.LOANDISBURSEMENTSANDTERMSOFAGREEMENT

[贷款发放及协议条文]

TheLenderwillprovideandtheBorrowershallreceiveInvestmentFundingloansaccordingtotheInvestmentFundingLoanDisbursementScheduleasstipulatesinAppendixA,afterBorrowermeetstherequirementofcreditandriskmanagement.

[（资金方）在满意其对（借贷方）的信用风险管理查证后，会根据附录A-投资贷款发放表、发放贷款予（借贷方）。

]

PriortoeachandsubsequentInvestmentFundingLoanDisbursements,BorrowermustsubmittotheLenderthefollowinginformation:

[在每期贷款发放前，（借贷方）应提供以下资料予（资金方）–

a.Cashrequirements（currentandfuture）withexplanationsforitspurposes;

现金需求（现时及可见将来）及其用途;

b.Projectprogressreportforcurrentdevelopmentandprojectionsondevelopmentcompletions,project

assetvaluesandprojectfuturereturns;

项目进展报告、预计项目进展程度、资产价值预测及项目收益预测;

c.Notificationonmajorimpactsandeventsonprojectthatmightaffectitsdevelopment,assetvalues,and

futurereturns;

报告一切对项目发展、资产未来价值及项目未来收益有重大影响的事件。

]

Lenderbasedonthisinformation,ifoptedtowillperformprojectreviewsincludingbutnotlimitedtositeverification（s）andoriginalcompanydocument（s）reviewsbeforetheactualfundingloandisbursementtakesplace.ThepurposesofsuchactionsaretoensureLender’sfundingisspentontheagreedpurpose（s）andtoprovidefinancialadvicesandfurtherassistanceifrequiredtotheproject.

[（资金方）在取得以上数据后并在该期贷款发放前，可选择对项目作出审查。

项目审查可包括但不限于现场观察和文件正本查核。

项目审查除确定项目贷款用于（资金方）已同意的用途外，（资金方）还可提额外供融资意见和帮助。

]

InthecasethatfraudwithintheProjectisfoundand/orprojectfundingwasdivertedtootherpurpose（s）notagreeduponbyLender,thisAgreementautomaticallyexpires.AllInvestmentFundingloans–principalplusaccumulatedinterest,aredueforrepaymentimmediately.

[若（资金方）发现项目或其整体运作含诈骗成份、项目贷款用于非项目用途（除得（资金方）同意外），本协议实时自动终止，所有贷款（本金及积累利息）实时到期并需偿还。

]

Notwithstandingthegeneraltermsandconditionscontainedherein,thepartiesagreedthateachventurethatcouldoccurinthefuturewillbeattachedasasequentiallynumberedaddendumtothisagreement,clearlyindicatingtheexactanddetailedpurpose,termsandconditionsforthatspecificventureandtobeacceptedbybothparties.

[虽然协议内有规定、签署双方其后若有补充、经双方同意后可以补充协议加贴于本协议。

]

3.PROCEDURE:

[协议流程]

a.LenderandBorrowersignInvestmentandVentureCapitalFundingAgreement.

[（资金方）及（借贷方）签署“提供投资及风险资金协议”-此协议。

]

b.Borrower’sbankconfirmstoLender’sbankviawiretransferxxxxxUnitedStatesDollars（USD$xxxx0,000）tolender’sbankaccountasApplicationandhandlingfee.InthecasewhereBorrowerwishestoinsureagainstLender’snon-performancebeforetheaforementionedpayment,LendercanprovideaBankissuedPerformanceBondofthesameamount（USD$xxxx0,000）totheBorrowerasguarantee.ThecostofthePerformanceBondisUSD$xxxxx,000（10%ofBond）whichmustbeborneandprepaidbytheBorrowerbeforeitsissuance.BorrowercanthenproceedwiththeUSD$xxxx0,000paymentupontheissuanceofthePerformanceBond.ThisPerformanceBondwillbevoideduponthereceiptofthefirstpaymentbyBorrowerfromLender.

[（借贷方）经其银行电汇”投资及风险资金-“启动金”美金$xxxx0,000元至（资金方）之银行账户。

如（借贷方）

想为其“启动金”提供额外保障，（资金方）可提供银行发出之美金$xxxx0,000元“履约保证书”作为担保，

“履约保证书”之银行收取费用（约保证金额一成）由（借贷方）承担并预先支付，银行之“履约保证书”发

出后（借贷方）可电汇其”投资及风险资金-启动金”至（资金方）之银行账户。

银行之“履约保证书”会在

（借贷方）收到第一期的贷款后自动作废。

]

c.UponreceiptandconfirmationoftheapplicationandhandlingfeeinamountofUSD$150,000bywiretransfer.LenderwillsendtheagreedInvestmentFundingamountstothenominatedaccountoftheBorrowerwithintheagreedperiodsAsstatedinLOANDISBURSEMENTSANDTERMSOFAGREEMENTsection.

[（资金方）银行证实收到”启动金”后，（资金方）及其基金开始运作并于”贷款发放及协议条文”栏内指定

时间内发放贷款至（借贷方）指定银行账户中。

]

d.Ascollaterals,Borrowermustpledge100%oftheircompanyshareswhichfullyownTheProjectandassetsforLender’sprojectfunding.BorroweralsoneedstosignapersonalguaranteetoLenderfortheInvestmentFundingamount.ThesedocumentsmustbeavailablebeforeoratthesametimeofthefirstInvestmentfundinginstallmentissuancebytheLender.AllcollateralswillbereleaseduponthecompletionofthisAgreement–thatis,therepaymentofprincipalinwholeandinterestsasagreed.

