Hello, the example is as follows:
Debit note
Today there are x x x x to x x x x borrowed RMB _____ million _____ thousand _____ hundred _____ hundred _____ pick up _____ yuan whole. Lower case _____ yuan. The said loan is agreed to be repaid before the _____ month _____ of 201_____, and the borrower shall be liable for the default payment of _____ if the loan is not repaid after the due date. The parties agree that this dispute is under the jurisdiction of the _____ People's Court.
Borrower: × × × × ID card number _______________
Address: __________ Phone: __________
Borrowing date: 201 _____ _____ month _____ day
How to write a loan note to have legal effect? 20 points
First, the notes on the writing of the loan are mainly as follows:
1, by the borrower handwritten loan in full and signed, do not print;
2, the content of the loan is expressed accurately, do not produce ambiguity;
3, the requirements of the time of the borrowing, the purpose of the borrowing (the use of the use of the loan shall not be lawful for illegal purposes such as gambling), the interest rate agreed upon, repayment term
4, the lender to deliver the money, try not to cash delivery, especially the large amount of money borrowed, through the bank remittance, and the other party's account name and the borrower is the same;
5, such as the other party's credit or repayment ability is not good, you can ask for a guarantee or guarantor.
Note: The borrower is the debtor that is, the person who needs to borrow money, the lender refers to the creditor that is, the person who provides the loan to lend money to others.
In addition, if the two sides need to agree on more matters, you can write a loan note at the same time, sign a loan contract, for detailed agreement.
Second, the loan model
Borrowing
For XX things, now borrowed from XXX (lender) XXX yuan, borrowing period of X months, the monthly interest rate of XX, the borrowed money has been delivered through the XXX (fill in the cash, bank remittance, etc.) form. If the loan is not repaid by the due date, interest will be charged at the rate of XX yuan per day instead.
Borrower: XXX
Year Month Day
III.
References:
How to write a formal loan note to have legal effect
A loan note in order for it to have legal effect, it should have the following content:
1, should be written clearly borrower and lender's full legal name;
2, should be written clearly the amount of money borrowed, including the amount of capital and lowercase;
3, should be written clearly the time period of borrowing, including the start and end date of the loan. Including the start and end of the borrowing month and year and a clear period of borrowing;
4, should write a clear repayment of the specific month and year;
5, should write a clear interest on the borrowing, there should be a clear annual or monthly interest rate, the total amount of interest on the borrowing of the final amount to be paid (including the amount of capital and lowercase) and other agreements;
6, should be written in a clear way to borrow the principal and interest repayment of the year and month and year of the time and the payment method ;
7, should be borrowed in person to sign the seal, handprint or handwritten signature.
How to write a loan core tips:
The format of the loan is not uniform provisions, but the loan needs to be legally effective, the content must meet the requirements of a loan to make it legally effective, it should be written in accordance with the following format:
The standardized format of writing a loan and the content of the following examples:
The loan
The loan
Today there are x x x x to x x x x borrowed RMB upper case _____ million _____ thousand _____ hundred _____ hundred _____ pick up _____ yuan whole. Lower case _____ yuan. The said loan is agreed to be repaid before the _____ month _____ of 201_____, and the borrower shall be liable for liquidated damages _____ if it is overdue. The parties agree that this dispute is under the jurisdiction of the _____ People's Court.
Borrower: ×××× ID card number _______________
Address: __________ Phone: __________
Borrowing date: 201_____ _____ month _____ day
How to write a loan note is legally valid
A loan note needs to have the the basic elements
1, the borrower's name, ID number, address. The borrower is an individual, must be signed in person, signed by others on behalf of the legal effect of the loan will be disputed. For example, Zhang San borrowing to sign Li Si's name, will bring legal trouble to the lender.
2, the lender's name: the requirement to write the full name, it is best not to write, borrowed Zhang sister, Li brother and other code words, so as not to claim the claim when the obstacles.
3, write clearly the amount of money borrowed: it is best to write the amount of money in currency, such as how much yuan, with upper case, lower case form written separately, so as not to handwriting is not clear to see the amount of the controversy, but be sure to check the consistency of the upper case, lower case.
4, the repayment period: for the agreement on the repayment period, there are advantages and disadvantages.
Write a clear repayment period: advantage: the creditor after the expiration of the creditor is good to logically ask the debtor to repay, especially between friends borrowing a collection of reasons. Cons: the creditor must pay attention to the statute of limitations, from the debit notes on the repayment period noted on the expiration of the date of calculation, within 2 years the creditor must advocate the claim (reminder letter to sign or to the people's court), otherwise the claim expires 2 years later, the creditor more than the statute of limitations, even if the prosecution is also very difficult to win.
Not writing the repayment period: Pros: you can ask for repayment at any time, not subject to the 2-year statute of limitations. The disadvantage: it is not good to ask for repayment between friends.
5, interest: private lending, there is a good agreement on the interest rate, in accordance with the agreement between the two parties to fulfill, if there is no agreement on the interest rate, as no interest loans. In the creditor separately claim repayment and pay interest before the date of this normal borrowing period, the people's court generally does not support interest.
6, the repayment method: a one-time repayment of capital and interest, or installment repayment of capital and interest, what period of time to pay how much, need to be clear down.
