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现在这个社会借贷关系很常见,但是老赖依然只增不少,甚至耍赖的手段也是越来越高超,更有甚者欠钱的反倒像大爷。“人与人之间最基本的信任呢?”为了防止自己借出去的钱打水漂,借款前写好借条真的很有必要!
但是“借条”有三个关键点,你一定要注意:
“欠条”、“借条”大不同
“借条”和“欠条”虽然只有一字之差,但是区别却很大,在借钱时给别人时,尽可能要对方写借条而不是欠条。
在没有写指定还款日期时,一般来说“借条”是可以随时还钱的,但是不能超过20年。而“欠条”的诉讼期只有2年。
其次,“借条”的法律效力是大于“欠条”的。一旦发生纠纷,“借条”只需阐明借款的事实即可,而“欠条”就不好解释了,如果对方耍赖,还得进一步举证欠条形成的事实。
“借”、“借到”意思也不同
“借”、“借到”虽然就多了一个字,但实际差别也是很大,这里建议用“借到”,表明钱已经到借款人手里了。而“借”没有表明钱已经到手,一旦借款人耍赖,从鸡蛋里挑骨头,法庭认为这种可能也是存在的。
“还款”还是“还欠款”呢?
因为“还”是多音字,“今huan欠款”和“今hai欠款”意思也不同,所以在写借条时,最好写“已归还”或“剩余欠款”。
最后,联金所小编在这里提醒大家:借条上最好写明详细情况,包括最后还款日,约定利息等等。
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