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  3. 學習啦>實用范文>條據書信>借條范本>《借條怎么寫才有法律效力》正文

    借條怎么寫才有法律效力

    時間:2017-08-04 10:29:23本文內容及圖片來源于讀者投稿,如有侵權請聯系xuexila888@qq.com 若木 我要投稿

      借款中寫好借條,需要注意一些法律技巧。如果隨便寫借條,沒有規范的技巧,有可能你的借條就沒有法律效力哦。沒有法律效力的欠條在引發糾紛的時候就會有不利的影響了。那么個人借條怎么寫具有法律效力呢?有法律效力的借條范本是怎樣的?下面就是學習啦小編給大家整理的有法律效力的借條范本和具有法律效力的借條需要的內容,希望對你有用!

    借條

      更多規范的借條范本戳【↓↓↓通道入口↓↓↓】

      具有法律效力借條范

      最具法律效力的借條怎么寫

      具有法律效力的借條模板

      正規民間有法律效力借條格式范

      條的陷阱、注意事項及

      具有法律效力的借條需要具備的內容

      1、應寫清楚借款人和放款人的法定全名;

      2、應寫清楚借款金額,包括大寫和小寫的金額;

      3、應寫清楚借款時間期限,包括借款的起止年月日和明確的借款期限;

      4、應寫清楚還款的具體年月日;

      5、應寫清楚借款的利息,應有明確的年利率或月利率,最終應支付的借款利息總額(包括大寫和小寫金額)等約定;

      6、應寫清楚借款本息償還的年月日時間及付款方式;

      7、應有借款本人親自簽章、手印或親筆書寫的簽字。 

      借條怎么寫

       借條的格式并沒有統一的規定,但是借條需要具有法律效力則內容必須要符合要求,一個借條要想要想讓它具有法律效力,應該按照下面的格式來寫:

      規范的借條書寫格式及內容舉例如下:

      借 條

      今有×××向×××借到人民幣大寫_____萬_____千_____佰_____拾_____元整。小寫_____元。上述借款約定于201_____ 年_____月_____日前還清,逾期不還,借款人應承擔違約金_____。雙方約定本糾紛由_____人民法院管轄。

      借款人:××× 身份證號_______________

      住址:__________ 電話:__________

      借款日期:20_____年_____月_____日

    借條

      借條范文1

      茲因________近來手頭不便,而向________借金額,共得款項人民幣______元整。 預計在____年____月____日前如期歸還。 期間每個月利息人民幣______元整,需於每個月初支付不得有誤。

      以上唯恐口說無憑,特立此借條為證。

      立據出借人:_______身分證字號:___________ l聯系地址:___________電話:________ 立據借款人:_______身分證字號:___________ 聯系地址:___________電話:________ 見證人:_______身分證字號:________ 聯系地址:__________電話:__________ 保證人:_______ 身分證字號:________ 聯系地址:__________電話:_________ xxxx年xx月xx日

      借條范文2

      現因借款人_______因經營__________(寫借款用途)需向貸款人_______借款人民幣_____元整(小寫_________元整)。借款種類為現金,借款日期為_____年____月____日,還款日期為______年____月____日前, 按時一次性償還清______借款加利息。借款利息為: 0.5%(年利率),特立此據為憑。

      借款人:______ (親筆簽名并按手印)

      貸款人:______ (親筆簽名并按手印)

      見證人:______ (親筆簽名并按手印)

      年 月 日

      借條范文3

      借 條

      今 借給 人民幣(大寫數字)××圓整,即¥××元。借款期限自×××× 年×月×日起至××××年×月×日止,共×個月,利率為每月 ×%,利息共計人民幣(大寫數字)××圓整,即¥××元,全部本息于×××× 年×月×日一次性償還。如不能按期足額歸還借款,借款人應向出借人支付違約金人民幣(大寫數字)×× 圓整,即¥×× 元。

