民国92年有个远亲的女儿,
北上台中念高中(未满18岁).
当时我借了132,000元给她,
当作学费以及生活费,
并要求她留下亲笔签名盖手印的借据(非本票).
并且留下一句.等毕业后再打工还我就可以了.
然后带着她去吃饭喝茶看电影(非重点)
请问各位大大..仙仔..博仔..

1.借据有实际的法律效力吗？
2.口头约束还款日可以吗？
3.多久以后借据或口头约束才生效(失效)？
4.正确的借款或是借据的写法？

我想这样可以帮到很多人吧....

1. 借据有实际的法律效力吗？

in this case, the agreement may not be valid because the money was lent to a minor (未满18岁), 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. 口头约束还款日可以吗？

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

3.多久以后借据或口头约束才生效(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.正确的借款或是借据的写法？
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.

你的问题我不要回答...一定有陷阱！到时候出包会被笑的 XD...

不过看到有人从HK回应，那就要提醒一下...外国的法律在台湾原则没有适用，不要辛辛苦苦看完一长串英文后，钱被借光了还是要不回来 Or2

外国的法律在台湾原则没有适用<== 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.身分证字号
3.借款金额
4.归还日期
5.利息滋生费用
6.法院判决地点
7.亲签盖章或手印

我是初学者,以我粗浅的看法:
1.未满18岁是未成年,限制行为能力的人,其所为的契约行为应该由其法定代理人同意方生效果
所以你在借给他钱的时候,应该由其法定代理人为之,而不是直接与未成年人订契约,
若是如此,应该在一个月内由其法定代理人同意,如此契约才生效
2.你既然借钱给未成年人,就应该有做最坏的打算,可能要不回来了.如果他返还给你,当作是检回来的吧.
敬请高手指教

借据有实际的法律效力吗？
依民法79条规定，限制行为能力人未得法定代理人之允许，所订立之契约，须经法定代理人之承认，始生效力。
所以尚未成年的高中学生属限制行为能力人，在外不可与人有契约所为，如有，一定要经其法定代理人同意，否则不生效力，这个例子，是值得参考的。
呜呜～～～

下面是引用ping235于2006-02-3 05:31发表的 :
1.未满18岁是未成年

民法是以20岁作为有无行为能力的标准...请参阅民法第20条。

应以存证信通知家长限期是否承认

1.有，但必须具备如附件之要点。 (时间、地点、签名、ID NO、等等) ID NO非常重要，一定要写。
2.不行，除非有有效证据可以证明。(录音笔、录音带)
3.双方同意合约，并履行之，即产生效力。 直到合约之内容完成，即告结束。
4.如附件。