Example of a cash receipt. How to correctly draw up a receipt for a loan of funds

Very often people want to confirm their relationship with each other with a receipt. A handwritten receipt is the most convenient and fastest option when you do not need to use the services of a notary. Nevertheless, citizens often wonder whether such a document has legal force.

A receipt is a document written in any form that confirms that one party provides any services or transfers funds to another. The legislation does not provide for a clearly fixed form that such a document must comply with.

This document, written by hand, is a more simplified form of the agreement, which does not require spending time on going to a notary and money on paying for his services. The place for drawing up such a receipt is a place convenient for both parties, which does not provide for any mandatory criteria. This concept exists in Russian legislation, so if the debtor refuses to fulfill his obligations, his rights can be restored through the court.

Cases when you can draw up a receipt by hand

Despite the convenience of drawing up and a number of advantages of a handwritten receipt, it cannot be used in every situation. Before drawing up such a document, it is important to know whether it will have legal force in this case. Since there is a list of agreements, for example, an agreement for the purchase and sale of real estate, an agreement for the donation of real estate and others, which are valid only after being certified by a notary.

You can limit yourself to a handwritten receipt if the amount borrowed does not exceed ten minimum wages. It is also better to record amounts less than the above in this document so that unpleasant situations do not arise. Large sums must be certified by a notary office.

When providing different types of services, such a receipt also continues to be valid.

It will also be relevant when renting/renting an apartment. In this case, two parties can protect themselves in this way: one - from dishonest landlords, the other - to exclude the option of terminating the transaction in a short time, which was not initially counted on. In such a situation, all financial relations must be agreed upon and recorded in the contract. It is necessary to indicate the amount of money transferred for the apartment and the period during which the tenants have the right to use the housing.

How to write a receipt correctly so that it is valid in court

Most handwritten receipts are financial in nature. For example, a domestic situation when a friend or relative borrowed a large sum of money for a certain period of time.

In order for just a piece of paper to turn into a document and be evidence, you need to know a few:

1. The receipt is written in the presence of both parties.
2. It should be drawn up in legible handwriting by the person who borrows money or uses any service, and not by the person who provides any benefit.
3. If a citizen refuses to fulfill his obligations, through a handwriting examination in court it is possible to identify the person who wrote this document.
4. Unaware citizens prefer to print out a receipt because they believe that a handwritten receipt does not have any obligations. This is a misconception; moreover, when going to court, difficulties may arise in the process of identifying the person who wrote this document.
5. The computer-printed form can be used for notarization.

When using a handwritten document, it will be more profitable if the debtor draws it up with his own hand.

When drawing up a document, you must follow the following instructions:

• A prerequisite when drawing up a receipt is to indicate the person’s full name. Otherwise, if a controversial situation arises, such a document will have no force in court.
• A mandatory criterion by which you can recognize which person wrote this receipt is the indication of the borrower’s passport information. Hoping that it is impossible to meet a person with the same name is imprudent. Therefore, the presence of passport data will be indisputable evidence when establishing identity in court.
• If the debtor turns out to be unscrupulous and you still have to look for ways to get him in touch, the receipt must indicate his place of residence, telephone number and other similar information.
• The receipt must detail all the circumstances surrounding the provision of the service. The purpose of its writing should be accessible and understandable. If we are talking about lending a sum of money, then it is necessary to indicate what amount was transferred - in numbers and in words.
• Record the fact of receiving money. Indicating the amount in words is a mandatory criterion that the court pays attention to.
• Indication of the currency in which the money was transferred. If these are not Russian rubles, then it would not be amiss to indicate the rate at which the money should be returned.
• Particular attention should be paid to dates. The full date of preparation of the document and the date of refund or provision of services must be indicated.
• The receipt must be written without crossing out or corrections, so that there are no multiple interpretations.
• You should pay attention to the recipient’s signature in the passport and the one he puts on the document. This will eliminate the slightest doubt of the court about the authenticity of the person.
• The last thing to pay attention to is the pen that will be used to write the document. There are types of ink that lose their brightness over time and smear the text - it is better not to use them. A regular ballpoint pen will do just fine.

If you use the above rules, then if you need to go to court, it will be much easier for the creditor to protect your rights.

