{"product_id":"avbetalningsavtal-betalningsplan-privatperson-word-pdf-excel","title":"Installment Agreement \u0026 Payment Plan – Individual | Word\/PDF\/Excel","description":"\u003csection class=\"mb-3\" lang=\"en\"\u003e\u003cp\u003e\u003cstrong\u003eHave two private individuals agreed that an existing debt should be paid in installments?\u003c\/strong\u003e This digital template package helps you document a clear \u003cstrong\u003erepayment agreement\u003c\/strong\u003e, draw up a payment plan, acknowledge receipt of partial payments, amend the plan, and confirm final payment. The Word and PDF templates are supplemented by an Excel workbook with nine tabs for tracking the principal debt and payments actually received.\u003c\/p\u003e\n\n\u003cp\u003e\u003cstrong\u003eDigital delivery:\u003c\/strong\u003e 15 files bundled in a ZIP file – editable Word and Excel files and searchable PDFs.\u003c\/p\u003e\u003c\/section\u003e\n\u003cdiv class=\"mb-box\" style=\"border:1px solid #B8CCDA;background:#F5F9FC;border-radius:12px;padding:18px;margin:18px 0\"\u003e\n\n\u003ch2\u003ePackage contents\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003e7 DOCX + 7 PDF + 1 XLSX, a total of 15 customer files.\u003c\/strong\u003e The Word documents include a repayment agreement, payment plan appendix, partial payment receipt, addendum, final payment certificate, as well as a Swedish user guide and an English reference guide. All original Word documents have corresponding searchable PDF versions.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\u003cdiv class=\"mb-box\" style=\"border:1px solid #B8CCDA;background:#F5F9FC;border-radius:12px;padding:18px;margin:18px 0\"\u003e\n\n\u003ch2\u003eWhat the files contain\u003c\/h2\u003e\n\n\u003cp\u003eThe Excel workbook has \u003cstrong\u003e9 tabs\u003c\/strong\u003e: Settings, Repayment Plan, Payments, Overview, Receipt Journal, Reminders, Deviations, Control, and Read Me. Formulas show planned amortization, amounts received, the unpaid portion, any overdue plan items, and the remaining principal debt. Interest and fees are not added automatically.\u003c\/p\u003e\n\n\u003cp\u003eBilingual guidance is included: main templates in Swedish and an English reference guide.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\u003ch2\u003eWhat is a repayment agreement between private individuals?\u003c\/h2\u003e\u003cp\u003eA repayment agreement is a written agreement on \u003cstrong\u003ehow an already identified debt should be paid\u003c\/strong\u003e. Document who is to pay, who has the right to receive the payment, the agreed principal amount of the debt, the payment dates, the amount per payment, and what happens if payment is missed. The package is specifically adapted for private loans or other existing debts between two private individuals – not for credit activities.\u003c\/p\u003e\n\u003ch2\u003eHow to use the document templates\u003c\/h2\u003e\u003col\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eVerify the basis of the debt:\u003c\/strong\u003e review the promissory note or other supporting documentation, previous payments, any interest, and the debt's status regarding the statute of limitations.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eDraft the repayment agreement:\u003c\/strong\u003e fill in the parties, the agreed principal debt, the debt reference, and which existing contractual terms continue to apply.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eEstablish the payment plan:\u003c\/strong\u003e enter the due dates and principal debt amount per installment in the Word appendix and the corresponding Excel rows.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eRecord amounts received:\u003c\/strong\u003e note actual payments and acknowledge them with the partial payment receipt.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eMonitor deviations:\u003c\/strong\u003e Excel shows the remaining principal debt and overdue plan items; if an agreed change is made, a new signed addendum is used.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eClose out correctly:\u003c\/strong\u003e after checking the principal debt, any interest, fees, and the original promissory note, the final payment certificate can be used.\u003c\/li\u003e\n\n\n\u003c\/ol\u003e\n\u003ch2\u003eRepayment plan in Excel – what is calculated?\u003c\/h2\u003e\u003cp\u003eYou enter the agreed principal debt and agreed installments yourself. When actual payments received are recorded and linked to the same installment number, the formulas update the payment status, unpaid amounts, deviations, and remaining principal debt. The workbook has space for 36 agreed installments and 100 payment events. It does not retrieve bank transactions or control collection measures.\u003c\/p\u003e\n\u003ch2\u003eFrequently asked questions\u003c\/h2\u003e\n\u003ch3\u003eIs a repayment agreement the same as a promissory note?\u003c\/h3\u003e\u003cp\u003eNo. A promissory note documents a payment obligation, while the repayment agreement primarily states how an already existing debt should be paid. Previous promissory notes and any security do not automatically cease when the parties draw up a new plan.