Collection of six examples of repayment commitment letters

As society continues to progress, we are all directly or indirectly related to commitment letters. Using correct writing ideas to write commitment letters will help Get twice the result with half the effort. Come and refer to the commitment letter you need! The following are 6 repayment commitment letters that I have carefully compiled. I hope they can help everyone.

Repayment Commitment Letter 1

1: I (borrower) confirm that I still owe cash (RMB)

I hereby promise to repay the debt according to the following plan Payment:

①: Cash repayment (RMB) in 20xx and monthly repayment amount (RMB).

②: Cash repayment (RMB) in 20xx and monthly repayment amount (RMB).

③: Cash repayment (RMB) in 20xx and monthly repayment amount (RMB).

④: Cash repayment (RMB) in 20xx and monthly repayment amount (RMB).

⑤: Cash repayment (RMB) in 20xx and monthly repayment amount (RMB).

⑥: Cash repayment (RMB) in 20xx and monthly repayment amount (RMB).

⑦: Cash repayment (RMB) in 20xx and monthly repayment amount (RMB).

⑧: Cash repayment (RMB) in 20xx and monthly repayment amount (RMB).

⑨: Cash repayment (RMB) in 20xx and monthly repayment amount (RMB).

⑩: Cash repayment (RMB) in 20xx and monthly repayment amount (RMB).

Until all the arrears are repaid

2: If the arrears cannot be repaid according to the above plan, the guarantor will bear all the repayment obligations of the borrower and borrow money

The lender and guarantor are willing to bear corresponding legal responsibilities.

Three: This letter of guarantee becomes effective upon signature by the borrower and the guarantor.

Four: The validity period of this guarantee is: until all outstanding debts are paid off.

Borrower: Guarantor:

Repayment Commitment Letter 2 on March 17, 20xx

Conditions required to apply for a credit card: In most cases, Citizens with full capacity for civil conduct (citizens over 18 years old in mainland China) and with certain direct financial resources can apply for a credit card from the card-issuing bank; to apply for a credit card, a person must have a fixed occupation and a stable source of income. and provide guarantees to banks. The forms of guarantee include personal guarantee, unit guarantee and personal fund guarantee

Repayment plan commitment letter Repayment plan letter to A (the plan states that B borrowed 100,000 yuan from A in 2006, what is the plan The content of the return was signed by B and not stamped with the company seal... In 20xx, Company A borrowed 100,000 yuan from A (the IOU stated that Company A borrowed money from A for business activities and was stamped with the company seal), and B was A The legal representative of the company. Later, Company A existed in name only. In 20xx, A asked B for debt, and B wrote a repayment plan to A (the plan stated that B borrowed 100,000 yuan from A in 2006 and planned how to repay it. content, B’s signature, no company seal, no company A’s name)

Now A uses this repayment plan as evidence, saying that this loan is a personal loan contract between him and B. , sue the court to demand repayment from B.

The question now is, 1. Will the court use this repayment plan to determine that B has promised to bear Company A’s debt to A, and require B to fulfill this commitment?

2 Or the court finds that the repayment plan proves that B actually borrowed 100,000 yuan from A?

3 Can you defend B? When B wrote this repayment plan, he wrote it as the legal representative of Company A. He represented Company A. It did not mean that B was willing to bear the repayment plan in his personal capacity. This debt?

What I am most worried about now is that the court will consider that B voluntarily assumed the debt on behalf of the company and require it to repay it.

In this regard, what reasons can be used to defend B?

1 Isn’t this IOU an expression of B’s true intention?

2 Forgot to stamp the official seal when writing the IOU? Repayment Commitment Part 3

Creditor: __________

Address: ____________, Postal Code: ___________, Telephone: ____________

Debtor: _______________

Address: ______________, Postcode: ______________, Telephone: ______________

After friendly negotiation, the two parties have agreed on relevant matters as follows:

Article 1 Repayment Contents

1. Repayment amount: ________RMB.

2. Repayment period: From the date of signing this agreement, the debtor must pay off the debt before ____ month ____ day of _____ year.

3. Interest rate: The interest rate shall be implemented, specifically: _______.

Article 2 Guarantee

The debtor will use ________ as collateral for repayment. Mortgage period: from the effective date of this agreement until the debtor repays all the creditor's payments and interest rates related to this contract.

Article 3 Obligations of both parties

(1) Obligations of the creditor:

1. Keep the documents for the collateral handed over by the creditor properly and shall not lose or damaged.

2. After the creditor repays all the amounts stipulated in this agreement when due, the complete documents of the mortgage will be handed over to the creditor.

