这贷款文书合法吗？

hk123

小明是我很好的朋友。
由于最近手头紧，不够钱用，我打算向小明借贷100K。
我会每个月慢慢的将钱还回给小明。

我打算立一份借贷合约，合约中列明我会每个月还RMXX ， 分作N期还回给小明。
如果我没能力还款，我将会把我的汽车变卖或者这汽车将归小明拥有。
我将会付上我的IC副本，还有车卡副本。


请问以上的合约有效吗？在法律上能成立吗？
如果有一天我没能力还款了，小明可以用这合约来向我讨汽车吗？

还有什么需要注意的呢？

谢谢各位。

马脸

帮我问问小明方便借我1M吗。。？

跛co

可以介绍小明来吗

derekting2u

问题不在于有没有效，而是他要借你吗？

“如果我没能力还款，我将会把我的汽车变卖或者这汽车将归小明拥有”
你的汽车market value多少？ 100K？如果200K 可能“小明”会考虑（汽车会贬值的）

“我将会付上我的IC副本，还有车卡副本”
“小明” 要你的IC副本，还有车卡副本来做么？ 它们都不是security。

如果，“小明”那么大方记得介绍我让我任他当干爹 =）

你需要注意的事：那loan agreement不可以有interest！除非他有license charge interest。

hk123

问题不在于有没有效，而是他要借你吗？

“如果我没能力还款，我将会把我的汽车变卖或者这汽车将归小明拥 ...
derekting2u 发表于 12-11-2011 08:42 PM

    谢谢derek兄，我还以为这里只有一些蛇虫鼠蚁的出没，感激你的回复。
记住了”那loan agreement不可以有interest！“

hk123

谢谢derek兄，我的合约里的却有interest 这字眼，会把他删除了。

hk123

Promissory Note

This Note(“Contract”) is an agreement between ___________ _____________,henceforth known as “Borrower,” and _______________________, henceforthknown as “Lender.”

Borrowerwishes to borrow Ringgit Malaysia
xxxxxxxxx
, known as“Loan,” from Lender for   xxxx
months. Loan will be furnished to Borrower on
xxxxxx2011.

Conditionsfor this Loan are as follows:

• Borrower will begin repayment of Loan on xxxxx 2011 and     continuing until the principal balance of this Note.

• The borrower will make the payment of RM xxxx each at monthly basis. All payments shall     be first applied to interest and the balance to principal.

• The final date for repayment will be xxxxxx

• 
  Borrower     may pay-off the loan balance as to date as per following Loan Installment     Table:

Month #

Beginning Balance

Montly Payment

Interest Payment

Principal Payment

Ending Balance

Pay-off

Date

• In the event that a payment due under this     Note is not made within four (4) days of the time set forth herein, the     Borrower shall pay an additional late fee in the amount of RM50.

• The entire unpaid principal and accrued   
  interest  thereon, if any, shall become immediately due and payable on     demand by the holder of this Note.

• No modification or waiver of any of the terms     of this Agreement shall be allowed unless by written agreement signed by     both parties.

Borrowerand Lender agree to the conditions above, and sign to that effect in thepresence of a notary public on the ____day of xxxxx, 2011.

___________________________

___________________________

Borrower Name

Lender Name

___________________________

___________________________

Borrower Signature

Lender Signature

Signed in the presence of:
_______________________________________
Witness
[Note- the lender may not be a witness. If more than one witness is used,each should sign separately.]

Notary Signature and seal:

derekting2u

•In the event that a payment due under this Note is not made within SEVEN (7) DAYS of the time set forth herein, the entire unpaid principal shall become immediately due and payable on the written demand by the Lenders.

如果小明要借你100K的话，花点小钱到律师作一份Agreement。你的agreement 是Promissory note, in law the effect is acknowledge the debt.

derekting2u

如果小明觉得Promissory note is good enough。记得在execute the Agreement前stamping；MYS 10。Prepare two copies, one mark as original another as duplicate. The Lender keep the original.

hk123

•In the event that a payment due under this Note is not made within SEVEN (7) DAYS of the time ...
derekting2u 发表于 13-11-2011 08:38 AM

    谢谢derek 兄，
1。 你能解释这句是什么意思吗？ ”你的agreement 是Promissory note, in law the effect is acknowledge the debt.“，是说borrower 承认他会承担Note里边提到的债务？

2。放上RM 10 的 stamp 后，chop 了， 双方才签名，对吗？ 拿着这份合约去 lembaga hasil, chop, 担心他们会问长问短哦。

老实说，我是将数目放大了10倍   
就担心找律师费用大，不够cover, 所以就大概的弄一份。
derek兄是律师吗？ 有做过这方面的合约？

derekting2u

1. 这是说你承认有这一笔债务。
2. 拿去LHDN， 他们没有那么闲空啦。

数目不大， “小明”okay 那就没问题咯。
我现在还不是。我现在在朋友的律师楼负责draft agreement =）

hk123

1. 这是说你承认有这一笔债务。
2. 拿去LHDN， 他们没有那么闲空啦。

数目不大， “小明”okay 那就没问 ...
derekting2u 发表于 13-11-2011 11:29 AM

谢谢回复。
    原来在相关行业工作。

请问你是那里人，会是同乡吗？我在霹雳工作。
我有这个荣幸与你交个朋友吗？