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在农村,不管是问别人借钱还是把钱借给别人都是农村人心里的大事情,但是农村人遇到这种事情却很纠结,写借条的话脸上挂不住,不写借条又怕借钱的人到时候还不了钱,人财两空。但是建议各位农村朋友们,亲兄弟,明算账才是避免之后的要钱成仇人的尴尬境地。
那么借条如何写才受法律保护呢?虽然大家都会写,但是这几个点如果不写清楚,就会导致借出去的钱要不回来了。
要点一:借条数额一定写大写
这个很多人容易忽略,为什么强调一定要有大写呢?因为小写数字容易遭到篡改,前面加个1或者后面加个0很容易,如上图,本来借款只有1000元,但是被人加了个零,导致借款数额成了一万元,这就导致借款数额翻了十倍。
要点二:用“借到”不用“借”
“借到”和“借”有什么区别?“借到”更表示借款的人已经收到钱了,这主要是基于农村人的借款习惯,一般喜欢现金交付,就算大额的也不通过银行转账的方式借出去,这就导致借款的人耍赖,说我虽然打了借条,但是你根本没把钱交给我。而用“借”的话,例如:“今借**三万元”,光凭一个借条很难说借款的人拿到钱了。而用“借到”则就多了已经收到钱的这个意思。例如:“今借到**三万元”,不光能知道借钱数额,而且能反映对方已经收到钱的意思。
要点三:利息一定书面约定
很多农民碍于面子,可能双方口头约定的有利息,但是在对方打借条的时候,碍于面子,没要求对方写上利息。如果借条上没写利息,想要利息几乎是不可能的。法律特别规定,民间借贷的,借条上没写利息,就视为没有利息。这样白白借钱出去,一毛钱利息都收不回来,算算还是很亏的。
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