Private loan agreement: Lending money with legal security

What does this legal document offer you?

With this loan agreement, you can regulate private money lending in a legally secure, transparent and tax-compliant manner – for example between friends, family or acquaintances. You define the disbursement, repayment method, fixed installments and collateral in a binding manner and at the same time meet the requirements of the tax office for an effective contract between private individuals.

The contract creates clear conditions: Repayment periods, interest and collateral are clearly regulated – even in the event of late installments. You avoid tax risks such as a possible gift obligation, secure yourself with guarantees or property if necessary and receive a document that will stand up in court and at the tax office.

Ideal for:

• Money lending between private individuals (e.g. parent-child, siblings, life partners)

You regulate:

• Amount, disbursement and repayment of the loan
• Monthly installment payment with a fixed term
• Fixed interest rate of 5.5 % per annum (tax-recognized)
• Whether early repayment is permitted
• Whether collateral is agreed

Important: The interest rate is prescribed for tax purposes. This agreement contains a fixed, reasonable interest rate of 5.5% per annum, which corresponds to the so-called arm’s length principle. This means that the loan is recognized by the tax office as a genuine, serious credit relationship – even between relatives.

With this contract, you meet the formal requirements of the tax office and avoid misunderstandings, disputes or subsequent queries.

Create a legally compliant loan agreement now – clear, comprehensible and tax-effective.