A receipt is a document drawn up when concluding a loan agreement. According to paragraph 1 of Article 807 of the Civil Code of the Russian Federation: “Under the loan agreement, one party (the lender) transfers to the ownership of the other party (the borrower) money or other things defined by generic characteristics, and the borrower undertakes to return the same amount of money (the loan amount) to the lender, or an equal number of other things he received of the same kind and quality."
A well-written receipt will protect you from many problems in the future and will serve as indisputable evidence in court.
Instructions
Step 1
It is recommended that the receipts be certified by a notary. But this is not a prerequisite. When certifying a receipt by a notary, you do not need to draw up it yourself, it will be drawn up and certified by the notary himself.
If you decide not to notarize the document, then you can draw up a receipt yourself in the presence of witnesses. The presence of witnesses during the transfer of money or things is also stipulated in the receipt and will serve as an additional guarantor of the fulfillment of obligations. In the event of a legal dispute, the witnesses of the transaction will confirm its validity and the circumstances of the transaction. Often the borrower and lender prefer to do with a simple form of receipt without witnesses and notarization.
Step 2
Since a receipt is a form of a loan agreement, certain requirements must be met.
The last name, first name, patronymic, passport data and the address of registration and residence of the parties to the agreement must be indicated: the Borrower, the Lender, as well as witnesses (if present).
A desirable, but not a prerequisite for a loan is the term for the return of funds. In cases where the repayment period is not established by the agreement or is determined by the moment of demand, the loan amount must be returned by the borrower within thirty days from the date the lender submits a request for this, unless you have established a different period in the agreement.
The parties can provide for interest on the loan, or interest accrued for late repayment of funds. However, it should be borne in mind that in the event of a legal dispute, the court may reduce the amount of interest.
Do not forget to indicate the date of drawing up the receipt and be sure to sign the parties with their decoding.
Step 3
SCHEDULE
in receiving funds (simple, interest-free, without witnesses)
I, the full name of the Borrower (passport XX XXXXXX issued by whom, when, registered at the address: place of registration, residing at the address: place of residence) received from the full name of the Lender (passport XX XXXXXX issued by whom, when, registered at the address: place of registration, residing at: place of residence) cash in the amount of (indicate the amount in figures and words) for a period up to (indicate the date, month and year)
Borrower's signature
date
Step 4
SCHEDULE
in receipt of funds (indicating interest, without witnesses)
I, the full name of the Borrower (passport XX XXXXXX issued by whom, when, registered at the address: place of registration, residing at the address: place of residence) received from the full name of the Lender (passport XX XXXXXX issued by whom, when, registered at the address: place of registration, residing at: place of residence) cash in the amount of (indicate the amount in figures and words) for a period up to (indicate the date, month and year).
In case of delay in repayment of funds within the specified period, interest is calculated on the loan amount (we indicate the percentage, for example: 0.1% for each day of delay).
Borrower's signature
date
Step 5
SCHEDULE
in receipt of funds (indicating interest, in the presence of witnesses)
I, the full name of the Borrower (passport XX XXXXXX issued by whom, when, registered at the address: place of registration, residing at the address: place of residence) received from the full name of the Lender (passport XX XXXXXX issued by whom, when, registered at the address: place of registration, residing at: place of residence) cash in the amount of (indicate the amount in figures and words) for a period up to (indicate the date, month and year).
In case of delay in repayment of funds within the specified period, interest is calculated on the loan amount (we indicate the percentage, for example: 0.1% for each day of delay).
The transfer of funds was made in the presence of witnesses:
1. Full name of the Witness (passport XX XXXXXX issued by whom, when, registered at the address: place of registration, residing at the address: place of residence);
2. Full name of the Witness (passport XX XXXXXX issued by whom, when, registered at the address: place of registration, residing at the address: place of residence);
Borrower's signature
Signatures of the Witnesses
date
