Dost ya relative ko loan dena emotionally tricky aur legally sensitive combo hai. Jab sab theek ho, paper ki zaroorat nahi lagti; jab relation kharab ho jaye, sabse pehle yahi pucha jata hai “proof kya hai?”
Safest approach:
- Simple written loan agreement – amount, interest (ya interest-free), repayment schedule, mode,
- Bank transfer ya digital payment, cash avoid karein,
- Acknowledgement receipts,
- Witness signature helpful.
Overly formal document kabhi-kabhi relation ko awkward bana sakta hai, lekin bilkul informal arrangement future me misunderstanding ka breeding ground hai.
Agar borrower genuine difficulty face kar raha hai, to timeline modification likhit me bhi record ho sakta hai. Ye baad me court me fairness show karta hai.
Loan, gift aur investment teen alag cheezein hain; shuru me hi clarity rakhna best hai.
