CNG HO X HI CH NGHA VIT NAM c Lp - T do - Hnh phc Mu 04/HTD/CUOIKY/DN

HP NG TN DNG
S:.. (Dnh cho KH Doanh nghip, tr n gc cui k) Hm nay, ngy //, ti , cc Bn gm: Bn cho vay: Ngn hng TMCP cc Doanh nghip ngoi quc doanh Vit Nam - Chi nhnh/Phng Giao dch a ch tr s : in thoi : . - Fax: i din : ng/b.. - Chc v: , theo vn bn y quyn sngy..//.ca. Sau y gi l Bn Ngn hng, Bn vay: Cng ty a ch tr s : KKD s : .do S KH&T.cp ln u ngy ././ , ng k b sung ln..............vo ngy././..(ghi ln ng k b sung mi nht, nu cha ng k b sung ln no th b ni dung ny). in thoi : - Fax: . i din : ng/b. - Chc v: , theo vn bn y quyn sngy..//.ca.(nu ngi i din theo php lut ca Doanh nghip trc tip k Hp ng th b phn thng tin v vn bn y quyn). tha thun v nht tr k kt Hp ng vi cc ni dung nh sau: iu 1. S tin, thi hn, mc ch s dng tin vay v iu kin gii ngn 1. S tin vay: .............................(Bng ch: ...................................................................................). 2. Thi hn vay: ..........................(bng ch................................................................................), tnh k t ngy gii ngn vn vay u tin. 3. Mc ch s dng tin vay: ...................................................................................................... 4. iu kin v phng thc gii ngn: a) Bn Ngn hng ch gii ngn cho Bn vay sau khi Bn vay v cc bn lin quan (nu c) p ng tt c cc iu kin, th tc theo quy nh ca php lut v yu cu ca Bn Ngn hng. Bn Ngn hng c quyn t chi gii ngn trong trng hp quy nh ca php lut khng cho php gii ngn v/hoc do iu kin thc t ca Bn Ngn hng khng th gii ngn. b) Bn Ngn hng gii ngn cho Bn vay theo phng thc: Gii ngn mt ln Gii ngn nhiu ln Bng tin mt Chuyn khon c) Mi ln rt vn vay, Bn vay phi bo trc cho Bn Ngn hng t nht...........ngy lm vic v gi km theo cc giy t chng minh mc ch s dng vn vay, ng thi k Kh c 1

nhn n v cc chng t lin quan theo yu cu ca Bn Ngn hng. Bn vay ch c rt vn vay trong thi hn........................k t ngy k kt Hp ng ny; sau thi hn ny, Bn vay ch c rt vn nu c Bn Ngn hng ng v Bn vay phi chu ph do chm rt vn theo yu cu ca Bn Ngn hng (b ni dung ny nu VPBank cha c quy nh v ph chm rt vn). iu 2. Li sut cho vay 1. Li sut cho vay (trong hn): Li sut cho vay ti thi im gii ngn u tin l: ....................... Mc li sut ny s c thay i theo phng thc nh sau: a) Trng hp thi hn vay nu ti khon 2 iu 1 Hp ng ny l khng qu 03 thng, th mc Li sut cho vay nu trn l c nh, khng thay i trong sut thi hn vay. b) Trng hp thi hn vay nu ti khon 2 iu 1 Hp ng ny l trn 03 thng, th mc Li sut cho vay s c iu chnh nh sau: Thay i nh k: Li sut cho vay s c thay i nh k 03 thng/ 01 ln, mc iu chnh bng li sut tit kim k hn 12 thng bc thang thp nht ca Bn Ngn hng ang p dng ti thi im iu chnh cng (+) bin ...............................Nu mc li sut sau khi iu chnh cao hn mc li sut cho vay ti a theo quy nh ca php lut, th iu chnh v bng mc li sut cho vay ti a theo quy nh. Cc bn thng nht rng n k iu chnh li sut, Bn Ngn hng s t ng thc hin vic iu chnh theo ng cc tha thun nu trn v nu mc li sut mi c thay i so vi k lin k trc , Bn Ngn hng s thng bo cho Bn vay. Trng hp Bn Ngn hng cha gi thng bo, Bn vay c quyn yu cu Bn Ngn hng gi thng bo; tuy nhin, vic Bn Ngn hng cha gi thng bo khng lm nh hng n hiu lc ca vic iu chnh li sut, Bn vay vn phi chu mc li sut mi k t thi im Bn Ngn hng thc hin vic iu chnh. Thay i t xut: Trng hp quy nh ca php lut v mc li sut cho vay ti a b bi b, hoc mc li sut cho vay ti a theo quy nh ca php lut c nng cao hn so vi mc ang p dng, Bn Ngn hng c quyn ngay lp tc iu chnh li sut cho vay theo ng bin nu trn m khng cn ch n k hn iu chnh li sut. Sau khi li sut c thay i t xut, k iu chnh li sut tip theo s c tnh t ngy thay i li sut t xut.