What power does a handwritten receipt have?

So that there is no doubt that the receipt has legal force, you can familiarize yourself with Russia.

Is notarization necessary or not?
Russian legislation, namely the Civil Code (Article 163), states that receipts must be notarized if both parties to the agreement wish this or in cases provided for by law.

There are no clear requirements that the receipt must be certified. The legislation distinguishes certain types of transactions, for example, those related to real estate or if the subject of the agreement is a large sum of money, which must be carried out only in the presence of a notary.

Doubts about drawing up a receipt without a lawyer are not justified. The reliability of signing by a notary lies only in the fact that often people, having written by hand, believe that they may not fulfill their obligations. But this is only bad faith, and all rights can be protected in court in any case. The only disadvantage of handwritten receipts is the waste of time and money on examinations and court hearings.

If a promissory note confirms the transfer of money to the debtor in an insignificant amount, then the notary has the right not to certify such a document at all. Only if it is drawn up as an annex to the loan agreement.

Whether it is necessary to certify, everyone decides for himself, since a handwritten document is a full-fledged legal act. In court, it is evidence, like any other. The presence or absence of a notary's signature is not a basis for disputes. The law allows the use of this form without the involvement of witnesses and a notary when drawing up and signing an agreement.

1. When drawing up a receipt, you should clarify whether the subject of the agreement can not be certified by a notary office. Compliance with all the recommendations specified in this article guarantees that if the debtor does not repay the debt or provide services, then they can be demanded through the court. You can get free advice on how to correctly draw up an agreement of this type on the Internet, in the public domain.
2. As a creditor, you must keep the receipt until the debt is fully repaid. It should be remembered that it exists for three years. Therefore, if the debtor does not try, then there is no need to delay going to court. It can be quite difficult to restore your rights after the statute of limitations has expired.
3. We should not forget that even with a simple form of receipt it is possible to demand not only the principal amount of the debt, but also a fine from the debtor for late payment.
4. If the debtor violated his obligations or did not fulfill the terms of the agreement, then the creditor must write a letter to the debtor. In this letter, you need to demand from the debtor the entire amount of the debt and indicate the date of repayment - usually this is a thirty-day period. It is better to send this document by registered mail so that there is confirmation of receipt.
5. If the debtor ignored this message, then the next step would be to go to court, to a magistrate. It is necessary to write an application in which you need to request g, attach a receipt and a document confirming payment of the state fee.
6. The presence of both parties to the transaction in court is not mandatory. A court order can also be granted in the absence of the debtor. After a decision is made according to which he is obliged to pay the debt, the documents are handed over to the bailiffs. They, in turn, are required to make appropriate inquiries to find out the availability of real estate, information about earnings, information about bank accounts - everything that can be used to compensate for official obligations.

When giving money to even a very familiar person, any citizen is simply obliged to take care of official confirmation of the facts of the transfer of money and the occurrence of debt obligations. In ordinary civil relations, when the amount of debt is not particularly large, it is irrational to resort to any loan agreements, but it is worth thinking about drawing up an appropriate receipt.

Fortunately for many citizens, drawing up and correctly executing a promissory note is not as difficult as it might seem at first glance. We will talk about the design of this paper in more detail in the article below.

The promissory note has legal force

- This is a type of debt agreement, often concluded when one citizen borrows money from another. In this case, it does not matter at all what kind of relationship the subjects of debt relations have (relatives, friends, etc.). In any case, the receipt will have a legally significant nature and, if necessary, will be able to confirm the fact of borrowing money in court.

It is important to understand that a promissory note is not a document that should be drawn up “in a blunder.” The fact is that any type of debt agreement must be drawn up with strict adherence to the legislative subtleties regulating this issue.

In particular, the greatest attention is paid to the preparation of this kind of receipts in the Civil Code of the Russian Federation. More precisely, part 2 of Article 808 of the act clearly states that a promissory note is a full-fledged agreement in which citizens must indicate the conditions of the transfer and the procedure for their return.

In addition, it is advisable to draw up the receipt in a legally competent form, otherwise it will not be able to:

1. officially confirm the fact of transfer of funds under the debt obligation;
2. act as evidence of debt relations.

