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- Loan for useFor when you lend out a thing free of charge — a tool, a piece of equipment, a car, a room. It differs from a lease in that nothing is paid, and from a money loan in that the same thing comes back rather than its value. So the description of the item and its condition at handover carry the whole weight of the contract: without them there is no way to show that what came back is not what went out.
- Loan agreement between private individualsWhen you lend money to a relative or a friend, this is the document that turns a spoken arrangement into an obligation that can be proved. It records the amount in figures and in words, when it was handed over and how, when it is repaid, whether there is interest and what is owed on late payment. The amount in words is not a formality: where the two disagree, a court reads the words.
- Deed of gift for movable propertyA gift between people close to one another is ordinary enough, but an undocumented gift creates two problems: there is later no proof of whose the thing is, and no proof that it was not a sale. The contract fixes who gives what to whom and from which date. A gift between lineal relatives and between spouses is normally exempt from tax; in every other case the municipality charges local tax, so check before signing.
- Sale of movable propertyFor a private sale of equipment, furniture, tools, instruments — anything handed over by hand. The contract describes the item, the price in words and in figures, and the seller's declaration that the item is theirs and is not pledged. Note that it will not do for a motor vehicle: there the law requires the signatures to be notarised.
- Agreement for payment by instalmentsFor when a debtor cannot pay in one go but can pay in instalments. The agreement acknowledges the debt, sets a repayment schedule with dates and amounts, and settles what happens on a missed instalment — usually that the whole balance falls due. For the creditor it beats silence; for the debtor, enforcement.
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