民國92年有個遠親的女兒,
北上台中唸高中(未滿18歲).
當時我借了132,000元給她,
當作學費以及生活費,
並要求她留下親筆簽名蓋手印的借據(非本票).
並且留下一句.等畢業後再打工還我就可以了.
然後帶著她去吃飯喝茶看電影(非重點)
請問各位大大..仙仔..博仔..

1.借據有實際的法律效力嗎？
2.口頭約束還款日可以嗎？
3.多久以後借據或口頭約束才生效(失效)？
4.正確的借款或是借據的寫法？

我想這樣可以幫到很多人吧....

1. 借據有實際的法律效力嗎？

in this case, the agreement may not be valid because the money was lent to a minor (未滿18歲), minor is, according to law, cannot borrow... i.e. there is no case in law, but of cause, anything subject to judgement of court. if there's anyone co-signed (such as her father), it'll be definately made it valid.

2. 口頭約束還款日可以嗎？

Verbal agreement is always valid generally but difficult to proof unless there's a witness.

3.多久以後借據或口頭約束才生效(失效)？

7 years, subject to jurisdiction of home country, during the 7 years time, if lender had made his claim lawfully, the period resume.

4.正確的借款或是借據的寫法？
simple agreement should basically include the following...
--------------------------------------------------------------------------
Parties: (Lender and Borrow's name)
Date of Agreement:
Responsibility: (if there are more than one borrower, individuals responsible and joint and several liable)
Breakdown of Loan: (loan amount + finance charges + any other cost)
Interest Rate: (Rate charged to the loan, e.g. 2% p.a.)
Repayment: (by lump sum at certain date or by instalments)
Prepayment: (any surcharge to prepayment)
Late Charge: (late payment charges + administrative fee, if any)
Security: (any colletral pledged)
Right of Offset: (keeping something of borrower in settlement of the loan / instalment, e.g. a watch)
Collection fees: (who's gonna pay the collection fees, lender / borrower)
Co-borrowers: (Any Co-borrowers signing this agreement agree to be equally responsible with the borrower for this loan.)

lender's signature(s)
borrower's signature(s)
witness
--------------------------------------------------------------------

the above is given according to my limited knowledge and common sense without subject to any resposibility anyhow in anyway, so if there's something wrong, pls let me know.
In addition, i'm from hong kong, so the above may not all be applied in taiwan.

你的問題我不要回答...一定有陷阱！到時候出包會被笑的 XD...

不過看到有人從HK回應，那就要提醒一下...外國的法律在台灣原則沒有適用，不要辛辛苦苦看完一長串英文後，錢被借光了還是要不回來 Or2

外國的法律在台灣原則沒有適用<== i've made a footnote reminding axdebnm....

i just took it as a homework from school, if this is a real case, i have a feeling that the money probably couldn't be get back....or you need so much effort, time and money for legal action.

1.借款人姓名
2.身分證字號
3.借款金額
4.歸還日期
5.利息滋生費用
6.法院判決地點
7.親簽蓋章或手印

我是初學者,以我粗淺的看法:
1.未滿18歲是未成年,限制行為能力的人,其所為的契約行為應該由其法定代理人同意方生效果
所以你在借給他錢的時候,應該由其法定代理人為之,而不是直接與未成年人訂契約,
若是如此,應該在一個月內由其法定代理人同意,如此契約才生效
2.你既然借錢給未成年人,就應該有做最壞的打算,可能要不回來了.如果他返還給你,當作是檢回來的吧.
敬請高手指教

借據有實際的法律效力嗎？
依民法79條規定，限制行為能力人未得法定代理人之允許，所訂立之契約，須經法定代理人之承認，始生效力。
所以尚未成年的高中學生屬限制行為能力人，在外不可與人有契約所為，如有，一定要經其法定代理人同意，否則不生效力，這個例子，是值得參考的。
嗚嗚～～～

下面是引用ping235於2006-02-3 05:31發表的 :
1.未滿18歲是未成年

民法是以20歲作為有無行為能力的標準...請參閱民法第20條。

應以存證信通知家長限期是否承認

1.有，但必須具備如附件之要點。 (時間、地點、簽名、ID NO、等等) ID NO非常重要，一定要寫。
2.不行，除非有有效證據可以證明。(錄音筆、錄音帶)
3.雙方同意合約，並履行之，即產生效力。 直到合約之內容完成，即告結束。
4.如附件。