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Receipt for the loan agreement. Debt receipt - sample writing, form, form (download for free)

A promissory note is a document used in civil law relations in order to minimize the risk that the transferred funds will not be returned. The law does not establish clear requirements for the preparation of this document, so it is important to know how to draw it up. Let us consider in detail the features of drawing up a promissory note.

○ The concept of a promissory note.

A promissory note is a document that is drawn up when transferring funds. It certifies that one party transferred the money in the amount specified in the document, and the second accepted it, obliging to return it within the agreed period.

Typically, a receipt is drawn up when funds are lent at interest. The purpose of the document is not only to record the obligation to repay the money, but also to indicate the final amount that should be transferred to the lender.

○ Features of compilation.

In confirmation of the loan agreement and its terms, a receipt from the borrower or another document certifying the transfer by the lender of a certain amount of money or a certain number of things to him may be presented.
(Clause 2 of Article 808 of the Civil Code of the Russian Federation).

The design of this document has its own characteristics.

✔ For a loan of more than 10,000 rubles.

If the transferred amount does not exceed 10 thousand rubles, the parties can enter into an oral agreement between themselves to return the money. But if the transfer object is larger, written confirmation of the transaction is required. In this case, you can draw up a standard loan agreement; it will be valid if signed by the parties, or simply issue a receipt.

Each document will be the basis for debt repayment.

✔ Notarization.

Notarization of transactions is required:

In cases specified by law.
In cases provided for by agreement of the parties, at least by law, this form was not required for transactions of this type.
(Clause 2 of Article 163 of the Civil Code of the Russian Federation).

It turns out that there is no mandatory requirement for the receipt to be notarized. There are some things to consider here. The notary will not certify the receipt as a separate document. He can only certify the loan agreement and the receipt as an appendix to it.

Thus, if you have not yet transferred the money against a receipt, but want to have the transaction notarized, draw up a loan agreement. And if the funds have already been transferred and you want to additionally insure yourself, don’t worry. The receipt is already a legal document as a basis for repayment of the debt. If problems arise, you will have to go to court in any case.

○ General rules for drawing up promissory notes.

The law does not establish specific requirements for the form of document preparation. The receipt can be handwritten or printed. The first option is preferable because if problems arise, you will have proof that the debtor personally and voluntarily filled out the document.

Despite the lack of an established form, drawing up a receipt still has some features.

✔ Contents of the document.

The document must include the following information:

Full name, passport and contact details of the parties.
Place of registration/residence.
The amount transferred into debt (in numbers and words).
Interest (if any).
Currency exchange rate (if money is transferred in euros or dollars, the rate is constantly changing and you need to insure yourself against possible losses).
Debt repayment period – it is advisable to indicate a specific date.
Signatures of the parties.

✔ IOU with interest.

The main feature of this form of receipt is the indication of the interest at which the funds are transferred. Considering that the document also records the period of use of the money, a calculation is made of the total amount to be returned.

If for some reason the debtor does not transfer funds on time, interest continues to accrue.

If the amount of debt is significant, it is better to draw up a full-fledged loan agreement and a receipt as an appendix to it.

Example.

I, Sergey Leonidovich Petrov, born in 1986, living in Krasnodar (passport 1234 564789 issued by the Krasnodar Department of Internal Affairs on October 20, 2006), give this receipt to Petr Vladimirovich Kravchenko, living in Krasnogorsk (passport 3216 654789 issued by the Moscow Department of Internal Affairs 21.1 2.1998 d) that I am S.L. Petrov. received from Kravchenko P.V. 40 thousand rubles at 10% per annum.

I undertake to repay the loan in full (47,500 rubles) by September 15, 2017.

✔ A promissory note without interest.

If funds are transferred without interest, the receipt indicates only the amount of debt and the repayment period. It is important to consider that the more specific information provided in the document, the easier it will be to use in the event of a dispute.

Example of an interest-free receipt

✔ An IOU with monthly payments.

For this method of calculation, it is advisable to draw up a loan agreement, because this form of document has greater legal weight and provides the opportunity to draw up a payment schedule. It is also easier to prove that the agreed monthly amount was not paid on time.

