This agreement is entered into by and between the Lender and the Borrower (hereinafter referred to as the 'Parties'). The Parties agree to abide by the terms and conditions set forth in this agreement, which is governed by the principles of equity, fairness, honesty, and reputation.

Article 1: Loan Form

To apply for a loan, the Borrower shall provide a secured ID card and complete the loan application form.

Article 2: Premium Interest Rate

The interest rate, fees, and charges applicable to the loan shall not exceed 25% per annum.

Article 3: Loan Terms

Pay interest on time.

Repay the principal amount on time.

If unable to repay the loan due to unforeseen circumstances, cooperate with the Lender to finalize the payment.

Comply with all terms and conditions of this agreement.

Article 4: Loan Application

In the case of online borrowers without collateral, the Lender shall conduct a risk assessment based on the Borrower's financial status. The Borrower shall provide proof of financial stability and confirm their ability to repay the loan. If the loan cannot be repaid, the Borrower shall assist in resolving the issue.

Article 5: Lending

Prior to granting a loan, the Lender shall review the following factors and make a decision based on their assessment:

The Borrower's compliance with legal formalities and regulatory requirements.

The Borrower's payment history and financial position.

The Borrower's compliance with loan terms specified in this agreement.

Any adverse changes to the Borrower's business or financial position.

Article 6: Loan Use

The Borrower shall not use the loan for illegal activities. Failure to comply with this provision may result in immediate repayment of the principal and interest, as well as legal consequences.

Article 7: Modification or Termination

Neither party shall modify or terminate this agreement without prior consent. If either party wishes to terminate this agreement, they must notify the other party in writing and provide a reasonable notice period.

Article 8: Dispute Resolution

The Parties agree to resolve disputes through negotiation. If negotiations fail, either party may seek mediation through a local arbitration committee or bring the matter to a local court.

Article 9: Cancellation

If the Borrower cancels their loan, they shall pay a processing fee equal to 50% of the loan amount as liquidation damage. The fee will be refunded after 10 working days.

Article 10: Effective Date

This agreement takes effect from the date of signing by both parties (including electronic agreements). The text of this agreement has the same legal effect as a written document. Both parties shall keep a copy of this agreement.