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If you’re going to lend a significant amount of money to someone, especially if you’ve never seen the borrower in person, only online, it’s always a good idea to enter into a loan agreement.
Be sure to include in it: the personal details of the borrower and the lender, the loan amount, and the signature date. It’s also very advisable to specify the payment schedule and a penalty in case of failure to repay the debt on time.
Note that it doesn’t need to be notarized. BUT in Russia, such a document becomes enforceable ONLY AFTER the transfer of the loan. That is, if the borrower refuses to pay back, you’ll be obliged to pr
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