2. Li sut qu hn: Bng 150% mc li sut trong hn ang p dng ti thi im pht sinh n qu hn. 3. Cch thc tnh li: a) Tin li c tnh trn c s mt thng l 30 ngy, mt nm l 360 ngy. S tin li phi tr mi k = D n gc x S ngy thc t ca k tnh li x Li sut ang p dng ti thi im tnh li / 30 (nu li sut tnh theo thng), 360 (nu li sut tnh theo nm). b) Tin li s c tnh t khi Bn vay nhn n vn vay cho n khi Bn vay thc t thanh ton ht ton b d n cho Bn Ngn hng. 4. Bn vay phi thanh ton cc khon ph, chi ph v cc ngha v ti chnh khc (nu c) cho Bn Ngn hng theo ng thi hn, s lng v phng thc m Bn Ngn hng yu cu. iu 3. Bin php bo m tin vay 1. bo m cho vic thc hin cc ngha v ca Bn vay theo Hp ng ny, cc Bn thng nht p dng cc bin php bo m sau y: a) Th chp bng.........(ghi tn ti sn), thuc quyn s hu/s dng ca................(ghi tn Ch ti sn), theo Giy chng nhn.............s............do............cp ngy................, Hp ng th chp s.............ngy............................; Cm c bng.........(ghi tn ti sn), thuc quyn s hu/s dng ca................(ghi tn Ch 2

