The agreement is considered concluded only after the actual transfer of funds.
If not specified, the rate defaults to the Central Bank's key rate. To make it interest-free, you must explicitly state it is "interest-free" ( besprocentnyj ). zajm s fiz licom dogovor
ГК РФ Статья 807. Договор займа \ КонсультантПлюс The agreement is considered concluded only after the
Under Russian law, a loan agreement ( dogovor zajma ) between individuals is a contract where the lender transfers money or items to the borrower, who must return the equivalent amount or items. Key Legal Requirements zajm s fiz licom dogovor
Online constructors like Dogovor.ru allow you to generate customized PDFs.
For cash loans, a signed receipt ( raspiska ) is critical evidence that the money was actually handed over. Basic Loan Agreement Template