      擔保人確認:本人同意為借款人的上述債務向出借人承擔連帶責任保證,保證期限為借條出具之日起到借款償還期限屆滿后兩年時止,擔保范圍及于所有借款本息、違約金、賠償金、出借人實現債權的費用(訴訟費、律師代理費、差旅費、公證費及其他實際支出的費用)。本確認條款的效力獨立于借條,借條無效不影響本確認條款的法律效力。

      注:1、本借條同時為借款人收訖借款的法律憑證;2、借款人與擔保人的身份證復印件為本借條的附件,與本借條具同等法律效力。

      借款人: 身份證號碼:

      擔保人: 身份證號碼:

      借條出具時間: 年 月 日

      ( 說明:1、為了保障使用者的權益,建議借條使用者在根據自身需要刪減借條內容時最好在法律專業人士的指導下進行;

      2、借條應由借款人親自填寫并簽字確認。如有擔保人,擔保人也應簽字確認;

      3、出借方應注意訴訟時效起算的問題,由于借條約定還款期限,2年的訴訟時效從還款期限屆滿起算;

      4、根據司法解釋的規定,民間借貸的利率最高不能超過同期銀行貸款利率的4倍,超出部分不受法律保護;

      5、公民間的借款對支付利息沒有約定的,視為不支付利息;

      6、依據我國《合同法》的相關規定,借款的利息不得預先從本金中。利息預先從本金中扣除的,按實際借款數額返還借款并計算利息。

      7、借款人、擔保人的身份證復印件應由本人簽字確認。)

      借條范文4

      借 條

      今(出借人) 借給(借款人) 人民幣(大寫) 整,即¥ 元。借款期限自200 年 月 日起至200 年 月 日止,共 個月,利率為每月 ,利息共計人民幣 整,即¥ 元,全部本息于200 年 月 日一次性償還。

      如不能按期足額歸還借款,借款人應向出借人支付違約金人民幣 整,即¥ 元。

      擔保人確認:本人同意為借款人的上述債務向出借人承擔連帶責任保證。 借款人: 身份證號碼:

      擔保人: 身份證號碼:

      借條出具時間: 年 月 日

      借條范文5

      借 條

      今借(出借人) 【注1】人民幣 元整(大寫:人民幣 整)【注2】,所有現金已經收到【注3】。約定于 年 月 日歸還【注4】。年利率為 %【注5】。全部本息到期一次性償還【注6】,本息共計人民幣 元整。

      此據。

      借款人: 【注7】

      地址:XX市XX路XX小區X棟XX號

      電話:13XXXXXXXXX【注8】

      XX年XX月XX日

      注釋:

      【注1】寫身份證上的本名,不能寫小名、綽號等。實踐中常見到對方名字都弄不清楚就敢借錢的人,打官司時令律師哭笑不得。

      【注2】金額當然要寫清楚,同時寫大小寫金額的切記核對數字。

      【注3】務必寫明用什么方式支付,以及是否已經支付。如果使用匯款方式支付的,應寫明匯出行、戶名、賬號及匯入行、戶名、賬號。

      【注4】可以不寫歸還日期。事實上,不寫反而對債權人更有利。

      【注5】如果不約定利息,視為無息。當然,高利貸是得不到法律支持的,但本金部分仍然應當保護。

      【注6】寫清楚償還方式雖然在法律上意義不大,但實踐中可以減少糾紛。

      【注7】簽名容易抵賴,按上手印才穩妥,如果能附上身份證復印件更好。

      【注8】有了地址和電話討債就容易多了,萬一將來訴訟也必須提供這些信息。

      借條范文6

      借 條

      本人(借款人)_________今借到(出借人)________人民幣(大寫)_____________元整,小寫_________元。

      借款期限自_______年_____月_____日起至______年_____月_____日,共____個月,利率為每月_____%,全部本息于______年_____月_____日一次性還清。

      借款人提前還款的,需征得出借人同意,否則視為無效。

      違約責任:借款人逾期未還款,需支付借款總額百分之十的違約金;同時出借人有權私自出售與借款人有關的任意資產或股份用于追回借款,需通過上訴法院解決的,借款人承擔額外產生的一切費用。

      借款人(簽字) 身份證號碼:

      擔保人(簽字) 身份證號碼:


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