The person close to you swears and pledges the word of honor that everything will return in a month. It is possible to believe, of course, it, however the receipt will be the best providing the word of honor.
The receipt is a way to secure itself in case one of the parties suddenly will refuse the obligations and it is necessary to restore justice in court. One of types of written proofs in court.
Cases when the receipt is necessaryThe debenture
will come to the rescue when there was a need to lend or borrow money. Your acquaintance or the colleague, or perhaps the relative asked for you as a loan the considerable sum of money. Popular wisdom about it tells the following: "You want to lose the friend – borrow to him money". Often it happens that you borrowed money, and then the friend or does not repay a debt in time, or in general vanishes. How to be in such situation? There is a wish to help the person and to help out him at a difficult moment, but at the same time and itself it is necessary to secure as the money not came on a silver platter, and are earned by work.
Also other situation is possible. It you need money and you want to stipulate accurately the sum of a loan and term of return that then through any time did not show you to return a large sum, than you borrowed.The receipt at receiving transfer money
from one person to another for any goods or services. The team of hired workers made repair in your apartment according to the preliminary arrangement. Came to be timed, in order to avoid any claims, fasten transfer of money with the receipt.
Upon purchase sale of the apartment, sometimes specify the sum in the contract smaller, than real cost. Make secure, make the receipt with the indication of the actual sum of payment.
If you want to give to preservation to the stranger any property, registration of the receipt on safety of property
will be useful. You decided to lease the apartment which remained to you in inheritance or even the (in connection with long departure). And in the apartment there is more or less valuable property – household appliances, new furniture and other things expensive to your heart. Be not too lazy to observe formalities and to prepare the receipt on the acceptance fact on safety of a certain property.
Important nuances of registration of a rapiska
After some thoughts you made the right decision and intend to issue the receipt.
Originally be defined, whether you will certify the receipt at the notary or not
– under the law it is not obligatory.
The notarized document has bigger weight as the legal document in court, than the receipt handwritten – in case of granting in court of the last can be appointed graphological examination. Besides the notary is responsible for correctness of drawing up the receipt. But, of course, it is necessary to pay for these services.
The borrower has to handwrite
all receipt, but not print on the computer and it is simple to put the signature. If the borrower refuses to fulfill the obligations, according to only one signature it will be difficult to identify his personality (as it was already mentioned above, graphological examination can be necessary for court).
If you decided to save money and time and make out the receipt independently, not superfluous will be to invite two not interested witnesses
. Them at the transaction it is obligatory to reflect the fact of presence in the receipt with the indication of biographical particulars (a full name, the place of residence) and signatures. At an appeal to the court about collection of debt witnesses can give evidences and confirm the transaction fact.
In case of transfer of money accurately specify the purposes
on which they are given. For what it is necessary? For example: money is transferred as payment for any goods or services (apartment renovation). It becomes in order that the creditor did not demand then from the borrower money as those that were lent. Or on the contrary money is lent, and in the receipt it is not specified, so the recipient can tell that money to him presented or repaid an old debt.
Contents of the receipt – the general recommendations
In spite of the fact that the receipt is written in any form – uniform norms of drawing up do not exist, but it surely has to contain the following requisites:
- Full data on the persons receiving and giving money or property namely: passport data (a surname, a name, a middle name, the registration address, number and a series of the passport when also by whom it is given out), specify the actual residential address of each of the parties here.
- The sum of money intended for receiving transfer is specified by figures and a copy-book to exclude possibility of correction of figures in the future. Here it is necessary to specify also currency of a loan.
- Date of drawing up the document is fixed. It can be put both at the beginning, and at the end of the receipt.
- The fact of transfer of money or property is fastened with autographic signatures of the responsible parties. And the signature is appended, and a row writes completely a surname and initials.
Additional requirements for the debenture
If charge of percent, for use of the money received on credit is provided, the size of an interest rate and total amount of percent in a money equivalent which is subject for payment upon termination of loan term is written.
The term for which money, and date upon termination of which the borrower undertakes to repay a debt undertakes is surely specified.
In case of not return of money precisely in time the creditor can apply to the borrower the sanction in the form of a penalty fee for untimely return of money. The penalty fee is charged in the form of percent for the total amount of a loan for each day of delay for the entire period of a delay, the interest rate on a penalty fee is coordinated between interested parties.
The creditor at delivery of a loan can sometimes ask the borrower about the guarantee. It means in order that the transaction took place, the borrower needs presence of the guarantor, that is person who in case of nonpayment by the borrower of a debt will extinguish it instead of it. In the conclusion, be not too lazy, write the receipt in duplicate – on one for each of the parties.
InfoAdvisor.net recommends not to hope on "perhaps", and to make out the commodity-money relations with other people in writing and wishes 100% of implementation of all obligations under receipts.