Every person from time to time needs a large sum of money. For example, when there is not enough for a vacation, household appliances or even the purchase of an apartment. Of course, you can take the missing money from the bank, however, obtaining a loan will take a lot of time, and they can refuse to issue at the last moment. In addition, you will have to overpay, and in the case of large purchases, the bill can go up to tens of thousands of rubles. Therefore, many prefer to borrow the missing amount from relatives or acquaintances.
It has long sunk into oblivion, if at all there were ever those times when they lent on parole. If your friend or friend asked for money for a large purchase on loan, be sure to ask him for a receipt and do not be afraid to offend with mistrust. Otherwise, you may lose both your friend and money.
How to write a receipt is far from an idle question. Only a well-written document can be evidence of the transfer of money and will be recognized by the court. In principle, the law does not impose special requirements on the appearance of the document and the form of writing. A receipt can be written in poems and on a piece of paper, the main thing is its content. The only thing that is usually recommended to write it by hand, rather than typing on a computer. In this case, if necessary, it is easier to prove the fact of handwritten writing of the receipt by the debtor.
Before writing a receipt, you should make sure that the person to whom the money is issued has a valid passport. If there is no passport for some reason, there must be an identity document with a photograph. If you have a passport, but it is expired, it is better to postpone the transaction and wait for the appropriate paperwork.
How to write a receipt? The sample is approximate, but on its basis it is possible to compose a real document:
I, Ivanov Ivan Ivanovich, 10. 02. 1983 year of birth (hereinafter - by whom and when was the passport issued, its number and series, residence address and / or address of actual residence) I borrowed from Petrov Petr Petrovich (indicate his passport details) 2000 rubles (the amount in words - two thousand rubles). I undertake to return such a date (the date is indicated). If you have agreed to repay the debt in installments, it must be indicated which part, in what amount the debtor must return. The signature of the debtor, the transcript of the signature and the date of writing the receipt are put below.
What points should I consider before writing a receipt? The document must not contain spaces between lines. If there are any, it is worth crossing them out to exclude the possibility of entering additional information in empty spaces.
The receipt is written in two copies - one is transferred to the creditor, the other remains with the debtor.
Before writing a receipt, you should invite independent witnesses, since the paper as such does not have legal force. It is better if they are outsiders, not interested. Otherwise, the court, if the case comes to trial, may not count their testimonies.
Before writing a receipt, you need to recount the money in the presence of witnesses, voice the amount and transfer it from hand to hand. Witnesses in turn sign under the main text:
We (name, passport data, contact information) assure that this receipt was written by the debtor Ivanov Ivan Ivanovich (his contact information and passport data) and transferred to the creditor Petrov Petr Petrovich (passport data and contact information) after Ivanov Ivan Ivanovich was funds (amount in words) were transferred by Petrov Petr Petrovich, about which we personally sign (place, time and date, signature).
If we are talking about large amounts, it is better to contact a notary public for drawing up a loan agreement and certification of a receipt.
If desired, the text can specify penalties, fines and interest that the debtor is obliged to pay in case of untimely transfer of debt. Of course, you must specify the amount and terms of payment of interest (for example, as a percentage of the original amount).