(2) Obligations of the debtor:

1. The debt owed to the creditor and the interest rate shall be repaid proactively according to the time specified in this agreement.

2. The debtor shall deliver the ownership certificate of the mortgaged property from the date of signing the agreement.

Article 4 Liability for breach of contract

If the debtor fails to pay the creditor the amount owed and interest as stipulated in the contract due to its own responsibility, the debtor shall be liable for breach of contract.

Article 5 This contract shall take effect upon witnessing.

This contract is made in six copies. Party A and Party B each hold two copies, and the witness unit retains two copies.

Creditor: Debtor:

Year, month, day, year, month, day, repayment commitment letter Part 4

The repayment commitment letter is the debtor’s overdue debt for its debts A related legal instrument that makes a written commitment to a creditor to repay a loan. In practical life, when a debtor collects debts and the debtor is temporarily unable to repay the debt, the creditor often requires the debtor to issue a "Repayment Commitment Letter" promising to repay the debt within a certain period of time.

The content of the common "Repayment Commitment Letter" is relatively simple, which is to determine the amount of debt owed, specify the repayment period, and then sign or seal it. Because it is simple, some matters are not clearly stated, and naturally it lacks operability. Once a dispute arises during the performance of such a simple "Repayment Commitment", it is actually very difficult to protect the interests of the creditor who borrowed the money.

So what kind of "Repayment Commitment Letter" is effective and can reflect the debtor's sincerity in repayment? What should you pay attention to when drafting a "Repayment Commitment Letter"?

1. Reasons for issuing a "Letter of Repayment Commitment"

1.1 The borrower is forced to The debtor must be pressured through various legal, legal, and even illegal means to repay the debt as soon as possible. When the debtor is temporarily unable to repay under the constant pressure of the creditor who borrowed money, he can only issue a repayment promise to the creditor who borrowed money.

Debtors issue repayment commitments. Some of them want to repay the money, but they have temporary difficulties in cash flow, so they promise to repay within a certain period of time. Some of them do not want to repay the debt at all, and issuing a repayment promise is just a delaying tactic so that the creditors will not come to collect debts every day. When the repayment period is up, when the creditors come to collect debts again, they will find other reasons to stall, and the delay is just one day. . As a result, in practice, creditors who borrow money often hold a letter of commitment from the debtor promising to repay, but the debt is still not repaid. Some even use the limited liability of the company's shareholders and the company's independent liability to maliciously evade debts, and use the promised repayment period to transfer the company's assets.

1.2 The debtor voluntarily repays debts voluntarily. If the debtor owes the money to the creditor and is unable to repay it when it is due, he will negotiate with the creditor and the money will definitely be repaid. With the consent of the creditor, in order to express his sincerity in repayment, he will take the initiative to issue a document to the creditor. "Repayment Commitment Letter".

Debtors take the initiative to issue repayment commitments, some of which are motivated by morality. People should be honest and repay debts. Some people do not repay the money due to pressure. The creditor who borrowed the money will definitely not agree. Take the initiative to promise to repay, express your sincerity, and take the initiative to communicate with you if anything happens in the future. Some are delaying measures. If you take the initiative, creditors will relax their vigilance and not be so quick to find a debt collection agency or sue so quickly. They will use this time difference to transfer property and refuse to pay. Some of them are out of commercial considerations. The creditors who borrowed money cannot afford to offend them, and they want to cooperate with them for a long time in the future.

2. The role of issuing a "Letter of Repayment Commitment"

2.1 Fixed evidence

The debtor has overdue repayment. At this time, the creditor who borrowed the money will have to Be alert, there may be problems with the debtor's funds, and there may be problems with the debtor's integrity, so be prepared for future litigation in advance. Litigation is all about evidence, so the evidence must be solid in advance. Even if you go to a debt collection agency to collect debt, the relevant legal relationship must be clear and the evidence must be sufficient to be able to collect it. The repayment promise issued by the debtor serves as fixed evidence.

The "Repayment Commitment Letter" recognized by the borrowing creditor is a confirmation of the creditor's rights and debts of both parties, and can be used as evidence to prove the creditor's rights and debts of both parties. Before a debtor issues a repayment commitment, it generally has to settle with the creditor who borrowed the money, so that the specific amount of the debt can be determined. If there is no written agreement on the creditor-debt relationship between the two parties in advance, or there is an agreement, but the agreement is not clear, before the two parties break up, they can even coax the debtor to postpone the repayment if they have no money now, as long as they issue a repayment promise. . Once the debtor issues a repayment commitment, the creditor-debtor relationship is determined, so that the evidence will be sufficient in the event of future litigation.