ti sn), theo Giy chng nhn.............s............do............cp ngy................, Hp ng cm c s.............ngy............................; b) Cc bin php, ti sn bo m khc theo tha thun gia Bn Ngn hng vi Bn vay v/hoc Bn th ba (nu c). 2. Chi tit v cc bin php v ti sn bo m c tha thun c th trong cc vn bn giao dch bo m k gia Bn Ngn hng, Bn vay v cc Bn lin quan. iu 4. Thi hn v phng thc tr n 1. Thi hn tr n gc: Bn vay phi thanh ton ton b n gc cho Bn Ngn hng mt ln vo thi im kt thc thi hn vay nu ti khon 2 iu 1 ca Hp ng ny. 2. Thi hn tr n li: Bn vay phi tr tin li cho Bn Ngn hng theo nh k................thng/ln, vo ngy ............................... (sau y gi l K tr n li). K tr n li u tin vo ngy......./........./.............. Cc Bn cng thng nht hiu r rng vic vi phm ngha v tr n ca bt k mt K tr n li no nu trn cng b coi l vi phm ngha v tr n v Bn Ngn hng c quyn thu hi ngay ton b d n gc cn li ca Bn vay m khng cn phi ch n khi kt thc thi hn vay nu ti khon 2 iu 1 ca Hp ng ny. 3. Trng hp ngy n hn tr n gc, li v cc ngha v ti chnh khc (nu c) trng vo ngy ngh theo quy nh ca php lut, th Bn vay phi tr n vo ngy lm vic lin ngay sau v li vn c tnh cho n ngy Bn vay thc t tr n. 4. Trng hp Bn vay mun thanh ton n cho Bn Ngn hng trc thi hn, Bn vay phi thng bo trc bng vn bn cho Bn Ngn hng t nht .............ngy lm vic v phi c Bn Ngn hng ng , ng thi phi thanh ton cho Bn Ngn hng khon tin ph hoc tin pht tr n trc hn theo mc do Bn Ngn hng thng bo ti thi im Bn vay tr n trc hn. Nu Bn vay khng ng vi mc tin ph hoc tin pht tr n trc hn do Bn Ngn hng thng bo, th Bn vay phi tr ton b li cho ton b thi hn vay cn li theo ng quy nh ti iu 478 B lut Dn s. 5. Bn vay vay bng loi tin no th tr n gc, li, cc khon ph v cc ngha v ti chnh khc lin quan bng loi tin . Trng hp tr n bng loi tin khc phi c s ng ca Bn Ngn hng v quy i theo t gi do Bn Ngn hng thng bo ti thi im tr. 6. Vic thanh ton cc khon n ca Bn vay c thc hin ti tr s ca Bn Ngn hng. Bn vay c ngha v m ti khon tin gi ti Bn Ngn hng v bo m rng ti khon ny c s d Bn Ngn hng thu n khi n k hn. Bn vay y quyn khng hy ngang cho Bn Ngn hng c t ng trch cc ti khon ca Bn vay m ti Bn Ngn hng thu n khi n k hn. Nu ti khon ca Bn vay c loi tin khc vi loi tin vay v Bn Ngn hng c ngun ngoi t bn cho Bn vay tr n, th Bn Ngn hng s t ng bn ngoi t cho Bn vay theo t gi m Bn Ngn hng ang p dng ti thi im thu n. 7. Cc Bn thng nht tha thun rng trong mi trng hp, i vi mi khon tin thu n, Bn Ngn hng s thu theo th t u tin nh sau v c quyn n phng thay i th t u tin , khng ph thuc vo ch ca Bn vay v/hoc cc Bn lin quan: Cc khon chi ph pht sinh (nh chi ph thu hi n, x l ti sn bo m v.v....), cc khon tin pht, tin bi thng thit hi, cc loi ph (nu c), tin li qu hn, tin li trong hn, n gc v cc khon lin quan khc. Bn vay cam kt khng c bt k khiu ni, tranh chp no i vi Bn Ngn hng v th t u tin thu n nu trn. iu 5. C cu li thi hn tr n 1. Trc ngy kt thc thi hn tr n gc v/hoc cc K tr n li t nht l 10 ngy, nu Bn vay do gp kh khn tm thi dn n khng c kh nng tr n ng hn, Bn vay c th gi vn bn ngh Bn Ngn hng xem xt c cu li thi hn tr n. 2. Bn Ngn hng c quyn chp nhn hoc khng chp nhn ngh c cu li thi hn tr n ca 3

Bn vay m khng cn c l do. Nu Bn vay c Bn Ngn hng ng cho c cu li thi hn tr n, th Bn vay phi chu mc li sut c cu li v cc iu kin khc theo yu cu ca Bn Ngn hng ti thi im c cu li. 3. Tha thun c cu li thi hn tr n ch c gi tr khi c lp thnh vn bn c ch k ca ngi c thm quyn v con du ca cc Bn. iu 6. Thu hi n trc hn 1. Cc Bn thng nht tha thun rng Bn Ngn hng c quyn (nhng khng c ngha v) thu hi ton b d n vay cn li ca Bn vay trc thi hn trong nhng trng hp sau y: a) Bn vay vi phm ngha v tr n ca bt k mt K tr n li no theo tha thun ti iu 4 Hp ng ny; b) Bn vay s dng vn sai mc ch, c hnh vi khng trung thc, cung cp thng tin sai s tht, trn trnh, thiu thin ch vi Bn Ngn hng trong qu trnh vay vn, tr n; c) Bn vay thc hin vic thay i ln b my qun tr, iu hnh, thay i c cu s hu hoc dng phn ln ti sn ca mnh gp vn, lin doanh, mua c phn; thc hin vic chia, tch, hp nht, sp nhp, chuyn i, tm ngng kinh doanh, gii th, ph sn doanh nghip; d) Tnh hnh ti chnh, thu nhp, ti sn ca Bn vay gim st; phn ln ti sn ca Bn vay b k bin, phong ta, cm gi hoc b tranh chp; Ngi i din theo php lut ca Bn vay b truy cu trch nhim hnh s (bt, khi t, truy t, xt x, chp hnh hnh pht t...); Bn vay lin quan n cc tranh chp, khiu ni, khiu kin m Bn Ngn hng n phng nhn nh l c th nh hng n kh nng tr n ca Bn vay cho Bn Ngn hng; e) Cc ti sn bo m tin vay b mt, h hng, gim st gi tr, b quy hoch hoc lin quan n cc tranh chp, khiu ni, khiu kin m Bn Ngn hng n phng nhn nh l c kh nng nh hng n vic thu hi vn ca Bn Ngn hng; f) Trng hp khon vay c bo m bng ti sn ca Bn th ba m xy ra mt trong cc trng hp sau: Bn th ba l c nhn b cht hoc b Ta n tuyn b l cht; b Ta n tuyn b mt tch, b mt nng lc hnh vi; ly hn; b trn hoc thay i ni c tr m khng thng bo cho Bn Ngn hng; Bn th ba l doanh nghip hoc t chc khc thc hin vic chuyn i, chia, tch, hp nht, sp nhp, gii th, ph sn; thay i a ch tr s, a ch lin lc m khng thng bo cho Bn Ngn hng;

