In modern societies, many people need to borrow for a variety of reasons, such as common house purchases, car purchases or travel, and when borrowing requires a written certificate, it is difficult to write a personal borrowing because of a lack of experience or a lack of knowledge of the relevant legal provisions. The following aspects should therefore be analysed in the preparation of individual borrowings。

1. Paper version or electronic version

In the digital age, it may be easier to use electronic versions, as easier to track and archive. However, the paper version remains more common for individual borrowing. Since paper versions can be easily destroyed, digital versions are difficult to prove. However, the use of electronic versions may be easier in emergency situations, as they can be sent and received at any time, including by e-mail。

2. Requirements for borrowing and interest rates

The amount of the borrowing and the interest rate should be specified when preparing the personal borrowing. This would prevent the lender from requesting additional borrowing at a later date or the borrower from making repayments in a manner that is unclear to the borrower. In addition, the penalties for late repayment and the number of overdue days should be clearly indicated in the articles to ensure that the borrower was aware of its own responsibility in that regard。

3. Clarifying the purpose of borrowing

It was important to specify the purpose of the borrowing. When the purpose of the loan is specified, the lending party ensures that the money it borrows will be used for a specific purpose and that the borrower may not use it for other purposes, which may reduce the number of conflicts and disputes between the parties。

4. Signature and date

Finally, in the personal loan clause, the signatures and dates of both parties are very important. It is important to ensure that this information is all true, clear and clearly presented in the document, which, if it is not signed or invalid, will not be considered a legal document. Confirmation of the signature and date would prevent subsequent denial of the loan or the belief that it had expired。