If desired, the payment schedule can be included in the receipt, but here it will rather be an indication of systematic payments.

But in the form of a receipt, the transferred loan will have the same legal force.

Thus, the correct execution of the receipt is crucial for repayment of the debt in the event of a controversial situation.

In our age of market relations, borrowing money and things has become commonplace. Some decided to borrow money to buy a home, some to develop a business, and some even “before payday” - there is nothing to live on. However, in all these cases, both the borrower and the lender need to know at least the basic provisions of the legislation governing these legal relations.

Agreement or receipt

As a rule, a loan agreement between individuals is drawn up by a receipt. From the point of view of the Law, it does not matter how the relationship between the lender and the borrower is formalized - a loan agreement or a receipt, the main thing is that this document, drawn up in simple written form, certifies the transfer of a sum of money by the lender to the borrower. The details of such a “document” are: surname, first name, patronymic of the parties, their passport details, place of residence; the amount of money, the date of receipt by the debtor, the term of the loan, interest on the use of funds and interest on late repayment of the debt (if the parties have agreed on this), the borrower’s signature with a transcript. However, it is possible to return the debt under a receipt in court, even if the “debt document” only indicates the amount of the debt, who transferred the funds to whom, and the borrower’s signature. Failure to indicate the loan term, interest and date of issue does not make the document invalid.

Is it possible orally?

The law allows you to conclude a loan agreement orally if the loan amount is less than 10 minimum wages, which is 1000 rubles. If you nevertheless borrowed money from someone in a larger amount and did not draw up a written document (did not take a receipt), you are unlikely to be able to prove that the loan took place. A lot of witnesses who are ready to confirm in court that they saw you transferring money will not help you, because it is legally unacceptable to refer to them to confirm the terms of the agreement (in this case, a loan).

Do I need to have the receipt certified by a notary?

A simple written form is sufficient. This literally means that you can create an IOU on any piece of paper! It is up to the parties to the loan agreement to decide whether to have it certified by a notary. It should be remembered that the notarized form of the receipt does not give it any greater legal force and does not make it more powerful evidence in court.

Type or write by hand?

It is better if the receipt is written by hand by the debtor (borrower). Then, if the debtor challenges the authenticity of his signature on a document in court, the expert will have more samples of the debtor’s handwriting to give an opinion and, accordingly, the expert will be more likely to answer the question: “is this the borrower’s signature?”

Can I borrow in foreign currency?

Very often, the subject of a loan agreement is foreign currency, such as dollars and euros. According to the Law, monetary obligations must be expressed in rubles. However, a monetary obligation may stipulate that it is payable in rubles in an amount equivalent to a certain amount in foreign currency or in conventional monetary units. In this case, the amount payable in rubles is determined at the official exchange rate of the relevant currency or conventional monetary units on the day of payment. Thus, the receipt should indicate not “received a loan of money in the amount of, for example, 100 US dollars,” but “received a loan of ... Russian rubles, which is equivalent to 100 (one hundred) US dollars.” Despite the fact that in 2002, in one of the “reviews of judicial practice”, the Supreme Court concluded that “a loan agreement containing an indication of foreign currency is subject to the same rules as a loan agreement concluded in rubles", it should be remembered that not all lawyers (and judges) share this point of view of the Supreme Judicial Body, and judicial practice tends to change unexpectedly. Therefore, when borrowing in foreign currency, do not forget the word “equivalent”, otherwise the lender risks not receiving anything due to the invalidity of the transaction, which does not comply with the requirements of the law (Article 317 of the Civil Code of the Russian Federation).

Challenging for lack of money

According to Article 812 of the Civil Code of the Russian Federation, the borrower has the right to challenge the loan agreement on the basis of its lack of funds, proving that money or other things were not actually received by him from the lender or were received in a smaller quantity than specified in the agreement. It should be remembered that if the loan agreement must be concluded in writing (), challenging it due to lack of money through testimony is not allowed, except in cases where the agreement was concluded under the influence of deception, violence, threat, malicious agreement between the borrower’s representative and the lender, or coincidence difficult circumstances (Article 812 of the Civil Code of the Russian Federation). As an example of the possibility of proving by testimony the lack of funds for a loan (as concluded under the influence of violence or threat), the following example can be given. A shortage has been identified at the company. The employer, under the threat of dismissal and contacting law enforcement agencies, forces the employee responsible for the shortfall to write a promissory note for the amount of the shortfall. In this case, the court may refuse the employer to collect this amount of the “loan” from the employee if the latter proves that the money was not actually transferred to him, the receipt was written under threat, and this is confirmed by witnesses.

