中文版：请审查我提供的借款合同或借款协议。重点检查借款金额、实际到账金额、利息、费用、还款期限、还款方式、逾期责任、提前还款、担保、保证、抵押、质押、违约责任以及争议解决。
请区分合同约定金额与实际资金流，并指出是否存在隐藏费用或可能产生争议的计算方式。
如果利率、违约金、担保责任等内容受到司法辖区限制，请不要直接判断是否合法，而是说明需要根据当地现行法律进一步核实。

英文版：Review the loan agreement I provide. Focus on principal amount, actual funds received, interest, fees, repayment schedule, payment method, late-payment liability, early repayment, guarantees, security interests, default remedies, and dispute resolution.
Compare contractual amounts with actual money flows and identify hidden fees or unclear calculation methods.
If interest rates, penalties, guarantees, or security rights are jurisdiction-specific, clearly state that current local law must be verified before reaching a legal conclusion.

该提示词已在以下工具中验证有效：ChatGPT、Claude、Gemini