When registered nurse Lisa Schloeder, 49, decided to help a colleague enroll in a nursing assistant program, she wanted the $1,500 loan agreement on paper. “I saw this woman at the office every day, but I still thought it was best to put everything in writing to make sure we both understood what we were getting into,” remembers Schloeder.
49岁的注册护士丽莎•施勒德在帮同事报名参加护理员项目时,就把借给同事的1500美元报名费制成纸质借款协议。施勒德表示,“虽然我天天在医院工作都能看见她,但是我觉得最好还是把各种细节都记录下来,做到有章可循,这样就能确保我们两个人都明白应该做什么。”
Her foresight paid off. “There was a check waiting for me every two weeks as we had agreed, and I felt great seeing what an amazing nursing assistant she became for our practice,” she says.
她的远见颇有成效。她说,“就和我们当初说好的那样,把借款分成几份偿还,她每两周就会给我支票。当看到她因为这段时间的护理实践,变成一个了不起的护理员时,我不知道有多高兴呢”。
You can draft a simple personal loan agreement without hiring an attorney, Prakash says. But more complex deals—for example, if they involve collateral or involve more than $10,000—may require a lawyer to be involved.
普拉卡什认为,个人借款可以不用请律师,只需起草一份简单的借款协议即可。但是如果是比较复杂的交易,比如涉及抵押品或者金额超过一万美元时,最好还是请个律师。
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