It is worth noting that the promissory note does not require mandatory notarization. However, the presence of witnesses when concluding this agreement should be reflected in the text, since such a measure will help avoid some difficulties in potential legal proceedings in debt proceedings.

Regarding the latter, it would not be amiss to point out that, according to the same Civil Code, the official confirmation of the transfer of money on debt will be a receipt or another type of debt agreement, and not the testimony of witnesses or video footage.

Considering this nuance in the civil sphere of legal relations, it is important to understand that it is necessary to lend money with documentary evidence of the transfer of funds and the conditions for their return. Otherwise, proving that a person owes you money and does not want to return it in court will be extremely problematic, and often completely impossible.

Procedure for drawing up the document

Every lawyer can tell you how to write a promissory note correctly.

In accordance with current legislation, the promissory note must contain the conditions for transferring funds into loans and the procedure for their repayment. The law does not speak about the more specific content of this agreement. Despite this, the practice of jurisprudence of the Russian Federation has formed a legally correct and competent format for the promissory note.

The document must include the following information:

• information about the borrower and lender (full name, passport details, place of residence, birth, etc.);
• the amount of money lent (indicated in both digital and written form);
• deadlines for the return of funds (the exact date by which all money must be returned; without specifying this point, the lender jeopardizes asserting its rights using this receipt in court);
• place and time of drawing up the document;
• signatures of the borrower and lender;
• if necessary, the procedure for repaying the loan, information about the spouses of the parties to the transaction, information about witnesses to the receipt.

It is important to note that during the compilation process you must:

• avoid any corrections or omissions in the receipt;
• draw up a document in more or less legible handwriting or in printed form;
• mark all the points in which the parties to the debt relationship are interested.

As a result, after drawing up and signing a promissory note, no one should have doubts about its authenticity, especially the court. Otherwise, this kind of document will not have significant legal force and adequately protect the rights of the parties to the debt relationship.

Sample

Using the example below, our resource will try to teach everyone how to correctly write a promissory note. A sample of this paper looks like this:

“I am a citizen of the Russian Federation, Ivan Ivanovich Ivanov, born in 1990, living in the city of Moscow (- 12345678, series and passport number - 0612 809765, issued by the Federal Migration Service for the city of Moscow on December 12, 2010), of sound mind and sober memory, I give this receipt to the citizen RF, Dmitry Dmitrievich Dmitriev, born in 1991, living in the city of Moscow (TIN - 8765421, series and passport number - 0514 789094, issued by the Federal Migration Service for the city of Moscow on June 15, 2011), in what he received from Dmitriev D.D. loaned an amount of 50,000 rubles (fifty thousand rubles) on 02/30/2017.
The loan is interest-free by mutual agreement of the parties. I, Ivanov I.I., undertake to return the full amount of money borrowed by me from Dmitriev D.D. by November 31, 2017. If the refund date is past due, I undertake to return twice as much for each subsequent month after the refund date.
Written in my own name on my behalf - Ivanov I.I., 02/30/2017, personal signature - IIII (transcript - Ivanov Ivan Ivanovich).
What was written above was confirmed by Dmitriev D.D. in person on 02/30/2017, personal signature – DDD (transcript – Dmitriy Dmitrievich Dmitriev).
Witnesses present at the writing of this receipt and confirming the fact of its competent preparation:
Petr Petrovich Grabovoy, living in Moscow at 45 Ilina Street, 02/30/2017, personal signature - GPP (transcribed - Petr Petrovich Grabovoy).
Natalya Viktorovna Proshkina, living in the city of Moscow on Sovetskaya street 34, 02/30/2017, personal signature - PNV (decoding - Natalya Viktorovna Proshkina).”

The example of a promissory note presented above is drawn up in a legally correct format, so when drawing up similar documents, using it would be a very reasonable decision.

What mistakes do citizens make when drawing up a debt receipt?

