How to borrow money from a bank is understandable. Collect a package of necessary documents, fill out a bank questionnaire and give all the data about yourself. The bank's security service checks your information and draws up an official loan document. But often money has to be borrowed from friends or acquaintances, sometimes large sums. How to get loans in this case in order to protect yourself and the people who lend from all kinds of misunderstandings.
Instructions
Step 1
It is imperative to draw up a receipt certified by a notary. A receipt not certified by a notary has the same legal effect if the loan amount exceeds 1 thousand rubles. In writing a receipt, certain rules must be followed.
Step 2
The receipt must be handwritten. It cannot be printed, since in the event of mutual claims, only a receipt written by the borrower's hand has legal force.
Step 3
The receipt contains all the personal data of the one who takes the money and the one who borrows. Indicate the passport details of both parties, the address of permanent registration and actual residence. The amount of debt is indicated in figures and words in rubles or in dollar terms. The date of the refund must be indicated, the percentage amount for each day of delay in case of late return is indicated.
Step 4
It is better not to write the amount of interest for using the loan. Add it to your total debt.
Step 5
It is necessary to indicate in the receipt the personal and passport details of two witnesses. It is also better to give and take money in front of witnesses.
Step 6
Signatures of all parties to the transaction and their decryption are put. The date of the receipt is indicated.
Step 7
In all empty places it is necessary to put dashes in the form of Z, so that nothing can be added.
Step 8
Give the receipt to the lender only after receiving the money. After the loan is returned, the receipt must be collected.
Step 9
It is better to take a written confirmation that the debt has been repaid in full. You also need to give money in front of witnesses.