The lender may be refused to collect the loan amount even if it does not follow from the text of the agreement or receipt that the borrower has received the money. For example, the phrase in the agreement “the lender undertakes to provide funds” does not mean that the funds have already been provided. Such an agreement must be recognized by the court as not concluded.

Interest for use

As a general rule, a loan agreement is assumed to be for compensation. This means that even if the agreement (receipt) does not indicate the amount of interest that the borrower must pay you for using your money, you still have the right to demand their payment. The amount of interest is determined by the existing bank interest rate (refinancing rate) on the day the borrower pays the debt amount or its corresponding part. If the agreement does not contain a condition on the payment of interest for the use of the loan amount, then the loan agreement will be assumed to be gratuitous only in two cases specified in Article 809 of the Civil Code of the Russian Federation: when the agreement is concluded between citizens for an amount not exceeding fifty times the minimum wage established by law (and this is 5,000 rubles today - author’s note), and is not related to the entrepreneurial activity of at least one of the parties; and when, according to the agreement, not money is transferred to the borrower, but other things determined by generic characteristics.

We also recommend a later publication: “Statements of claim for the collection of funds (debt) under a loan agreement, receipt. Sample” with comments, examples of statements of claim, examples of calculating interest on the loan amount collected under a loan agreement (receipt), interest for illegal use of funds means

Borrowing funds from relatives, friends, acquaintances and private investors who earn money in this way is best documented. A receipt for a loan of money between individuals is easy to draw up; you just need to take a sample and fill out a ready-made template. This is necessary so that no disagreements arise and the debt is returned within the agreed period.

Even if people trust relatives or friends to lend money, the conditions must not only be discussed, but certified with documents. There are often cases when former friends refused to fulfill obligations due to financial difficulties in order to insure themselves, and the transaction was drawn up in writing.

Sample form for a loan receipt between individuals

Issuing a receipt is a necessary measure to ensure that the parties fulfill their agreements. For what purpose is this document being compiled?

Confirms receipt of borrowed funds by individuals;
Guarantees compliance with the terms of the transaction - repayment period, amount, interest;
Ensures the fulfillment of its obligations - if there is no document, the borrower may refuse to repay the debt, or take an additional deferment without coordinating the actions with the other party;
Helps in controversial situations - if disagreements arise, you can go to court. The receipt will become the basis for satisfying the applicant's requirements. Even if other persons confirm that a person received money as a loan, this will not constitute evidence - documentary evidence is required.

There are no special requirements for drawing up the receipt - it is in free form. In order to protect yourself as much as possible from non-return of money, it is still recommended to fill it out correctly and take into account all the conditions. This is beneficial for both parties.

With interest

A receipt issued by individuals on a reimbursable basis is the most common practice. To correctly conclude a contract, you must:

Specify the rate and procedure for calculating interest;
Draw up a payment schedule if regular repayment is expected;
Enter the amount to be repaid when the debt is planned to be paid at the end of the transaction;
Indicate that if the conditions are violated, the creditor may demand early termination or additional payments - fines, increased interest rates.

In a situation where an agreement between individuals is drawn up without indicating the amount of interest, it is considered that they are accrued at the refinancing rate.

Basic rules for drafting

A loan receipt between individuals is drawn up in a single copy - this document confirms that the debtor received money for a certain period. There are several rules for compiling:

The receipt contains the borrower’s details - his full name, passport details, this is one of the required items;
The document is drawn up personally by the debtor and is handwritten;
At the end, a signature is placed and the receipt is given to the individual who provided the loan;
There is no need for a notary to notarize the document, and there is no requirement to hand over money with witnesses, but if you want to be on the safe side, extra precautions are taken.

To avoid any difficulties when drafting, it is recommended to find a sample, take into account the drafting process, and do not forget to indicate the required items so that the borrower can be identified.