The amount borrowed must be written down in words

Summarizing today's material on the preparation of debt receipts in the Russian Federation, it would not be superfluous to consider the common mistakes of citizens when drawing up this type of document. In general, the list of these is as follows:

• Error No. 1. The promissory note contains only the full name of the person borrowing the money. Such a non-admission, at first glance, cannot threaten anything serious, but in practice, during court proceedings in “debt cases”, indicating only the full name of the borrower often provokes a mandatory check of the receipt for the fact that it was a specific citizen who borrowed money from the plaintiff. It's fine if the receipt is handwritten by the borrower and can be posted, but what if it is in printed format and there are no witnesses to its creation? In such a situation, the lender has only himself to blame and, by the way, it is unlikely that he will be able to return the money. Taking into account this nuance, always indicate in the receipt the passport details of the parties to the transaction for the transfer of funds on loan.
• Mistake No. 2. The promissory note does not indicate the amount of the debt. The situation is similar to that described above and here, again, only the lender will suffer, so it is he who must take care of reflecting in the document all the information about the exact amount of funds he lends to the borrower.
• Error No. 3. The promissory note does not contain the procedure for the return of funds and the date thereof. In such a situation, the court may be clouded by a number of additional difficulties that are unnecessary for the lender, so these points must be indicated in the document first.
• Mistake No. 4. There are corrections or blots on the promissory note. No special clarification is required here. As noted earlier, receipts containing erasures and corrections automatically lose part of their legal force, so in court they may be considered not so significant for confirming the fact of the debt and the need for its return from one citizen to another.
• Mistake No. 5. The amount of debt in the promissory note is indicated only in numbers. Here, problems may arise for the borrower, because in the absence of written duplication of the loan amount, an unscrupulous lender can easily add an extra zero to the digital amount of the debt, the absence of which would be difficult to prove even by examination.

On this, perhaps, we can finish talking about the procedure and principles of drawing up a promissory note. We hope the material presented above was useful to you. Good luck in organizing debt legal relations!

Expert lawyer's opinion:

Our article is devoted to the issues of correct drawing up of a promissory note. Readers are given various recommendations on how to avoid mistakes and comply with the mandatory conditions that must be specified in it. But the process of drawing up a receipt is preceded by a stage of negotiations on the substance of the problem. It is this stage that is crucial.

Since before drawing up any agreement, and a receipt is essentially a confirmation of the agreement, you must first agree. The key figure in such negotiations is the borrower. The content of the future promissory note depends on how he can do it after he receives the money. If the future creditor does not trust his partner, then there is almost no point in discussing further negotiations. There is a high probability of not getting your money back.

And if there is complete trust, then what is the receipt for? You can pose the question this way. And this may, at first glance, seem natural. But it is inappropriate to argue this way. The fact is that the very fact of having a receipt in the hands of the creditor disciplines the debtor and insures the creditor against troubles. You can always use it when collecting a debt through court.

There is another important point in this whole problem. We strongly discourage our readers from lending their last money, as well as investing their last money. This is the golden rule of investors.

Bill or promissory note: which is better, the video will tell you:

A receipt for receipt of money is a legal tool for monitoring the obligations of subjects of legal relations in situations where the fact of transfer of values ​​cannot be recorded by another document (purchase and sale, loan agreement, etc.). The paper is compiled in free form.

Previously, it was considered mandatory that the receipt contain the passport data of the subjects, but according to the decision of the St. Petersburg City Court dated November 14, 2011: “... a receipt without passport data is sufficient to determine the scope of the rights and obligations of the parties and the subject composition.”

How to write a receipt for receiving money?

A receipt is a document confirming the fact of transfer of funds between subjects of legal relations. Often, cash transactions arise as a result of the interaction of several organizations (delivery of goods) or an entrepreneur with employees (issuance of bonuses). In this case, the fact of transfer of the DS is recorded by documents of purchase, shipment, settlements with employees, etc.

Situations when it is customary to formalize the receipt of money using a receipt are divided into 4 groups:

• When agreeing to pay alimony: monthly contributions in favor of a spouse left with a minor child after a divorce, or close relatives who need care due to age, health conditions, or are in a difficult financial situation.
• When fixing debt obligations: a loan to an individual or legal entity with a description of the procedure for calculating interest on the loan in a simplified form (the amount of transferred funds coincides with the amount of debt) and on special conditions (agreement on).
• When transferring property as collateral or temporary use in exchange for money. For example, when selling securities by a stockbroker.
• In a peaceful resolution of the conflict. For example, when compensating for moral, material and physical harm in the pre-trial period.