[（借贷方）在（资金方）提供第一期的贷款的同时或之前应准备以下文件：

对持有该项目及其资产之公司股权百份之一百质押给（资金方），及公司股东对（资金方）所提供之”投资及风险资金”总数作个人担保。

该股权质押及个人担保将在”投资及风险资金”总数及其利息清偿后解押和取消。

]

e.TheLenderhasthefullrighttotakeoverTheProjectcompanyand/orselloffanyofitsasset（s）whichtheBorrowerpledgedwhenBorrowerfailstorepayLenderonitsyearlyInvestmentInterestortheInvestmentFundingprincipalattheendoftheagreedperiod.Untilaccumulatedtothecapitalandinterestanddefaultinterest,thenreturnbackbalanceassettotheborrow（defaultinterestiseachday%ifoverduepayment）

[在（借贷方）无法偿还”投资及风险资金”本金总数或到期利息之情况下，（资金方）有权接收该项目公司及/或变卖任何借贷方抵押的资产，金额累积到本金加上利息加上罚息后，将剩余的资产返还给借贷人。

（罚息为逾期每天%）

f.TheInvestmentInterestofXXpercent（XXX%）perannumonremainingInvestmentFundingprincipalshallbeprepaidateachbeginningoftheanniversariesofthisAgreement.Thestartingdateforanniversarycalculationis365calendardaysfromthedateofreceiptoftheseInvestment

FundingInstallments.TheInterestpaymentmustbemadenotlaterthanfifteen（15）calendardaysbeforeeachoftheanniversariesoftheAgreement.

[（资金方）提供之”投资及风险资金”贷款年利率为XX%，贷款年利息为预先收取，在协议的每”周年”即为下一年度到期，”周年”的定义为（借贷方）收到每期”投资及风险资金”贷款起计365日。

（借贷方）必须于利息到期15日前支付予（资金方）。

]

g.NopenaltywillbeimposedforearlyrepaymentofInvestmentFundingprincipalafterthefirst

anniversaryofthisAgreement.Afullyear’sinterestofXXXX%willbechargedevenifrepaymentofInvestmentFundingprincipalhappensbeforethefirstanniversaryofthisAgreement.AnInvestmentFundingLoanRepaymentSchedule（AppendixB）asagreeduponandsignedbybothBorrowerandLenderwillserveasanAddendumtothisAgreement.RepaymentofInvestmentFundingprincipalinfullattheexpiryoftheFullTermofAgreementisassumedintheabsenceofsuchRepaymentSchedule.AllInvestmentFundingPrincipalandaccumulatedInterestaredeemedtobedueforrepaymentattheexpiryoftheFullTermofAgreement.Unlessthereareotheragreedarrangements,thefullamountofPrincipalandinterestmustbepaidnotlaterthanfifteen（15）calendardaysaftertheyaredue.ThereleaseofCollateralsandPersonalGuarantee（s）willfollowuponreceiptofrepaymentinfull.

[（借贷方）可于“投资及风险资金”贷款一“周年”后，总协议年期前偿还所有贷款本金及其利息而无须“罚息”（惩罚性利息），在贷款一”周年”前偿还所有贷款本金则利息计算为首年的全年利息-即为贷款本金之XXX%。

（借贷方）可与（资金方）共同商议定立还款计划时间表，该还款计划时间表经双方同意可作为本协议后加之一部份。

在没有还款计划时间表的情况下，（借贷方）与（资金方）双方均共识本协议总协议年期到期后贷款本金及其最后一年的利息一并偿还。

于总协议年期到达时，所有”投资及风险资金”贷款本金及已积累之利息，除（借贷方）与（资金方）有另外协议安排外，均视为到期清还，（借贷方）必须于到期后的15日内本金连利息一并支付予（资金方）。

（资金方）收到本金连利息后即对（借贷方）之股权质押及个人担保进行解押和取消。

]

4.REFUNDOFAPPLICATIONANDHANDLINGFEE

[发还申请及手续费用]

TheapplicationandhandlingfeefortheInvestmentFunding（USD$xxxx0,000）isrefundabletotheBorroweriftheLenderfailstoreleasetheInvestmentFundingtotheBorrowerwithintheperiodagreedbybothparties.ForthecasewhereBorroweriscoveredbythePerformanceBond,LenderreservedtherighttorefundincashorviaaccounttransferinexchangeforthePerformanceBondissued.

[若（资金方）不能按协议完成投资贷款，所有”投资及风险资金-启动金”即美金$xxxx0,000会全部发还（借贷方）。

若（借贷方）已购买“履约保证书”作为担保，则（资金方）有权选择以现金或资金电汇方式换取该“履约保证书”，以便（借贷方）能更快取回资金。

5.LETTEROFOFFER/INTENT

[贷款建议书及意向书]

TheletterofoffermadeinrespecttothistransactionandtheintentletterbytheBorrowershallbeconsideredpartoftheAgreement.

[所有贷款建议书及意向书将成为本协议的一部份。

]

6.PAYMENTS/COLLATERAL

[付款及支付的收据]

AllpaymentsendbytheBorrowerandtheMT103transmissioncopiesmadebytheLendershall

beconsideredpartofthisAgreement.

[所有付款及支付的收据（MT103银行电汇支付收据）将成为本协议的一部份。

]

7.TAXESANDCHARGES

[税款及费用]

TheLenderwarrantspaymentofalltaxesandbankchargescalculatedinthelender’sbankorany

Governmentbody.TheBorroweralsowarrants