1. The borrower should write the full text of the loan and sign it, not print it;
2. The loan content is accurate and unambiguous;
3. It is required to write down the borrowing time, borrowing purpose (the purpose should be legal and cannot be used for illegal purposes such as gambling), interest agreement and repayment period;
4. Lenders should try not to pay in cash, especially for large loans, and should use bank remittance, and the other party's account name is the same as that of the borrower;
5. If the other party's credit or repayment ability is poor, you can ask for a guarantee or guarantor.
Remarks: The borrower refers to the debtor, that is, the person who needs to borrow money, and the lender refers to the creditor, that is, the person who provides loans to others. If both parties need to agree on many matters, they can sign a loan contract and make detailed agreements while writing the loan note. So, is the loan valid by fingerprint? Yes, it is.
Legal basis: Article 490 of the Civil Code of People's Republic of China (PRC).
If the parties enter into a contract in the form of a contract, the contract shall be established when the parties sign, seal or press their fingerprints. Before signing, sealing or fingerprinting, one party has fulfilled its main obligations, and the contract is established when the other party accepts it.
A contract shall be concluded in written form as stipulated by laws, administrative regulations or agreed by the parties. If the parties do not do this in writing, but one party has fulfilled its main obligations and the other party accepts it, the contract is established.