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<h1 class="title">怎樣簽訂一個(gè)妥當(dāng)?shù)慕杩詈贤?/h1> <div id="5vajrimf" class="info"> <span id="5vajrimf" class="time">時(shí)間：2020-10-08 16:48:48 </span> <span id="5vajrimf" class="sm_after_time"></span> <span id="5vajrimf" class="source"><a target="_blank" href="http://m.1-jiu.com/hetongfa/jiekuan/" title="借款合同">借款合同</a></span> <span id="5vajrimf" class="source"><a target="_blank" href="http://m.1-jiu.com/usr/login.html" title="我要投稿">我要投稿</a></span> </div> <script type="text/javascript">s("content_top");</script> <div id="5vajrimf" class="content"> <p>怎樣簽訂一個(gè)妥當(dāng)?shù)慕杩詈贤?/p> <p> <strong>　　借款時(shí)寫(xiě)“借條”、不寫(xiě)“欠條”。</strong></p><p style="text-align: center;"><img loading="lazy" src="https://p.9136.com/00/l/bde8bfeebacfcdac3_5f06f68c16912.jpg" alt="怎樣簽訂一個(gè)妥當(dāng)?shù)慕杩詈贤?/></p> <p> 　　借條是借款人出具的借款書(shū)面憑證，表明雙方有借款關(guān)系;而欠條通常要基于雙方曾有經(jīng)濟(jì)往來(lái)，是一種結(jié)算憑證。</p> <p> <strong>　　借款可將雙方約定利息寫(xiě)進(jìn)借條。</strong></p> <p> 　　民間借貸可以約定利息，凡雙方約定的利息不超過(guò)年利率24%，出借人有權(quán)請(qǐng)求借款人按照約定的利率支付利息，但如果借貸雙方約定的利率超過(guò)年利率36%，則超過(guò)年利率36%部分的利息應(yīng)當(dāng)被認(rèn)定無(wú)效，借款人有權(quán)請(qǐng)求出借人返還已支付的超過(guò)年利率36%部分的利息;口頭約定、沒(méi)有約定或約定不明，一旦發(fā)生糾紛，除借款人承認(rèn)的，一般都視為不支付利息，出借人的'利息訴請(qǐng)也往往不會(huì)被法院支持。</p> <p> 　　借條一般最好約定借期和利息的起算點(diǎn)，欠條可以約定還款期和逾期未還的罰責(zé)，以避免欠款一方長(zhǎng)久不還欠款而造成權(quán)利人再想主張權(quán)利時(shí)超過(guò)訴訟時(shí)效。</p> <p> 　　比如甲乙是好朋友，甲借給乙5萬(wàn)元錢(qián)，乙打了張欠條給甲，但沒(méi)約定還款日期，兩年后，沒(méi)有訴訟時(shí)效中斷、中止、延長(zhǎng)的情形，甲向法院起訴要求乙還款，甲很有可能因?yàn)槌^(guò)訴訟時(shí)效而無(wú)法勝訴。因?yàn)榍窏l從欠款人出具起就開(kāi)始計(jì)算訴訟時(shí)效，一般訴訟時(shí)效期間是兩年，甲兩年后才去主張權(quán)利，自然就喪失了訴訟時(shí)效。如果當(dāng)初乙給甲打的是借條，沒(méi)有約定借期，根據(jù)法律規(guī)定，甲可以隨時(shí)要求乙還款，也可以催告乙在合理期限內(nèi)還款，如果乙在催告期沒(méi)有還款，此時(shí)才開(kāi)始計(jì)算兩年訴訟時(shí)效期間，那么自此在兩年內(nèi)起訴，法院都會(huì)支持甲的訴請(qǐng)。所以一字之差，意義不同。4款人要寫(xiě)準(zhǔn)確姓名并避免同音不同字。</p> <p> 　　即使是親戚、朋友之間的借款，也寫(xiě)明與當(dāng)事人身份證件上相同的姓名，避免寫(xiě)成“王兄”、“李姐”、“阿梅”等等，最好在落款處加上借款人或欠款人的身份證號(hào)碼，以便發(fā)生糾紛起訴時(shí)，根據(jù)法律要求要有明確的當(dāng)事人才可以被法院受理。如果是公司借款，還應(yīng)當(dāng)關(guān)注公司是否在工商部門(mén)注銷(xiāo)、公司的準(zhǔn)確名稱(chēng)、地址、法定代表人名稱(chēng)。</p> <p> <strong>　　借條內(nèi)容要表述清楚明確、避免產(chǎn)生歧義和誤解。</strong></p> <p> 　　如甲向乙借款6萬(wàn)元，后甲還了乙2萬(wàn)元，甲重新給乙寫(xiě)了借條一份：“甲借乙6萬(wàn)元，現(xiàn)還欠款2萬(wàn)元”，這里的“還”字可以理解為“歸還(huan)”，也可以理解為“還(hai)差欠款”，如果產(chǎn)生歧義，對(duì)出借人不利。</p> <p> 　　借條或欠條最好都一式兩份，雙方各執(zhí)一份，避免有一方在條據(jù)上做手腳。</p> <script>s("content_relate");</script><p>【怎樣簽訂一個(gè)妥當(dāng)?shù)慕杩詈贤肯嚓P(guān)文章：</p><p><a target="_blank" href="http://m.1-jiu.com/hetongfanben/jiekuan/1578760.html" title="如何簽訂借款合同范本">如何簽訂借款合同范本</a><span>10-31</span></p><p><a target="_blank" href="http://m.1-jiu.com/hetongfanben/jiekuan/1576473.html" title="公司與個(gè)人簽訂的借款合同范本">公司與個(gè)人簽訂的借款合同范本</a><span>10-25</span></p><p><a target="_blank" href="http://m.1-jiu.com/hetongfa/jiekuan/737801.html" 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