g) Trng hp Bn vay c nhiu khon vay, khon tn dng khc ti Bn Ngn hng, th nu c bt k Hp ng tn dng, khon tn dng no pht sinh n qu hn hoc phi tr n trc hn, th Hp ng ny c th cha n hn cng c coi l n hn v Bn vay phi thanh ton ngay ton b d n cn li cho Bn Ngn hng; h) Bn vay vi phm bt k ngha v no i vi Bn Ngn hng theo Hp ng ny, Hp ng bo m tin vay v cc tha thun khc gia cc Bn; i) Cc trng hp khc m Bn Ngn hng n phng xt thy cn thit bo m thu hi n vay.

2. Khi xy ra mt trong cc trng hp nu trn, Bn Ngn hng c quyn cn c vo tnh hnh thc t v la chn thi im thch hp quyt nh thu hi n trc hn. Khi Bn Ngn hng quyt nh thu hi n trc hn, tt c cc khon n gc, li v cc ngha v lin quan khc ca Bn vay theo Hp ng ny d n hn hay cha n hn u tr thnh khon n n hn. Bn Ngn hng s gi vn bn thng bo cho Bn vay, trong nu r thi hn m Bn vay phi tr n; Bn vay phi thanh ton cho Bn Ngn hng ton b d n cn li ng thi hn m Bn Ngn hng yu cu. 4

