借錢给親友的五大黄金法则

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Rule 4: Always Put the Loan in Writing
法例4：告貸须有书面記实

Memories fade, priorities get shifted and clashing opinions over what you originally agreed to can cause problems between friends or family, says Priyanka Prakash, a finance specialist at Fit Small Business and a former business attorney.
普里扬卡•普拉卡什現任Fit Small Business的融資专家，也曾是一位贸易状師，她暗示，影象退化、重心转移及對本来共鸣發生不同均可能為本身和朋侪或親人世造成困扰。

Another benefit to having the amount and conditions in writing: Drawing up an official loan document makes it more likely that the borrower will take the loan seriously and pay it back on time. “So if you miss a payment, this is the piece of paper that we’ll look at that’ll help us to decide what to do, so it moves the friendship out of the way,” adds Ellis.
告貸金额和前提有书面記实的此外一個益处是：制订正式告貸文件會使告貸人更當真看待此事并增长定時還錢的機率。埃利斯弥补道：“若是没有收到還款，咱們可以按照告貸文件行事，這時辰就得把交情放在此外一邊了。”

When registered nurse Lisa Schloeder, 49, decided to help a colleague enroll in a nursing assistant program, she wanted the $1,凍齡霜,500 loan agreement on paper. “I saw this woman at the office every day, but I still thought it was best to put everything in writing to make sure we both understood what we were getting into,” remembers Schloeder.
49岁的注册护士丽莎•施勒德在帮同事报名加入照顾护士员项目時，就把借给同事的1500美元报名费制成纸质告貸协定。施勒德暗示，“固然我每天在病院事情都能瞥見她，可是我感觉最佳仍是把各類细节都記实下来，做到有章可循，如许就可以确保咱們两小我都大白應當做甚麼。”

Her foresight paid off. “There was a check waiting for me every two weeks as we had agreed, and I felt great seeing what an amazing nursing assistant she became for our practice,” she says.
她的遠見很有成效。她说，“就和咱們當初说好的那样，把告貸分成魚訊,几份了偿，她每两周就會给我支票。當看到她由于這段時候的照顾护士实践，酿成一個了不得的照顾护士员時，我不晓得有多欢快呢”。

You can draft a simple personal loan agreement without hiring an attorney, Prakash says. But more complex deals—for example, if they involve collateral or involve more than $10,000—may require a lawyer to be involved.
普拉卡什認為，小我告貸可以不消请状師，只需草拟一份简略的告貸协定便可。可是若是是比力繁杂的買賣，好比触及典质品或現金板,金额跨越一万美元時，最佳仍是请個状師。

Ideally, a loan agreement should be dated and stLPG,ate the loan amount, due date for paying it back in full, the payment schedule and any agreed-upon late payment fee (see Rule 5) or interest. Full contact information for the loaner and borrower and both of your signatures, either handwritten or electronic, are important, says Prakash.
普拉卡什暗示，一份抱负的告貸协定應注嫡期和告貸金额，债務人全额還清告貸的刻日，還款规划和协商好的滞纳金（详見法例5）或利錢。债权人和债務人的完备接洽方法，两邊的具名（手写或電子版）都十分首要。

If loaners need help pulling a formal document together, they can opt to search online for a promissory note template, which states the promise to pay someone back and can help ensure that al收納纸巾盒,l the important details are covered. In most states a promissory note just needs to be signed by the borrower to be valid, but it’s better if you sign, too, so that the intent of both parties is clear should you have to go to court, Prakash says.
若是债权人在草拟正式文件時必要帮忙，可以到網上搜刮借券模板，模板注有债務人包管奉還债款的许诺，并确保所有的首要细节都包括在内。在大都州内，借券只要有债務人的具名即為有用，可是债权人最佳也在其上具名，如许两邊的意向都很明白，即便有天不能不走上法庭，也有白纸黑字的证据。