2.2 Interruption of the statute of limitations

Relevant laws do not protect the rights of sleepers. If a creditor fails to exercise its rights in a timely manner within the statutory time limit, its rights will become natural rights, that is, it will lose the right to request compulsory protection from the court. Simply put, the debtor may not repay the debt if the statute of limitations has expired. Of course, when the statute of limitations expires, the creditor who borrowed the money only loses the right to win the lawsuit, and the substantive rights themselves are not lost. If the debtor performs the performance to the creditor, it will be deemed that the debtor has voluntarily given up the benefit of the statute of limitations, and the creditor who borrowed the money does not constitute unjust enrichment.

The purpose of the statute of limitations system is to urge creditors to exercise their rights in a timely manner and maintain the stability of established relevant legal relationships. It is also conducive to the collection and judgment of evidence, which is helpful for the resolution of disputes.

The general statute of limitations is 2 years, starting from the day the creditor knew or should have known that his rights had been infringed. Once the creditor actively exercises its rights or the debtor actively acknowledges the debt, the statute of limitations is interrupted and the statute of limitations is recalculated. The debtor issues a "Repayment Commitment Letter" stating that the creditor who borrowed money has made a request and the debtor has acknowledged the existence of the debt. These are all reasons for interrupting the statute of limitations.

　2.3 Self-comfort

As a creditor who borrows money, if the debtor does not pay back the money, then he must ask for it. It's the debtor's fault. You go and ask for it. You're very polite. The debt is acknowledged, but I just don't have the money for the time being. I hope it can be relieved for a while. Yes, but there must be a repayment plan and cannot be delayed indefinitely, so the debtor issued a "Repayment Commitment Letter". For creditors who borrow money, having a piece of paper in hand, regardless of whether it is a bad check or not, can be cashed in the future. This can be regarded as completing a stage of debt collection.

The debtor is dishonest, refusing to repay the money he owes, making various excuses to delay, and even trying to cheat. The creditor who borrowed money used various methods to put pressure on the debtor, and finally the debtor was forced to write a "Repayment Commitment Letter". As a creditor who borrowed money, especially the person who handles the actual work below, with the debtor's "Repayment Commitment Letter", the evidence has been fixed, and the statute of limitations has been interrupted. This can be regarded as an explanation, and if it fails, a lawsuit will be filed in the future.

3. Things to note when drafting a "Repayment Commitment Letter"

Repayment commitments are generally issued in a relatively hasty situation, and some are even issued on the spot during debt collection. It is issued, unlike an agreement, which goes through a process of repeated negotiations between the two parties. Because of the rush, it is inevitable that something will be omitted, and any omission will leave hidden dangers for the resolution of future disputes. In order to draft an efficient and operable "Repayment Commitment Letter", you must pay attention to the following points.

3.1 Clearly state the reason for the debt

First of all, you must clearly state the reason for the debt. You cannot simply write the amount of the debt directly. The reason for the debt should be detailed. What is the reason for the debt? ***How ??much principal is in arrears? How much is the interest or how is it calculated? How much is the liquidated damages or how are they calculated? When should the repayment be made, and when will the repayment be deferred now? Is it a one-time payment or an installment payment? etc. The more detailed you are, the more actionable it will be.

The creditor-debt relationship between the two parties is generally agreed upon in advance. Now the debtor is asked to issue a "Repayment Commitment Letter" because compared to the prior agreement, the repayment commitment comes later. If there is any inconsistency In the local area, it is equivalent to the repayment commitment changing the prior agreement and re-confirming the creditor-debt relationship. If there is any inconsistency, the repayment commitment shall prevail. For example, the original loan agreement clearly stipulates the benefits during the loan period and the benefits of overdue payment, but the repayment commitment only states the principal amount of the loan and when the repayment will be extended, and does not say anything about the interest. Make an agreement. Because there is no agreement on interest, the court may determine that the repayment promise has changed the content of the original loan agreement, and the loan is now interest-free. In this way, the interests of creditors who borrow money will be harmed, so the reasons for the debt must be clearly stated.

3.2 Agreed liability for breach of contract

Whether to breach the contract, sometimes the consideration is not morality, integrity, and the spirit of the contract, but the cost of breach of contract. If the cost of breach of contract is very small, or even if breach of contract can bring more profits, this will encourage breach of contract, and people's nature of profit-seeking will choose breach of contract.

