The Lender transfers to the Borrower. The Borrower agrees to return the sum by [Due Date] . INTEREST & PENALTIES

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For late repayment, the Borrower shall pay a penalty of [X]% of the overdue amount per day. TRANSFER & REPAYMENT The funds are transferred via [Bank Transfer / Cash].

T-Bank (formerly Tinkoff) provides simple DOCX versions for personal use.

The agreement is considered concluded only after the actual transfer of funds.

The loan is provided free of interest ( besprocentnyj ).