The receipt acts as a guarantee of the return of money (remains with the lender until the debt is repaid), and also records the fact of fulfillment of obligations to the victim or the person receiving alimony. Regardless of the document type, it must contain the following fields:

• Date and place of receipt of funds (to within the city).
• Personal data of the subjects: full name, number and date of issue of an identity document (any document with a photograph will do, usually indicate the series and number of the passport), and registration address.
• The amount of transferred funds in numbers and words, indicating the abbreviated name or international currency code.
• Date of receipt and signature of the recipient of the money.

Reference: The practice has become popular recently. The objects of financing are private farms, promising business projects and people suffering from serious illnesses. To exclude inappropriate spending of funds, a receipt is issued indicating the responsibilities of the recipient of the DS.

When receiving money in exchange for collateral, the receipt indicates a list of transferred material assets (a receipt for the temporary transfer of goods and materials without a cash collateral is similarly drawn up), and when drawing up a settlement agreement and paying alimony, the reason for receiving the DS must be recorded and a clause of waiver of financial claims in relation to payer.

Receipt for receipt of money - sample

A receipt for receipt of money is drawn up only in writing: according to current legislation, the use of digital signatures when issuing a receipt in printed form is unacceptable. The document can be drawn up freely or according to the form. Transferring a receipt using EDM (electronic document management module) is also unacceptable. Example of a receipt:

City of Krasnodar 02/03/2018

I, Ivan Ivanovich Ivanov, passport No. 03 15 012345 dated November 4, 2011, registered at Krasnodar, Svobodnaya Street, building 1, received from citizen Sergei Sergeevich Stepanov, passport No. 03 09 987654 dated August 3, 2009, residing at Moscow, Lomonosova street, building 11, funds to pay child support in the amount of 1,100 rubles (one thousand one hundred rubles).

I have no financial claims against Sergei Sergeevich Stepanov.

02/03/2018 (Signature)

Do I need to have a receipt for receiving money certified by a notary?

According to the law, the original receipt containing the valid data of the subjects, including the signature, and a notarized copy have legal force. Providing the original in court proceedings is necessary if several notarized copies with different contents were presented.

Advice: if you are not sure of the debtor’s reliability, notarization of the receipt will help avoid disputes about the amount of the debt and eliminate the falsification of the document.

Although certification of the original receipt is not mandatory, it is recommended to record with a notary the fact of transfer of a large sum (from 500,000 rubles) or pledge of particularly valuable property (copyright and rare items, the identification of which requires an examination, real estate and securities).

Important: filing a claim (including for the collection of alimony or the return of a debt on a receipt) is subject to a fee. and hiring a lawyer will not be difficult.

Let's sum it up

The receipt confirms the fact of transfer of money between entities and is kept by the payer, acting as a guarantee of the return of the DS (when lending or investing) or accounting for the payment (when compensating for harm and paying alimony). The required fields of the document are: date and place of preparation, personal data of the parties, amount of money received and signature of the recipient. Notarization of the receipt is not necessary, but is recommended in case of transfer of a large sum of money, when pledging valuable property and issuing a loan to a known unreliable debtor.

When challenging the fact of transfer of money, an original receipt may be required if two notarized copies are found that differ in content. Filing a claim for debt collection requires payment of a state fee, the amount of which is established by the Government.

A receipt is a confirmation of receipt of money, documents, valuables and other items by the person who wrote it. If disputes arise, such a document may be considered in court. The receipt is drawn up in free form, but there are certain requirements for the content and format of the text.

Particular attention is paid to writing the promissory note. It happens that people lend large sums of money to someone for a while, and the debtor subsequently refuses or “forgets” to repay the debt. Or a transaction is made for the purchase and sale of valuable property without financial documents (checks, receipts, receipts). To protect yourself as much as possible from losing money, be sure to draw up a receipt, even if you are dealing with a close friend or relative. The receipt is made by the one who receives something. It is advisable to write by hand in case you have to identify the handwriting when resolving a dispute. Please include the following information on your receipt:

• document name – “Receipt”;
• date and place of document preparation;
• Full name, date of birth, full passport details, registration address and actual address of the person who receives and who gives the money;
• the amount of money - first in numbers, then in words;
• date of repayment if the loan is fixed;
• the most detailed description of the goods, if the purchase and sale is recorded;
• the text must clearly indicate that the money was transferred at the time the receipt was drawn up;
• put the signatures of both parties as they appear in the passport;
• if the process of transferring money took place in the presence of witnesses, include their full names, passport details, addresses, and signatures in the text.