Form and content of the document

The form of receipt for a loan between individuals is drawn up in simple written form, the following points are stated here:

Conditions – payment period, interest rate, method of debt repayment, loan currency;
Data of the borrower and lender - you need to indicate the series, passport number, residential address, full name;
Liability for failure to fulfill obligations - additional interest is charged in case of delay;
Signatures on a document confirming that the parties agree to the terms of the agreement.

Today, more and more often, receipts are printed on paper, because writing out all the items manually is not an easy process. This is a legally competent way to conclude a transaction, but the debtor and the lender are required to sign personally.

A sample of a document confirming a loan of money can be downloaded from.

Norms and laws on the topic

The procedure for issuing a receipt and transferring funds on a paid and gratuitous basis is regulated by the Civil Code. In order for a transaction to be legally valid, an agreement must be concluded in accordance with the provisions of this legal act.

Article 808 of the Civil Code of the Russian Federation indicates that a transaction the amount of which is more than 10 times the minimum wage must be concluded in writing. A receipt is issued to confirm that funds have been received. The borrower can present this document to the lender as a guarantee that the conditions will be met.

Termination

The lender may demand termination of the transaction if the other party does not fulfill its obligations. This may include delays, evasion of payment, or failure to comply with other requirements that must be reflected in the contract. Disputes between individuals are resolved voluntarily, or through court - the creditor files a claim, attaches a receipt for the loan, and if the outcome is positive, he is issued a writ of execution. You need to contact the FSSP for forced collection of funds.

Termination of the transaction at the initiative of the debtor occurs upon fulfillment of the obligations assigned to him. The lender is obliged to return the receipt, as well as confirm in writing that as of today, all funds have been received in full. However, if the borrower does not agree with the accrued interest, fines or the final amount, he can also defend his case in court.

04.01.2019

Why do you need a receipt, what is a cash receipt, in what cases is a promissory note drawn up, how to draw them up correctly? What is the difference between an IOU and a cash IOU?

Drawing up a debt (cash) receipt is necessary when concluding a loan agreement. The possibility of receiving money from it in the future depends on how correctly the receipt is drawn up. Such a receipt can be used in court as a loan of money and terms of the loan agreement.

A cash receipt must also be drawn up when concluding a written loan agreement, including a notarized one. It is the receipt that will confirm the fact of transfer and receipt of money by the borrower. If you have a correctly drawn up receipt on hand according to a sample prepared by a professional lawyer, it will be difficult for the borrower to deny his debt.

Do you want to protect yourself when borrowing money?

Why do you need a receipt?

A receipt is a document confirming receipt of something. As a rule, the receipt is drawn up by hand or printed. The receipt indicates who received what and for what. The date and signature of the recipient are included.

The receipt is a one-sided document, that is, it is drawn up and signed by only one person. The person who receives the item. The receipt is given for storage to another person, the one who transfers the thing. The receipt is a supporting document.

If necessary, it can be confirmed as evidence of a completed agreement.

The most common are receipts for receipt of money. Such a receipt confirms that the money was actually received. Money can be transferred under other types of contracts. A receipt can be used to confirm receipt of alimony and compensation for damages. receipt can confirm. that the employee received material assets or cargo for reporting.

And in all these cases, the receipt will act as proof of the relevant agreements.

What is the difference between a promissory note and a cash receipt?

If we talk about a receipt confirming a loan of money, then the terms cash or promissory note are equivalent. However, these concepts can be used in other situations. Thus, a cash receipt can transfer money in general, and not just as a loan (for example, a cash receipt confirms the repayment of a debt or the transfer of money for sold property). Not only money, but also other things can be transferred under a promissory note. From this we can derive the following definitions:

IOU- This is a document confirming the existence of a debt under a loan agreement.
is a document confirming the transfer of funds.

A promissory note can be used to lend money, things or securities. Using a cash receipt, money can be transferred both as a loan and to repay a debt or pay off other obligations.

Therefore, it would be correct to draw up a promissory note specifically to confirm the loan, and a cash receipt for other cases of confirmation of the transfer of money.

