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Loan agreement between individuals (Malta)
Malta · in English
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For two people in Malta — family, friends or acquaintances — where one lends the other a sum of money. The agreement records the amount, how and when it is repaid, and any interest, which the Civil Code limits to 8% a year (article 1852). Both sign it as a private writing and each keeps an original; the borrower signs a separate receipt when the money is handed over. It is not for loans made by a business, which follow consumer credit rules.
- Made for use in Malta
- Last updated November 4, 2026
- Document in English
Published byDocMuse
When to use this document
- You are lending money to a family member in Malta and want the terms written down.
- A friend in Malta is lending you money and you both want to agree how it is paid back.
- You lent money in Malta and want the repayment dates and interest on paper.
- You want a simple loan agreement in Malta that both of you sign.
What you fill in
The details the document asks for.
- Date
- City
- Lender
- Lender's ID card or passport number
- Lender's address
- Borrower
- Borrower's ID card or passport number
- Borrower's address
- Principal
- Annual interest rate (0% if the loan is interest-free)
- Repayment date
- Amount of each monthly instalment
- Day of payment
- Due date of the first instalment
- Lender's bank account
Common questions
- How much interest can a private lender charge in Malta?
- No more than 8% a year: article 1852 of the Civil Code (Cap. 16) caps agreed interest at that rate, and any higher rate is reduced to it. A loan between family or friends is often interest-free; write 0% in that case. The rate is charged on the amount still owed, so it falls as the loan is repaid.
- Does a loan between friends in Malta need to be in writing?
- The Civil Code requires a promise to lend money in the future to be in writing (article 1233). For a loan handed over now, an agreement signed by both is the clearest evidence of the amount and the terms, and the borrower's signed receipt shows that the money was paid. Each party keeps an original. If either party is married under the community of acquests, lending or borrowing money is an act the spouses do jointly (article 1322), so that party's spouse also signs; without it the debt may not bind the community's assets (article 1327).
- How long can a lender in Malta wait before claiming a loan back?
- An action for repayment of a loan not made by public deed is barred after five years (article 2156 of the Civil Code). A written acknowledgement by the borrower, or a judicial act served on them, interrupts that period. If the borrower does not pay, the lender can send a final demand and then claim before the Small Claims Tribunal, for up to €5,000.
How you can sign this document
- Print it and sign by hand. The signature lines in the document are left blank on purpose — sign on them in ink.
- Sign it yourself with a qualified electronic signature. If you already hold a QES — Evrotrust, B-Trust, StampIT, ZealiD or any qualified provider on the EU Trusted List, on a card, a USB token, in a mobile app or in the cloud — our signing guide explains step by step how to sign this exact file without invalidating it. Step-by-step help, and a way to check it worked
DocMuse sells documents, not legal advice. Acceptance always depends on the recipient's rules and your local law.
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