You can download sample receipts:

It is not necessary to describe the purpose of the loan; moreover, in some cases it may be unprofitable. For example, if you note that the money was transferred for commercial purposes, while the business did not justify itself, then with such wording the debtor will have legal grounds not to repay the debt. A receipt can confirm the receipt of valuable items, documents, gifts and other things, if this is a necessary condition for any agreements or transactions. The greater the significance of the item received, the more information about the participants and the item being transferred should be included in the receipt. With the help of a receipt, you can record your intention to perform some action or provide a service. In addition to the data, in paragraph 3 indicate the exact date of execution, and if this is provided for in the agreement, the penalty for late payment - in numbers and in words. The person to whom the service is provided will have to record its receipt in full - the corresponding text is written on the receipt sheet, under the main text.

Be sure to check the completed document for errors and typos. Particular attention should be paid to passport data (including the validity of the passport at the time of signing the receipt), amounts and dates.

A receipt certified by a notary is of great value if the matter comes to trial in court.

A receipt with erasures or corrections may be considered invalid. If a mistake was made during its preparation, the document will have to be rewritten.

They ask you to borrow money. What to do so that you don’t have to quarrel with this person later because he can’t or doesn’t want to return your money, especially if he is your friend or good acquaintance? The best way to insure yourself in this case is receipt for receipt of money on credit.

It is customary to write receipts when lending money so that various misunderstandings do not arise in the future.

A receipt may also be issued when you pay for goods or services, or when you transfer property to someone else for safekeeping. In most cases it is used IOU, namely a receipt for the transfer of money in debt.

In this article we will look at how a receipt for receiving money should be drawn up, and an example will consolidate everything at the end of the article.

What is the benefit of a receipt for receiving money?

In case some unforeseen situation arises and the other party refuses to return your money a receipt is written evidence that there was a transfer of money. A receipt will also not be superfluous if you are planning to go to court to restore justice.

However, it is worth keeping in mind that not every receipt will be able to help you in resolving a controversial situation. For its preparation, as for any document that has legal force, there are certain rules and subtleties. We tried to summarize and consider each of these rules.

How to properly draw up a receipt for receiving money.

Let's look at the main points that should be taken into account when writing a receipt for receiving money.

It is advisable to have the correct receipt certified by a notary.

To make everything as legal as possible, you can get the receipt certified by a notary, but this is not a requirement. In addition, you will have to pay some money for this. However, if you have to go to court and the receipt is not certified by a notary, a handwriting examination will most likely be carried out to verify the authenticity of the receipt.

As practice shows, going to court occurs only in extreme cases, when both parties cannot resolve the issue on their own, and this usually happens due to large sums. That's why notarize the receipt It makes sense if you are either transferring a large amount of money and (or) property, or in cases where you are not completely sure of the honesty of the other party.

Sample receipt for receiving money (example):

It is not a problem to find an example of a promissory note on the Internet, but it is difficult to find the right one among all. We analyzed dozens of examples and tried to take into account as many details as possible.

RECEIPT

I, Ivanov Ivan Ivanovich, living at the address: 614000 Russia, Moscow region, Moscow, st. Brothers Ignatov, no. 555, apt. 555, passport series 7777 number 444777, issued by the Federal Migration Service of Moscow on January 1, 2000, received on May 5, 2012 from Petrov Petr Petrovich, residing at the address: 614000 Russia, Moscow region, Moscow, st. Brothers Ignatov, no. 555, apt. 557, passport series 7777 number 222555, issued by the Moscow Federal Migration Service dated January 1, 1998, 500,000 (five hundred thousand) rubles. I undertake to return the money in a timely manner before May 5, 2013. In case of delay, I undertake to pay a penalty in the amount of one percent of the amount for each day of delay.

05.05.2012 signature / Ivanov I.I. signature / Petrov P.P.

Now you have receipt for receipt of money sample, we hope that our article was useful to you!

Receipt for receipt of money sample, example of a correct receipt.