借錢比朋友一問

Question

i will lend some money to my friend

although is my good friend, but the amount is very large...

so we agree to make some 借據... but i want to ask

how to make? what information do i have to include in

that 借據?? any 第三者 見証 signature is needed??

handwriting or must print out by computer?

any other information do i have to take? photocopy of id card?

仲有d 錢駛唔駛一定要由銀行過比佢先可以protect自已? 1手交1 手cash okay ma?

thank you very much very boys and girls

Answer 1

1. 借據可如下(藍色字不用寫):
借據
本人XXX(債仔名字), 香港身分證編號A123456(7) (債仔身分證編號), 地址: xx街xx号x樓x室, 現向YYY(你的名字), 香港身分證編號A987654(3) (你身分證編號),借款港幣x萬元正(HK$x0,000). 承諾於YYY要求時連本帶利 / 無利息全數償還.(delete as appropriate)
日期:
欠款人簽署 ; 貸款人簽署 ; 見証人簽署(可有可無, 如有最好**)
2. 只需中文(費事佢賴話唔識英文), 一式兩份都要簽, 一人保存一份.
3. 用電腦印好後給債仔簽名, 費是佢拖你時間.
4. 影印埋佢身份証, attach係張借據度.
5. 寫支票(寫佢名only) / 用銀行過數俾佢. Do not give him cash!! 只可過入佢自巳戶口, 唔好過入第三者account. 再將支票 / 過數紙copy, attach係張借據度. 一人保存一份. 過數紙Original 你keep番.
**如有見証人當場簽署, 就算佢畫隻龜上去, 仍具法律效力. 無就唔得.

2007-06-08 16:58:03 補充：
I agree with Wahaha also. If he does not pay you back, are you really going to sue him?

2007-06-12 16:50:06 補充：
係呀! 正如下面Stephen兄所講, 香港借錢話咁易! 銀行 / 財務 / 信用卡, 一個月入一萬嘅分分鐘加埋可借八九萬. 重係一兩個鐘頭有錢到手. 就算破過产都有可能借到 (AEON卡, 迅達財務). 點解你朋友唔去申請? 如果佢credit差到財務都唔借, 咁你借俾佢咪好大risk?

Answer 2

我提議你唔好借,有無借據都無用,如該朋友玩失蹤,自討苦吃,我是過來人,如果真是好朋友,就送幾千蚊比佢天用.記住係送......

Answer 3

i think 唔借好d.
because we agree to make some 借據...
如果佢無money還，你係唔係告佢呢？
咁借據有咩意義呢？根本就無 protect.
如果佢有能力，就唔駛問你借。
i think 借小小可以，無得還就當係大家的交情啦！
我的經驗話比我知，
借或唔借，都好難再做good friend.