iu 7. N qu hn 1. Cc khon n gc, li ca Bn vay s l N qu hn trong cc trng hp sau: a) Bn vay khng thc hin hoc thc hin khng ng ngha v tr n gc v/hoc li theo tha thun ti iu 4 Hp ng ny. Thi im qu hn c tnh t ngy k tip ca ngy n hn tr n gc v/hoc li; b) Bn vay phi tr n trc hn trong cc trng hp tha thun ti iu 6 ca Hp ng ny nhng khng thc hin hoc thc hin khng ng ngha v tr n theo yu cu ca Bn Ngn hng. Thi im qu hn c tnh t ngy k tip ca ngy m Bn Ngn hng yu cu Bn vay phi tr n trc hn. 2. Khon n li qu hn s phi chu tin pht chm tr li bng 0,05%/ngy tnh trn s tin li chm tr v s ngy chm tr, bt u tnh t thi im qu hn cho n khi Bn vay thanh ton ht n li qu hn. 3. Khon n gc qu hn s phi chu li sut qu hn k t thi im qu hn cho n khi Bn vay thanh ton ht n gc qu hn. 4. K t thi im qu hn, Bn Ngn hng c quyn p dng cc bin php theo tha thun ti Hp ng ny v/hoc cc bin php theo quy nh ca php lut thu hi n. iu 8. Quyn v ngha v ca Bn Ngn hng 1. Quyn ca Bn Ngn hng: a) T chi gii ngn tin vay nu Bn vay khng p ng y cc iu kin, th tc theo yu cu ca Bn Ngn hng hoc Bn Ngn hng khng c iu kin gii ngn ti thi im Bn vay yu cu; b) c quyn yu cu Bn vay s dng mi ti sn, ngun thu ca Bn vay thanh ton cc khon n cho Bn Ngn hng y , ng hn; c) c quyn lin h trc tip vi cc bn c ngha v ti sn i vi Bn vay nhn cc khon tin, ti sn m bn phi tr hoc phi giao cho Bn vay. Bng Hp ng ny, Bn vay y quyn khng hy ngang cho Bn Ngn hng c thc hin vic nhn tin, ti sn nu trn thu n v cam kt khng c bt k khiu ni, tranh chp no i vi bn c ngha v v/hoc vi Bn Ngn hng trong trng hp ny; d) c quyn trc tip kim tra hoc yu cu Bn vay thng bo, cung cp thng tin v vic s dng vn vay, tnh hnh ti chnh, ti sn, thu nhp ca Bn vay, v ti sn bo m v cc thng tin khc lin quan n khon vay hoc n tnh hnh thc hin ngha v tr n ca Bn vay; e) c yu cu Bn vay b sung thm ti sn ca mnh hoc ca Bn th ba vo th chp, cm c, k qu cho Bn Ngn hng trong cc trng hp Bn Ngn hng nhn nh rng gi tr ti sn bo m hin ti khng bo m cho ngha v tr n ca Bn vay; f) c quyn x l ti sn bo m ca Bn vay v/hoc Bn th ba (nu c) thu hi n; g) C ton quyn chuyn giao, bn cho Bn th ba ton b hoc mt phn khon n ca Bn vay theo Hp ng ny m khng cn phi c s ng ca Bn vay. 2. Ngha v ca Bn Ngn hng: a) Gii ngn tin vay cho Bn vay theo ng tha thun; b) Gii chp ti sn bo m (nu c) sau khi Bn vay thc hin xong ton b ngha v i vi Bn Ngn hng. 3. Bn Ngn hng c cc quyn v ngha v khc theo tha thun ti Hp ng ny v theo quy nh ca php lut. 5

iu 9. Quyn v ngha v ca Bn vay 1. Quyn ca Bn vay: a) c nhn v s dng vn vay t Bn Ngn hng theo ng tha thun; b) c yu cu Bn Ngn hng gii ta ti sn bo m thuc s hu ca Bn vay (nu c) sau khi Bn vay hon thnh tt c cc ngha v vi Bn Ngn hng. 2. Ngha v ca Bn vay: a) Cung cp y , chnh xc v trung thc cc thng tin, h s, ti liu lin quan n vic vay vn theo yu cu ca Bn Ngn hng trong sut qu trnh vay vn; b) Cung cp thng tin v/hoc to mi iu kin Bn Ngn hng trc tip kim tra v tnh hnh s dng vn vay, tnh hnh ti chnh, ti sn, thu nhp ca Bn vay, v ti sn bo m v cc thng tin khc lin quan n khon vay hoc n tnh hnh thc hin ngha v tr n ca Bn vay; c) B sung thm ti sn vo th chp, cm c, k qu... bo m cho vic thc hin ngha v tr n theo Hp ng ny trong cc trng hp Bn Ngn hng c yu cu; d) Thc hin ng cc ngha v theo Hp ng ny v cc vn bn lin quan k gia cc Bn, nu vi phm m gy thit hi th bi thng cho Bn Ngn hng ton b thit hi pht sinh, bao gm nhng khng hn ch bi cc thit hi nh: chi ph tm kim, thu gi x l ti sn bo m; chi ph lut s, n ph, l ph Ta n, ph thi hnh n; cc khon chi ph m Bn Ngn hng phi bi thng hay chu pht vi Bn th ba do vi phm ca Bn vay trc tip hoc gin tip gy nn v.v...; e) Thng bo bng vn bn cho Bn Ngn hng trong vng 05 ngy k t ngy xy ra mt trong cc trng hp sau:
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Xy ra mt trong cc trng hp nu ti im b), c), d), e) khon 1, iu 6 ca Hp ng ny; Bn vay thay i a ch tr s, a ch lin lc, in thoi; thay i ngi i din theo php lut v/hoc cc thay i khc nh hng n vic thng tin, lin lc gia hai Bn.

