2. After determining the amount, enter the password to complete the transfer. At this time, when you enter the transfer interface again, you will see the transfer notes under the amount. If you do this, you can make yourself and others aware of your lending behavior.
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When borrowing money, there is usually a loan contract, which should include the loan amount, purpose, term, interest, repayment method and whether there is guarantee or not. If a formal loan contract is signed, the borrower should be required to receive a receipt after the payment is completed to prove that the borrower has received the loan. Otherwise, if there is only a loan contract, the money is paid in cash, and the borrower denies receiving the money afterwards, and the private loan contract is a practice contract, the contract will take effect after the lender actually lends money. If there is a dispute, it is difficult to get the court's support only by the loan contract without a receipt.
If a formal loan contract is not signed, the borrower should at least write a comprehensive "IOU", which should include the loan amount, purpose, interest calculation method, repayment period, default liability for repayment on schedule, etc. Remember, the borrower had better write all the IOUs by hand. If printed copies are used, at least the borrower should sign in person, preferably in clear block letters.
When borrowing money, you must remember to keep a copy of the borrower's ID card and ask the borrower to sign it, so as to prevent the borrower from being unable to obtain identity information when he needs to sue the court when he does not repay the loan.
note:
1. If the borrower requests to transfer the money to someone else's bank account, it needs to be confirmed in the loan contract or loan note, or the borrower is required to confirm and designate to transfer the loan to someone else's account.
2. If the borrower is married and the loan amount is large, the borrower's husband and wife should be required to sign together, otherwise the court may not regard it as a joint debt of husband and wife.
3. Keep a copy of the borrower's ID card.
IOUs need to have the reasons for borrowing, the amount of borrowing, the names and genders of both borrowers, the date of borrowing, the date of repayment, the ID numbers of both borrowers and other factors. Because the transfer has the loan amount and date, and the other party needs real-name authentication, the loan bill needs to indicate the borrower's name and loan period. Wechat transfer loan notes can't just write two words: borrowing or borrowing money, otherwise the borrower is unclear and the borrower may become a lender. The repayment period needs to be specified in the loan bill, otherwise the other party can delay the loan indefinitely, which is not conducive to the lender.
If the loan amount is large, it is best to ask the other party to issue a paper IOU or loan contract. A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of the loan contract include the loan type, currency, purpose, amount, interest rate, term and repayment method.
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