7, drop: the borrower's signature, the full date (month and year), the best seal hand touch.
How to write the note in law to be effective
The note has no legal effect, not in how to write. In the cause of the debt is legal or not, in the debtor whether to sign the money. As long as the language expression is accurate, no ambiguity, the person who owes the money signed the money, it has legal effect. Example, this owes to a certain wage of 12,000 yuan, a certain year, a certain month, a certain day to pay off, the person who owes money to a certain so-and-so. A certain year, a certain month, a certain day.
How to write a loan is legally valid, the interest is up to how much
Interest, as long as the interest rate does not exceed the same period of four times the bank loan interest rate can be
The note as a commonly used style, the use of which is to show that the two sides of the borrowing relationship is to ensure that the performance of the normal debt relationship of the most effective evidence. For the IOU writing format and the main points, according to the following method steps to do as a reference.
First of all, pay attention to the standardization of the format. Usually, IOUs are composed of three parts, the title (i.e., "IOU"), the body and signature (by the borrower and borrowing time) part.
We can refer to the following format
The loan
Wang Mou from Li Mou borrowed five thousand yuan for the purchase of furniture, the loan period of three months, from January 1, 2014 to April 1, 2014, the monthly interest rate of 2%, the late payment of one day to pay the borrowed principal of 3% of the liquidated damages.
Borrower: Wang Mou January 1, 2014
Note: The content of the loan note and the borrower's signature must be filled in by the borrower himself, otherwise it is invalid!
Secondly, to write the matter and reason for borrowing, and the amount of money borrowed, and at the same time to use capitals to indicate the amount of money.
The loan does not include repayment-related matters, if necessary, you need to attach another repayment-related agreements.
In addition, for the loan, in writing, should choose a larger font size text, in order to prevent malicious changes.
How to write a loan has legal effect
Hello!
As long as the format is right, there is a borrower's signature and handprint, are legally effective.
Give you a model for your reference:
Loan
Borrower: Name ____, Gender ____, Nationality ____, Date of Birth ______
Family Address:________________
ID Card No.: ______________
This is a loan from ______ to the Chinese Embassy in Beijing. p> Today to ______ borrow RMB upper case:____ yuan whole lower case:____ yuan whole, the term is ____ months.
On __ year ___ month ___ one-time repayment.
Hereby
Borrower:________
Guarantor:________
Borrowing Date:___Year___Month___Date
If you have any questions, please ask, please adopt, thank you
How to write a formal debit note to have the effect of the law
The note is clear file nature, and Pay attention to the top of the paper and the body of the text between not to leave a space, lest it be filled in other content;
In order to buy the server "the Supreme People's Court on the People's Court to hear a number of lending cases of opinion" Article 11: "the lender knows that the borrower is to carry out illegal activities and borrowing, its lending relationship will not be protected". ID card number to avoid the problem of the same name;
cash clear way to collect, is the bank remember to write down the account number;
ten thousand yuan whole to prevent the figures were changed, including the interest, date, etc. need to be capitalized;
borrowing period of six months clear lending period;
monthly interest rate of 8 ‰ clear interest, according to the new provisions of the APR of 24% or less by the law to protect, more than 24% but not more than 36% of the part of the natural debt, if it has been paid back, the court will not be forced back, more than 36%, even if it has been paid back through the court to get it back (on the comprehensive interpretation of the interest rate of private lending in the public number of the Mission Zi Hui reply "interest");
If the due date has not been repaid, and is willing to pay a monthly interest rate of 10 ‰ according to the Monthly interest rate of 10 ‰ to pay the late interest explicitly late interest;
set up this as the basis for the end as a loan note, in order to prevent the addition of other content after the fact, and the drop between the blanks;
Borrower: Tuan Tuan signature, preferably handprints, handwriting appraisal fee of 800-2000, and is not cheap.
How to write a loan to have legal effect
Model 1 (with interest), Model 2 (with conditions with interest)
Loan
Borrower __________ borrowed RMB __________ from the lender __________ on __________ ______ month ______ date ____________ for a period of ---- years at a monthly interest rate of 4%, and returned the principal and interest on ____________ ______ ______. If you can not return on time, you are willing to pay the liquidated damages of ____________ yuan.
Borrower (signature):
Date:
Fill in the specification
The above sample loan note, when filling in, should pay attention to the following matters:
1. It should be written clearly the full legal name of the borrower and lender, and it is best to attach an identity card number;
2. It should be written clearly the amount of money borrowed, including the amount of upper case and lower case;
3. should be written clearly the time period of borrowing, including the start and end of borrowing the month and year and a clear period of borrowing;
4. should be written clearly the interest on borrowing, there should be a clear annual or monthly interest rate, the total amount of interest on borrowing should ultimately be paid (including the amount of uppercase and lowercase), as well as the payment method and other agreements;
5. should be written clearly the borrowing principal and interest repayment of the year month and year and day of time And the payment method;
6. Should have the borrower's own personal signature, handprint or handwritten signature. [1]
7. If the amount is large should also indicate the purpose of the loan, or payment records.
How to write a formal loan to have legal effect
As long as the loan is clear, the fact that the lender and the borrower, the amount of money borrowed, the time of borrowing, etc. are legally binding.