Requirements for a receipt for the transfer of money

Let's consider 5 mandatory requirements for a promissory note:

It is necessary to indicate the place of its preparation (the locality where the money is transferred).
Write down the name of the document being compiled - IOU or Cash receipt
The full last name, first name and patronymic of the person borrowing money and the person lending it must be indicated. The data is indicated without abbreviations, they must correspond to those indicated in the passport, it is possible to indicate the full passport data of the parties.
The loan amount is indicated (the specific amount that is transferred from hand to hand is indicated in rubles and kopecks; it is better to duplicate the digital data in written text).
The date when the money was received is indicated (the date is indicated in full, that is, day, month, year).
At the end of the receipt, the signature of the borrower is required (the signature must be written in full, correspond to the full signature of the borrower under normal conditions. If the document is printed on a computer, it will be correct if the borrower at the end of the receipt handwrites his last name, first name and patronymic without abbreviations and signs) .

There are 2 additional requirements for the receipt, which are indicated at the request of the parties:

The period when the money will be returned (repayment of the debt can be in parts or the entire amount). The date may be specified specifically as “DD-MM-YYYY” - this will be the correct option to avoid confusion, or a specified period of time. If the date is not specified on the cash receipt, the money will be returned 30 days after the creditor submits the claim.
The amount of interest for using money (usually the amount of interest is indicated for a month, but it is possible to indicate interest for any period) and the amount of interest (fine) for violating the terms of repayment of the loan (usually the amount of interest is indicated for each day of delay).

How to get money back from a promissory note

When you issue a receipt, you should think about how to get the money back later. It’s good if a good and trusting relationship has been established between the parties, and no force majeure events occurred during the loan, no one got sick, no one lost their job or other income. But no one is immune from these troubles in life.

When transferring money by receipt, you should in any case limit the transferred amount to the available capabilities, so that later non-repayment does not lead to bankruptcy of the borrower.

When drawing up a receipt for receiving money, carefully read all the data indicated in it so that there are no errors. Pay special attention to the correct spelling of the surname, first name and patronymic of the borrower and debtor (it is better to check with the passport), as well as the amount of money indicated in the receipt (it is better if, in addition to numbers, the amount is written down in words). The promissory note must indicate that the money is being transferred as a loan.

In case of delay in repaying the debt according to the receipt, violation of the terms of the loan agreement, the loan is filed with the court.

Samples of promissory note

IOU TO RECEIVE MONEY

For the use of funds interest is established at the rate of ____% per month.

The borrower shall return the money and interest for use specified in the receipt within “___”_________ ____.

IOU (no interest)

Compiled in _________ (name of locality).

I _________ (indicate the full last name, first name and patronymic of the person who borrows money) received from _________ (indicate the full last name, first name and patronymic of the person from whom the money is borrowed) as a loan under a loan agreement ______________ (indicate the amount in rubles) .

Borrowing money is interest-free.

The borrower shall return the money specified in the receipt within “___”_________ ____.

Date of receipt “___”_________ ____

Borrower's signature: _______ (full full name)

IOU RECEIPT (general sample)

Compiled in _________ (name of locality).

I _________ (indicate the full last name, first name and patronymic of the person who borrows money, things or securities) received from _________ (indicate the full last name, first name and patronymic of the person from whom the money, things or securities are borrowed) in debt for loan agreement ______________ (indicate the amount in rubles or the quantity and distinctive features of things, the name and quantity of securities).

For the use (of money, things or securities) interest is established at the rate of ____% per month from __________.

The borrower makes the return of the money, things or securities specified in the receipt and interest for use within “___”_________ ____.

For violation of the deadlines for repayment of the debt under the loan agreement and interest, the borrower undertakes to pay interest in the amount of ____% for each day of delay on the overdue amount.

Date of receipt “___”_________ ____

Borrower's signature: _______ (full full name)

Download a sample receipt:

Sample cash receipt

CASH RECEIPT

Compiled in _________ (name of locality).

I _________ (indicate the full last name, first name and patronymic of the person receiving the money) received from _________ (indicate the full last name, first name and patronymic of the person giving the money) a sum of money in the amount of _______ rubles. (amount in words) on account of _________ (indicate the reasons for transferring money).

