As long as the repayment agreement is based on the true intention of the parties and specifies the repayment amount, time and method, it will be legally binding. The writing format of the loan agreement is as follows:

1. Write the header, which is the title, and write "Loan Agreement" in the center;

2. Write the borrower and the loan on the loan agreement The person's full legal name. The name cannot be replaced by lowercase letters or nicknames, otherwise this IOU will not be protected by law;

3. When writing a loan agreement, the borrower can be required to include an ID number after the legal name. Avoid mistakes;

4. Write the loan amount in detail, and write the numbers in both uppercase and lowercase letters;

5. State the loan period, loan interest rate and due repayment period Amount, specify the time to the year, month and day;

6. After the loan agreement is written, be sure to watch the borrower sign and seal it personally at the bottom of the loan agreement. You cannot have others sign on your behalf.

Creditors and debtors can complete repayment through friendly negotiation and sign a repayment agreement, realizing the claims and debts of both parties and reducing the risk of the debtor not repaying the debt. The specific content template is as follows:

Creditor: ＿＿＿＿＿＿＿＿＿＿＿＿＿＿

Address: ＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿ Telephone: ______________ ＿＿＿＿＿＿＿＿

Address: ____________________________ ＿＿＿＿＿＿＿

After friendly negotiation, the two parties have agreed on relevant matters as follows:

Article 1 Repayment Contents

1. Repayment Amount : ＿＿＿＿＿＿＿＿＿RMB.

2. Repayment period: From the date of signing this agreement, the debtor must repay before the date of year, month and year.

3. Interest rate: According to the interest rate of ＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿, specifically: ＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿.

第二条担保

债务人将＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿作为还款的抵押。 Mortgage period: from the effective date of this agreement until the debtor repays all the creditor's payments and interest rates related to this contract.

Article 3 Obligations of both parties

(1) Obligations of the creditor:

1. Keep the documents for the mortgaged property properly and shall not lose or damaged.

2. After the creditor repays all the amounts stipulated in this agreement when due, the complete documents of the mortgage will be handed over to the creditor.

(2) Obligations of the debtor:

1. The debt owed to the creditor and the interest rate shall be actively repaid according to the time specified in this agreement.

2. The debtor shall deliver the ownership certificate of the mortgaged property from the date of signing the agreement.

Article 4 Liability for breach of contract

If the debtor fails to pay the debt and interest to the creditor as stipulated in the contract due to its own responsibility, the debtor shall be responsible for liability for breach of contract.

Article 5 This contract shall take effect upon witnessing.

This contract is made in six copies. Party A and Party B each hold two copies, and the witness unit retains two copies.

Creditor: (Signature)

Representative: ＿＿＿＿＿＿＿＿＿＿＿＿＿＿＿

Debtor: (Signature)

Representative: ＿＿＿＿＿＿＿＿＿＿ ＿＿＿＿＿＿

Signature date: _________month_____year

The repayment agreement is legally binding. The repayment agreement is a contract, and it is legally effective if it meets the requirements for a contract to be effective:

1. The parties must have corresponding civil capacity.

2. The content of the contract is the true expression of intention of the parties entering into the contract.

3. The content does not violate the law or social interests.

The repayment agreement is a contract, and the legal requirements for the repayment agreement to be effective require legal requirements. First of all, both parties must agree, which is the prerequisite for the establishment of the contract; secondly, the content of the agreement does not violate the prohibitive provisions of laws and regulations, which is the prerequisite for the validity of the contract; if the contracting parties to the agreement have the corresponding capacity for civil conduct, the civil rights carried out The subject matter to which the obligation is directed belongs to him, etc. Finally, the conditions for the agreement to take effect are met. If there are no conditions for the agreement to take effect, it will take effect immediately after both parties sign or seal it. If the conditions for the agreement to take effect are agreed upon, both parties not only do not need to sign or seal the agreement, but also need to meet the conditions for the agreement to take effect. When it comes to the repayment agreement, first of all, both parties should have a creditor-debt relationship. Secondly, the content of the repayment agreement should not violate the prohibitive provisions of the law. Finally, both parties should sign or seal in a standardized manner.