A receipt to receive money for renting an apartment, an advance for a car sold or simply about a cash loan is a standard contract that is often concluded between private individuals. Moreover, Russian citizens are divided into two types: some require a receipt, while others are embarrassed to ask for a guarantee of payment of a debt even with a loan of a million rubles. The latter often motivate their reluctance by the fact that they are afraid to offend people with their distrust. Meanwhile, the receipt of money is a guarantee for both the debtor and the lender: one clearly represents the amount of the debt and understands that they cannot demand more than the agreed amount from him, and the other knows that the money will be returned to him in any case. And even if the borrower changes his mind to return the money, you can always demand it in court, confirming the validity of your claims with a receipt.
Law requirements
A receipt to receive money must be issued upon a loan of any amount exceeding a thousand rubles (10 minimum wages). This is a requirement of the law of the Russian Federation. The form of the receipt is arbitrary. When loaning (receiving) large amounts, it is recommended to notarize the document - this will serve as an additional guarantor.
There is no legislatively approved form of receipt, so it can be written on any piece of paper. However, it is necessary to indicate several mandatory points in the document: full name and passport details of the borrower, full name and passport details of the lender, loan amount in words, repayment period (if it is a loan), interest or a note that the loan is interest-free, place of drawing up the document, date and signature of the payee.
A receipt for borrowing money: expert advice
For borrowers:
1. Write a receipt with your own hand. When it is necessary to sign the printed text, do not leave spaces between the signature and the text.
2. Carefully read the printed text, especially information about the amount of the debt, terms of repayment, interest rate and penalties.
3. Try to get your signature in several places on the printed text.
4. Demand your copy of the receipt, signed by the creditor to agree to the terms. This will help to avoid annotations and changes to the document is not in your favor.
For lenders:
1. Take only a handwritten receipt.
2. The receipt should be written with a ballpoint pen and not with a gel pen (this is important for an expert in authenticating).
3. The text should consist of at least 4-5 sentences, make sure that the receipt is written in your presence, on a flat surface and with your right hand (if the borrower is left-handed, then with your left).
4. Verify the signature on the passport and the signature on the receipt.
Collecting money
The receipt of receipt of money, like any other debt obligation, has a limitation period. It is equal to three years from the date of receipt of the loan. And this must be taken into account in cases where your debtor asks for a delay: if you want to give it, then take care of drawing up a new document, in the case when the statute of limitations of the old receipt is about to expire.
If your debtor does not show a desire to return the money, then write a statement to the court. After making a decision in your favor, you must transfer the writ of execution to the bailiff service at the place of residence, which will collect the debt from the borrower in your favor.