f) Khng c chuyn nhng cc quyn v ngha v ca mnh theo Hp ng ny cho Bn th ba, tr trng hp c Bn Ngn hng ng bng vn bn. 3. Bn vay c cc quyn v ngha v khc theo tha thun ti Hp ng ny, Hp ng bo m tin vay, cc vn bn khc k kt vi Bn Ngn hng v theo quy nh ca php lut. iu 10. Lut iu chnh v gii quyt tranh chp 1. Hp ng ny c gii thch v iu chnh bi php lut Vit Nam. 2. Cc tranh chp pht sinh t hoc lin quan n Hp ng ny, nu khng x l c bng thng lng, cc Bn c quyn x l theo ng cc iu khon tha thun ti Hp ng ny hoc c quyn (nhng khng c ngha v) khi kin ra Ta n nhn dn ni thc hin Hp ng ny gii quyt. Cc Bn thng nht rng ni thc hin Hp ng ny (ni k kt Hp ng, gii ngn tin vay) l ni c tr s ca Bn Ngn hng nu ti phn u ca Hp ng. Trng hp Bn Ngn hng khi kin Bn vay, cc Bn thng nht rng a ch ca Bn vay l a ch ghi ti phn u ca Hp ng ny. Nu Bn vay thay i a ch m khng thng bo cho Bn Ngn hng bng vn bn, th c hiu l Bn vay c tnh du a ch, trn trnh ngha v v Bn Ngn hng c quyn yu cu Ta n th l gii quyt v n theo th tc chung. Bn vay chp nhn vic Ta n xt x vng mt Bn vay, k c trng hp khng ly c li khai ca Bn vay. iu 11. Trao i thng tin 6

1. Cc thng bo, vn bn giao dch gia Bn Ngn hng v Bn vay s c gi theo a ch ca mi Bn nu ti phn u ca Hp ng ny. Trng hp Bn no c s thay i a ch th phi thng bo cho Bn kia bng vn bn; nu khng thng bo th Bn kia c quyn gi vn bn theo a ch c v mc nhin coi nh Bn cn li nhn c vn bn v ni dung cc vn bn ny c gi tr rng buc cc Bn. 2. Vn bn thng bo, trao i thng tin lin quan n hp ng ny c mt Bn lp v gi ti Bn kia s c coi l c nhn bi Bn kia vo thi im: a) Vn bn giy c gi trc tip ti ngi c lin quan ti a ch nu ti phn u ca Hp ng ny, hoc, b) Ngy lm vic lin sau ngy vn bn giy c gi bng th bo m ti a ch c nu ti phn u ca Hp ng ny, hoc, c) Vo ngy lm vic lin sau ngy vn bn c gi bng Fax ti s Fax c nu ti phn u ca Hp ng ny v khi gi Fax, my Fax thng bo gi v nhn thnh cng. iu 12. iu khon thi hnh 1. Mi thay i i vi cc ni dung ca Hp ng ny ch c hiu lc khi c cc Bn tha thun bng vn bn. Cc vn bn ny l b phn khng tch ri ca Hp ng. Nhng vn cha c cp n trong Hp ng ny s c thc hin theo cc cam kt, tha thun khc gia cc Bn (nu c) v theo quy nh ca php lut c lin quan. 2. Trng hp c iu khon no ca Hp ng ny b v hiu theo phn quyt ca c quan c thm quyn th cc iu khon cn li vn gi nguyn hiu lc vi cc Bn. Cc Bn s bn bc, tha thun sa i, b sung li iu khon cho ph hp vi quy nh ca php lut. 3. Hp ng ny c hiu lc k t ngy k cho n khi Bn vay thc hin xong tt c cc ngha v i vi Bn Ngn hng, c lp thnh 03 bn, c gi tr php l nh nhau, Bn vay gi 01 bn, Bn Ngn hng gi 02 bn. 4. Cc Bn xc nhn rng vic giao kt Hp ng ny l hon ton t nguyn, khng gi to, khng b p buc, la di, e da, nhm ln. Tng bn mt c li, hiu r, nht tr v cng k tn di y. I DIN BN VAY
(K, ghi r h tn, ng du)

I DIN BN NGN HNG

(K, ghi r h tn, ng du)

PHN K XC NHN BO M CA BN TH BA (Nu ti sn bo m l ca bn th ba)