Question: Hello, I have a relative who wants to borrow 80000 yuan from me. I want to ask him for a receipt. How to write the receipt has legal effect
1. The borrower's name, ID card number and address. If the borrower is an individual, he or she must sign in person. The legal effect of the IOU signed by others will cause disputes. For example, the signature of Zhang San's loan to Li Si will bring legal troubles to the lender. 2. The name of the lender: It is required to write the full name, but it is better not to write it. Borrow the code names of Sister Zhang, Brother Li, etc. to avoid obstacles when claiming the creditor's rights. 3. Write clearly the amount of the loan: it is better to write the currency of the amount, such as the amount of RMB, in words and figures separately, so as to avoid disputes over the amount that cannot be clearly seen because of unclear handwriting, but it is necessary to check the consistency between words and figures. 4. Repayment period: There are both advantages and disadvantages to the agreement of repayment period. Write clearly the repayment period: benefit: after the creditor is due, it is reasonable to ask the debtor for repayment, especially a collection reason for loans between friends. Disadvantages: Creditors must pay attention to the limitation of action. From the expiration date of the repayment period noted on the IOU, the creditors must claim the creditor's rights within 2 years (sign the collection letter or file a lawsuit with the people's court). Otherwise, two years after the expiration of the creditor's rights, the creditor will exceed the limitation of action, and even if the lawsuit is filed, it will be difficult to win. Do not write the repayment period: interest: repayment can be requested at any time, not subject to the two-year limitation of action. Disadvantage: It's not good to urge repayment between friends. 5. Interest: For private lending, if there is an agreed interest rate, it shall be performed according to the agreement of both parties. If there is no agreed interest rate, it shall be regarded as an interest free loan. The people's court generally does not support the interest for this normal loan period before the date when the creditor claims repayment and pays the interest. 6. Repayment method: whether to repay the principal and interest in a lump sum or by installments, and the time limit and amount of repayment need to be determined. 7. Signature: signed by the borrower, complete date (MM/DD/YYYY), and it is better to print and touch.