\u003c\/p\u003e\n\u003ch3\u003eCan a debtor and a private lender agree on installments themselves?\u003c\/h3\u003e\u003cp\u003eYes, they can normally agree on a payment arrangement for an existing debt. The amount, previous payments, due dates, interest, security, and any special rules need to be correctly handled.\u003c\/p\u003e\n\u003ch3\u003eDoes Excel calculate default interest?\u003c\/h3\u003e\u003cp\u003eNo. The Interest Act has different starting points depending on the agreement, due date, and claim. To avoid incorrect automatic demands, this workbook only calculates \u003cstrong\u003eprincipal debt and amortization\u003c\/strong\u003e. Interest and fees should be handled separately with valid supporting documentation.\u003c\/p\u003e\n\u003ch3\u003eCan a new repayment agreement affect the statute of limitations?\u003c\/h3\u003e\u003cp\u003eYes. An acknowledgment of the claim or an amortization can constitute an interruption of the statute of limitations under the Statute of Limitations Act. Therefore, carefully check the debt before signing, especially if it is old or disputed.\u003c\/p\u003e\n\u003ch3\u003eDoes the plan stop enforcement by the Swedish Enforcement Authority?\u003c\/h3\u003e\u003cp\u003eNo, not automatically. The Swedish Enforcement Authority normally cannot decide on a repayment plan for individual cases between private individuals. The person who owes money needs to contact the creditor or their representative and separately handle any ongoing case.\u003c\/p\u003e\n\u003ch3\u003eDo I get a receipt after each payment?\u003c\/h3\u003e\u003cp\u003eYes. There is a Word\/PDF template for a partial payment receipt and a separate receipt journal in Excel. The information must be checked against the payment actually received.\u003c\/p\u003e\n\u003ch3\u003eDoes the package apply to ongoing promissory notes?\u003c\/h3\u003e\u003cp\u003eA repayment agreement may concern an ongoing promissory note, but special rules apply, including the original document, the correct payment recipient, and acknowledgment. Section 21 of the Promissory Notes Act should therefore be reviewed. This package does not replace the handling of the original document.\u003c\/p\u003e\n\u003ch3\u003eAre agreements and guides in English included?\u003c\/h3\u003e\u003cp\u003eThe main agreements are in Swedish, intended for Swedish conditions. An English reference guide is included, but it is not a separate English-language agreement.\u003c\/p\u003e\n\u003ch2\u003eRelated templates\u003c\/h2\u003e\u003cp\u003eSupplement with \u003ca href=\"\/en\/products\/enkelt-skuldebrev-mall-juridiskt-bindande\"\u003eSimple Promissory Note\u003c\/a\u003e to document a new payment obligation or \u003ca href=\"\/en\/products\/lopande-skuldebrev-mall-word-pdf-foretag-privatperson\"\u003eOngoing Promissory Note\u003c\/a\u003e when that type of debt is intended. For businesses, there is a separate product: \u003ca href=\"\/en\/products\/avbetalningsavtal-betalningsplan-b2b-mall-2027\"\u003eRepayment Agreement \u0026amp; Payment Plan B2B\u003c\/a\u003e. See also \u003ca href=\"\/en\/pages\/information\"\u003eour legal guides\u003c\/a\u003e and \u003ca href=\"\/en\/pages\/dokumentmallar-kategorier\"\u003eall document categories\u003c\/a\u003e.\u003c\/p\u003e\n\u003ch2\u003eLegal basis and limitations of use\u003c\/h2\u003e\u003cp\u003eThe material has been checked against the \u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/lag-193681-om-skuldebrev_sfs-1936-81\/\"\u003ePromissory Notes Act (1936:81)\u003c\/a\u003e, the \u003ca href=\"https:\/\/www.riksdagen.se\/sv\/dokument-och-lagar\/dokument\/svensk-forfattningssamling\/rantelag-1975635_sfs-1975-635\/\"\u003eInterest Act (1975:635)\u003c\/a\u003e, the \u003ca href=\"https:\/\/data.riksdagen.se\/dokument\/sfs-1981-130.html\"\u003eStatute of Limitations Act (1981:130)\u003c\/a\u003e, and the \u003ca href=\"https:\/\/www.kronofogden.se\/nagon-har-krav-mot-dig\/du-ska-betala-eller-gora-nagot-verkstallighet\/du-kan-inte-betala-eller-gora-nagot\/uppskov-med-betalning-och-avbetalning\"\u003eSwedish Enforcement Authority's guidance\u003c\/a\u003e. The package is an editable work aid and does not replace a specific review of disputed, time-barred, consumer credit-regulated, security-backed, or international claims.\u003c\/p\u003e\n\u003csection class=\"mb-rel48-link\" lang=\"en\" \u003e\u003ch2\u003ePromissory note or payment plan?\u003c\/h2\u003e\u003cp\u003eA promissory note documents the debt; an instalment agreement sets out how payments will be made. \u003ca href=\"\/en\/blogs\/skuldebrev-juridisk-information-1\/varfor-ska-man-uppratta-ett-skuldebrev\"\u003eGuide to promissory notes for private loans\u003c\/a\u003e.\u003c\/p\u003e\u003c\/section\u003e","brand":"Svenska Dokumentmallar","offers":[{"title":"Default Title","offer_id":55968203374934,"sku":"AVBETAL-PRIVAT-2027-V1","price":79.0,"currency_code":"SEK","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/2373\/3846\/files\/avbetalningsavtal-betalningsplan-huvudbild-1600.webp?v=1792699085","url":"https:\/\/mallbutiken.se\/en\/products\/avbetalningsavtal-betalningsplan-privatperson-word-pdf-excel","provider":"Mallbutiken","version":"1.0","type":"link"}