😉 Greetings to regular and new readers! Gentlemen, in the article “How to lend money correctly and how to write a receipt” some useful tips that will be useful to you.
To lend or not to lend money is a familiar question. Many adhere to the rule: “I myself do not ask and I do not give to others.” But there are people (there are fewer of them among us) who always help everyone out if they have the opportunity. And there are often people who do not return the favor.
It’s a shame to someone who took his word for it and lent money that no one returned. So read these guidelines.
Tips: how to lend money
If you do not lend – no one will blame you for it – you should not explain and make excuses. But if you decide to lend money to an acquaintance, friend, friend or relative, you cannot do without a receipt. This is the key to solving possible problems.
There is another option: to take on bail some thing, the value of which is equal to the amount borrowed. But it may be difficult to sell this item if the money is not returned.
Today it is not a problem to find a sample of an IOU on the Internet. Here is the most correct option ↓
How to write a receipt correctly
- the receipt is written only by hand – text on a computer will not work! Otherwise, handwriting examination is impossible;
- the document must be in duplicate for the borrower and the lender. The borrower will no longer be able to make any corrections;
- passport details of both parties;
- signature and its decryption (surname, name, patronymic);
- the amount must be indicated in numbers and in words, so that it is impossible to correct something;
- it is important to indicate the specific purpose for which the loan is being lent so that it is not presented as a gift;
- be sure to indicate the period when the borrower must return the specified amount;
- the lender has the right to claim a percentage of the loan amount for each day of delay if the repayment period is violated. Indicate this nuance in advance;
- date of preparation of the document.
The document can be certified by a notary, but this is not necessary. If you have to go to court with a receipt that is not certified by a notary, a graphological examination will be carried out to verify its authenticity. That’s all the wisdom! Simple and reliable.
THE SESSION (sample)
I, Makarov Makar Makarovich, residing at the address: 347900 Russia, Rostov region, Taganrog, st. Lilovaya, 777, apt. 77, passport series 5555 number 555555, issued by the Department of Internal Affairs of Rostov-on-Don dated 03.08.1999.
received on March 2016, 347900 from Sidorov Sidor Sidorovich, residing at the address: 777, Russia, Rostov region, Taganrog, st. Lilovaya, 50, apt. 1111, passport 111111, number 02.02.1996, issued by the Federal Migration Service of Moscow dated 600 000 (six hundred thousand) rubles.
I undertake to return the money on time by the third of March 2017. In case of delay, I undertake to pay a penalty in the amount of one percent of the amount for each day of delay.
03.03.2016 signature / Makarov M.M. signature / Sidorov S.S.
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