Date of receipt “___”_________ ____

Signature of the person who received the money: _______ (full full name)

Download a sample receipt:

Questions when issuing a cash receipt

Is it necessary to notarize a promissory note confirming receipt of money?

A receipt confirming the conclusion of the loan agreement. The receipt itself is not certified by a notary. The receipt is in simple written form - this means that it can be handwritten or printed. The loan agreement does not require notarization, but such certification can be carried out with the consent of the parties. In practice, simple receipts drawn up by the parties independently have the same force for the court as a loan agreement certified by a notary.

The money is already borrowed, there is a debt, but the receipt has not been issued, what should I do?

A receipt can be issued at any time. The law has no restrictions on the time of its preparation. It is clear that the consent of the other party will be required. But if she doesn't mind. issue a promissory note at any time. In such a receipt, additionally indicate the time of actual transfer of money, the amount of debt and the date of repayment of the debt. Such a receipt will help if further problems arise in court.

Is it possible to use this receipt to formalize the receipt of money from a friend, acquaintances, or relatives?

The presented sample receipt is suitable for any cases of transferring money into debt, but it is better to draw up a loan agreement.

I take money from the bank to give it to a friend, how do I issue a receipt?

If you take such a step, you should think about why the bank does not give money to this person. If the bank is not confident in its solvency, why do you have such confidence? It is best to draw up a loan agreement, in which you repeat the terms on the transfer and return of funds, payment of interest and penalties that are specified in the loan agreement. Specify the same payment terms and loan repayment terms to later protect yourself from overpayment.

How is a partial refund of a promissory note processed?

Refunds can be issued in separate receipts confirming receipt of money or indicated in the text of the receipt itself. In this case, the borrower must write: money in the amount of _____ rubles. from _______ (full name of the borrower) received “___”_________.

What is the difference between a loan agreement and a promissory note, which is better to draw up?

The difference is that a receipt is a simpler form of confirmation of the transfer of money as a loan. As lawyers, we always recommend drawing up an agreement, but in some cases you cannot do without a cash receipt. For example, when you need to transfer money quickly, “on your knees,” there is no time to draw up an agreement or list in detail all its terms.

Whether or not to lend money is a purely personal matter. Everyone decides for himself whether he wants to take on the solution of other people's financial difficulties. But if you decide to help close people (or just good acquaintances) in a difficult moment, you need to do it in such a way as not to harm yourself.

In order to avoid getting into an unpleasant situation when you cannot return money borrowed temporarily from a seemingly responsible person, you should arrange such a loan in writing. So, if you are going to lend, then lend the money against a receipt.

A promissory note is evidence of the transfer of funds from one person to another. It is drawn up both with and without a loan agreement.

People are different and it is at least unreasonable to simply trust someone’s word for it, regardless of the loan amount. If the amount being lent is significant, a receipt for receipt of funds from the borrower is simply required.

Let us examine in more detail how to correctly draw up a receipt so that, if necessary, it can be presented in court as evidence that the borrower received the money as a loan.

Requirements for registration of a receipt

The execution of a receipt for receiving money as a loan is not regulated by any legal acts, so the form of its writing can be free.

Both a receipt printed on a computer and signed in person and one written by the borrower in his own hand have the same legal force.

Although, if the borrower writes a receipt by hand, then there will certainly be no doubt about its authenticity.

Despite the fact that the form of presentation in the receipt is free, it must meet a number of requirements. A receipt for a loan must contain the following information.

Place of money transfer

A receipt for a loan of money must begin with an indication of the place (locality) where the transfer of money takes place.

As a rule, the city or village where the event takes place is indicated at the top left of the form.

Data about the borrower and lender

Here you must indicate the last name, first name and patronymic of the person who borrows and the person who lends money. Abbreviations are not allowed. You should carefully check the data with your passport.

The loan receipt may also contain passport information.

Important! Carelessness when writing a receipt may result in its being declared invalid.

Therefore, you need to draw up a receipt extremely carefully, and double check all the data entered into it.

Loan amount

The loaned amount must be indicated in full. To avoid corrections, in addition to numbers, you should also write it in words.

date

Any legal document must be dated. The date when the receipt and/or loan agreement is drawn up is the date on which debt relations between people began, confirming the fact that the money was transferred.

