The most correct approach to lending money – the conclusion of the loan agreement indicating the amount, term, interest, passport data of the creditor and the borrower. But in this role it may act as a receipt, because it meets the requirements of observance of the simple written form.
Of course, guarantees one hundred percent refund of debt or contract, no receipt can not give, but you will have a real opportunity to recover their money through the courts. So be sure to take from the borrower a written commitment of loan repayment.
If a loan ask friends or neighbors, usually no one hesitates to demand a receipt, but when it comes to close friends and relatives, this is why it is considered indecent. In fact, money these scruples are misplaced: life circumstances are different, it may happen that a friend or relative subsequently refuses to repay the debt, and you will have nothing to prove the validity of their claims in court.
Special requirements for the receipt no, but make sure to contain all essential terms: the loan amount in figures and words, the date of transfer of money, the repayment period, interest, surnames, names, patronymics of the borrower and the lender, passport data, registration address, signature of the debtor in earning money with its full interpretation.
The receipt is an important document proving the transfer of money, so take it seriously. Should not be used for these purposes, the first piece of newspaper or the reverse side of the flyers – just a blank sheet of paper.
Better if the debtor will write a receipt by hand: him so then it will be harder to give up authorship. Check its contents, please note that passport data of the original document.
Can be involved in the preparation of receipts of witnesses who with their signatures on it will record the fact of transfer of money. But the most optimal way – the transaction in the presence of the notary, certified by him, the receipt will not leave the borrower possibilities to evade the repayment of debt, referring to temporary memory loss, understanding, signing a document under pressure and threats, in a condition of alcoholic intoxication, etc. So, borrowing a large amount, consult the services of a notary.