When there is no liability for breach of contract or the cost of breach of contract is very small, if the other party still abides by the contract, it may be due to the power of integrity and morality, or it may be out of consideration for the interests of long-term cooperation in the future, but relying on morality After all, there is great uncertainty in a society where integrity is lacking. By setting strict and effective liability for breach of contract, even if the debtor is not very moral and does not consider long-term interests in the future, he will still choose to abide by the contract for the sake of money, seeking advantages and avoiding disadvantages.

Although the debtor has sworn to write a repayment promise, it does not rule out the possibility of still not paying the debt when due. Therefore, the liability for breach of contract must be stipulated in the repayment promise to increase the cost of breach of contract, thereby motivating the debtor to abide by the promise. about.

A complete breach of contract liability clause that can encourage compliance generally includes two aspects: First, restrictions. If the debtor fails to repay when due, he will have to bear or increase his liability for breach of contract. If the debtor still cares about his money, he will obediently choose to repay in time. The second is rewards. If the debtor repays the loan promptly when due, not only will he not be liable for breach of contract, but the creditor who borrowed the money will also appropriately reduce part of the debt. When the debtor sees that he can pay less if he repays on time, he will naturally choose to repay on time.

One thing that needs special attention here is the issue of promised installment repayment. If the repayment is in installments, be sure to add in the repayment commitment: "If the debtor is overdue in any installment, the creditor has the right to require the debtor to repay the entire debt in one go." The benefits of such an agreement are: First, It can urge the debtor to repay in time; secondly, if the debtor is overdue in any period of payment, the creditor can immediately sue for the entire debt without having to sue in installments, or wait until all repayments are overdue before suing. Such an agreement also prepares you for future lawsuits.

3.3 Agreed guarantee

The guarantee is equivalent to increasing the liability property of the debtor, so that the realization of the creditor's rights is double guaranteed. If the debtor has overdue repayment, it means that the debtor has either integrity problems or credit problems. If a guarantee can be set up when promising to repay, this will greatly increase the possibility of realizing the creditor's rights.

This article mainly analyzes the guarantee methods among the guarantee methods. If the debtor is a natural person, he may be required to provide other natural persons as guarantors. If the debtor uses the company as a guarantor, it must pay attention to risk control. The company's guarantee is not as simple as directly stamping the repayment commitment, although this is often done in practice. Different situations must be distinguished and dealt with separately: if the debtor is a shareholder of the company, a resolution of the shareholders' meeting is required before the shareholder can be guaranteed; if the debtor is not a shareholder of the company, according to the company's articles of association, a resolution of the board of directors or shareholders' meeting is required. External guarantee, otherwise the guarantee provided by the company will be deemed invalid.

If the debtor is a company, it can require a natural person to provide a guarantee for it. Generally, its legal representative or actual controller is required to provide a guarantee for it. If the legal representative or actual controller promises that the debtor will repay the loan, but is unwilling to provide guarantee for it, then the creditor who borrowed the money should be wary of the debtor's sincerity in repaying the loan.

No matter which form of guarantee is used, the most beneficial thing to the creditor is the joint liability guarantee, not the general guarantee. The joint liability guarantee only needs to be added to the repayment commitment: "The guarantor shall assume joint and several liability for all debts of the debtor." Then the guarantor signs or seals the signature. If the company is the guarantor, it must also be attached with the board of directors or The shareholders meeting approves the resolution to provide guarantee.

3.4 Agree on the dispute resolution method

The dispute resolution clause is sometimes the most important clause in an agreement, bar none. Whether a case can be won depends sometimes not on the evidence but on where the case is prosecuted. For creditors who borrow money, if the case is prosecuted in the appropriate place, it can not only reduce their own litigation costs, but also make the case develop in the direction most beneficial to them through their own operations.

Generally, the stronger party will agree on a dispute resolution clause that is most beneficial to itself in the agreement. In practice, it is common to agree to sue in the people's court where the creditor is located. If the two parties have not agreed on a dispute resolution clause in the prior credit and debt agreement, you can add a dispute resolution agreement to the repayment commitment at this time to prepare for future litigation.

3.5 Whether to use a repayment commitment letter or a repayment agreement

Normally, a "repayment commitment letter" is agreed upon by both the creditor and the debtor, and is issued by the debtor to the borrower. For creditors, it usually only has the signature or seal of the debtor, and does not have the signature or seal of the creditor to confirm the loan.