The date can also be written in numbers and in words.

Borrower's signature

The borrower can sign the printed text and decipher his signature in brackets (write down his last name and initials).

However, it will be better if all the text is written in the borrower’s handwriting. This will make the document look more authentic.

You need to pay attention so that the signature looks the same as in normal human conditions. There should be no doubt about its authenticity.

Signatures of the lender and witnesses

The borrower confirms with his signature the fact of transfer of the amount of money indicated in the receipt

If desired, the receipt for the loan of funds can be certified by witnesses. But even without their signatures, the document will be valid.

Additional requirements

It is not necessary, but it is highly advisable to include a deadline for repayment of borrowed funds in the receipt. It is better to indicate a specific date, but you can also determine the time period for which the money is issued.

If the repayment period of the debt is not specified, then the money should be returned within a month. However, to avoid misunderstandings, it is better to indicate a specific date.

Another important point, which can be reflected in the receipt if desired, is the accrual of interest for the use of money and fines in case of failure to repay the debt on time.

As a rule, accrual of interest is not accepted among relatives and friends. However, if money is lent to someone other than your closest acquaintances, then no one can prevent him from protecting his investments from inflation by charging you interest.

This is especially true if money is borrowed for a long period of time, because the term of the debt obligation can be a year or more.

If funds are borrowed in foreign currency, it is imperative to record the equivalent of the loaned amount in rubles and the rate at which the foreign currency is converted at the time of the loan.

Sample receipt

Let's look at an example of what a receipt for a cash loan looks like. The sample shown is arbitrary, differences are acceptable. The main thing is to fundamentally understand how to draw up a receipt.

It is worth repeating once again that the borrower’s receipt, in which he confirms the fact of receiving the money in debt, is a guarantee of its return, so you need to know how to apply.

How to lend money correctly?

When a person lends money, he naturally hopes to get it back. However, it is worth understanding that situations in life are different. After all, the very fact that the debtor turned to you indicates that he is not able to fully control his finances.

Even if we assume that the recipient of the loan is a model of honesty and is ready to repay debts on time, we cannot exclude a situation when he simply cannot do this due to the difficulties that have befallen him.

Therefore, when lending money, you need to be prepared to part with it forever. This means, in particular, that the amount of such a loan should not ruin the lender in the event of a permanent loss of these funds.

But non-repayment of debt is an extreme situation. To be able to receive funds back, you must comply with a number of rules:

You should lend money only to reliable, trusted people;
if the person you are going to lend money to is not well known to you, find a guarantor among your friends who will confirm his reliability;
find out what money is needed for - this way you will find out whether the person really needs it, and also, perhaps, you will be able to help non-materially;
stipulate the terms of return, find out at what expense the person is going to repay the debt - this will be a guarantee of his solvency, a guarantee that the money will be available.

Money loves accounting, so even wealthy people should not throw it away left and right, lending it to unreliable people. This way you can turn into an unofficial source of passive income for unscrupulous debtors.

The desire to help loved ones should not become an obligation to cover the expenses of those who like to live at someone else’s expense.

Repayment of borrowed funds

If the borrower is ready to repay his debts on time (with or without interest, depending on the terms of the agreement), then, just like in the procedure for obtaining a loan, a receipt for the repayment of the loan is issued.

Drawing up such a receipt will avoid misunderstandings and problems in the future and will confirm the fact of the refund.

The form of the receipt for the return of money may be the same as that of a promissory note. Here you should also indicate information about the debtor repaying the debt and the lender. Record the date and location of the event.

It is necessary to fully indicate the amount being returned, indicate if it includes interest and penalties. If there was a loan agreement, then you need to indicate in the debt repayment receipt that the money is being returned precisely under this agreement.

The person borrowing money must confirm with his signature that he has received the money in full and has no claims against the debtor.

Going to court

If the issue is not resolved so successfully, and the borrower does not want to put himself in the position of the debtor and forgive him the debt, then he has the right to sue the debtor in order to recover the unpaid amount from him.

It is in this situation that a promissory note comes in handy. For the court, the receipt is valid even without a loan agreement; it does not need to be certified by a notary. The main thing is that the form for drawing up the receipt includes all the agreed upon essential points.

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