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借钱的越来越多,很多人欠钱不还,关键是老赖的不要脸本事也越来越强,话说现在做生意还有没有信任了?借了钱不还还装大爷,你如果不想像个孙子似的去要钱,就得借款之前让人把借条写好!
凡是借条、有三个关键点,请仔细看
1.分清楚“欠条”和“借条”的不同
一字之差、差别巨大,一般建议写借条不是欠条,因为,如果没写指定最后还款时间,借条你就可以随时要求还钱,但是最久不能大于20年。另外欠条有的有效诉讼时效只有两年。还有借条在法律上作为证据的说服力比欠条大。一旦不得用法律执行,借条只要能证明有借款事实就行,如果是欠条就麻烦点,一旦对方辩解,你还需要拿出更多证据来证实借过款。
2、能写“借到”就不要写“借”
区别很大?就少一个到字,实际上差别非常非常大,建议要用借到两个字,不会有歧义,代表是完整的借钱行为,只有一个借字,就会有很多其他意思,一旦对方最后耍赖说没到账,法院还需要你提供更多的证据。
3、还是个多音多义字?
“今huan欠款”还是“今hai欠款”?尽量不要有歧义、改成已还欠款、或未还欠款!
中国文化博大进深,这种同音字,多音字非常多、一旦写在借条上就不灵光了,为了保护自己,这里要特别小心,最后上面的技巧都理解了吧?另外在借条上还有其他的细节,包括还款日期,每月利息等。
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