Because there is no signature or seal from both parties to confirm, it will leave hidden dangers for future disputes. Both parties may deny the validity of the repayment commitment based on their own interests.

The debtor can say that the repayment promise is only his own unilateral intention and has not been recognized by the creditor who borrowed the money, so it should be invalid. The creditor who borrowed money may also say that the repayment promise is only the debtor's unilateral intention and does not have our signature or seal to confirm it. We do not recognize it and should be invalid. Therefore, the safest way to operate is of course to sign a detailed repayment agreement. The agreement is the result of consensus reached by both parties and is confirmed by the signatures or seals of both parties, so neither party has an excuse to deny its authenticity and validity.

In practice, if instead of signing a repayment agreement, the debtor issues a repayment commitment to prevent hidden dangers, the creditor must sign or seal the signature of the "Repayment Commitment Letter" To confirm, in fact, once the loan creditor confirms it in the "Repayment Commitment Letter", the Repayment Commitment Letter will become a repayment agreement.

The above provides a detailed analysis of some matters needing attention when issuing a "Letter of Repayment Commitment". The content of the "Letter of Repayment Commitment" is mainly designed from the perspective of safeguarding the interests of creditors who borrow money, so as to maximize the To protect the interests of creditors who borrowed money. But in real life, the issuance of each "Repayment Commitment Letter" is the result of a game between the two parties and the product of weighing the advantages and disadvantages of both parties.

In each specific case, due to the limitations of subjective and objective circumstances, the creditor may not be able to require the debtor to issue a "Repayment Commitment Letter" in a manner that is most beneficial to itself. At this time, the creditor can only continue to put pressure on the debtor through various channels and strive for as many terms as possible that are beneficial to itself. As a creditor who borrows money, you must have relevant legal thinking: only by creating the cost of breach of contract can you encourage compliance with the contract. You cannot rely on the morality of the debtor and expect him to be honest and trustworthy and keep his promise. You must design reward and punishment measures based on interests, so as to urge and motivate the debtor to keep his promise. Repayment Commitment Letter 5

To the Rural Credit Union (Cooperative Bank) Credit Union (branch, branch): I have a relationship with (the borrower) because I purchased a house (type: housing, Others) Apply for a personal house purchase loan (in RMB capital letters) from your bank (company), with a term of one year. During the loan period,

I am willing to bear the repayment responsibility with ***, strictly implement the terms of the (contract number) house purchase loan contract, and bear all legal responsibilities for violating the contract.

I hereby promise.

Commitment person:

Year, month and day

***Same as repayment commitment letter

Tangshan Housing Provident Fund Management Center:

The borrower is currently using a housing provident fund loan to purchase a residential building with a unit number in a district (county). The loan amount is: (uppercase), (lowercase), and the loan term is: years. *** Same as the repayer, home address: district (county) community building unit number, contact number: (mobile phone) (landline), relationship with the borrower, I am responsible for the borrower's loan process I understand everything and I voluntarily provide a joint liability guarantee for this loan and repay the loan in your center with the borrower*** until the loan is repaid

. If the borrower defaults, I am willing to bear the repayment responsibility.

***Signature with the repayer:

Year, month and day repayment commitment letter 6

My name: xxx, work unit: xxxxxxxx

p>

I borrowed X million yuan (in capital letters: xx yuan) from the xxx District Finance Bureau on xx, xx, 20xx. I will repay the loan to you on xx, xx, 20xx. If you fail to repay after the due date, I will make the following commitments:

1. I guarantee that my future work income (or funds raised) will be limited to paying the loan, and the repayment time will be Between the 5th and 10th of each month. The main repayment method is cash, and bank transfer is only provided by Liangzihu District Credit Union. The Liangzihu District Finance Bureau must issue corresponding receipts after receiving the payment.

2. Comply with national laws and regulations.

3. I agree to provide my property as a mortgage.

4. If I want to study or settle abroad for some reason, I am willing to pay all the borrowed money before going through relevant procedures such as leaving the country.

5. During the loan period, if I change my workplace or my home address, contact information and other relevant information change for some reason, I guarantee that the information will be fed back to the Liangzihu District Finance Bureau in a timely manner. I will bear the legal responsibility for any adverse consequences caused by failure to provide timely feedback.

6. I promise to pay off the loan I owe before month day 20xx, be an honest person, and abide by my credit.

7. This commitment is made in triplicate. One copy will be deposited with the Liangzihu District Finance Bureau, and I will keep the other two copies.

Promisor:

Date: