{"product_id":"skuldebrev-engelska-mall-word-pdf","title":"Promissory note English template – Simple personal loan Word\/PDF","description":"\u003cp\u003e\u003cstrong\u003eSimple Promissory Note in English in Word and PDF\u003c\/strong\u003e for those who want to document a private loan under Swedish law. The agreement text is titled \u003cem\u003eSimple Promissory Note\u003c\/em\u003e and is complemented by a separate Swedish completion guide. You fill in the parties, loan amount, repayment date, and any interest in a clear two-page template.\u003c\/p\u003e\n\u003ch2\u003ePromissory note in English for private loans in Sweden\u003c\/h2\u003e\n\u003cp\u003eThe template is intended for a loan already disbursed in Swedish kronor between an adult lender and an adult borrower who are both resident in Sweden and acting privately. It is suitable, for example, when friends or adult family members want to write down the terms in English. The entire principal amount must still be unpaid, and the loan is to be repaid on a specific future date.\u003c\/p\u003e\n\u003cp\u003eThe language is English, but the template refers to Swedish law. It is therefore not a loan agreement designed for British or American law. The Swedish guide helps you understand the fields and terms before the document is signed.\u003c\/p\u003e\n\u003ch2\u003eThis is included in the download\u003c\/h2\u003e\n\u003cul\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eEnglish promissory note template in Word, DOCX:\u003c\/strong\u003e two pages that can be edited.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eThe same promissory note in PDF:\u003c\/strong\u003e two pages for printing and handwriting.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eSwedish completion guide in Word and PDF:\u003c\/strong\u003e two pages per format with instructions, interest examples, and links to official legal sources.\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\u003cp\u003eThe delivery consists of a ZIP file containing four documents. The PDF files do not have interactive form fields. No physical product is sent.\u003c\/p\u003e\n\u003ch2\u003eTerms included in the template\u003c\/h2\u003e\n\u003cul\u003e\n\n\u003cli\u003eName, personal identity number, and contact details for both parties.\u003c\/li\u003e\n\n\u003cli\u003eLoan amount in figures and words, as well as information about the already completed disbursement.\u003c\/li\u003e\n\n\u003cli\u003eA specific final repayment date and the lender’s payment account.\u003c\/li\u003e\n\n\u003cli\u003eOptional fixed annual interest rate, with the possibility of an interest-free loan.\u003c\/li\u003e\n\n\u003cli\u003eEarly repayment without a fee.\u003c\/li\u003e\n\n\u003cli\u003eDefault interest for late payment.\u003c\/li\u003e\n\n\u003cli\u003eSwedish applicable law and dispute resolution.\u003c\/li\u003e\n\n\u003cli\u003eSignature fields for lender and borrower.\u003c\/li\u003e\n\n\n\u003c\/ul\u003e\n\u003ch2\u003eHow to use the Word and PDF template\u003c\/h2\u003e\n\u003col\u003e\n\n\u003cli\u003eRead the Swedish guide and ensure that the loan falls within the scope of the template.\u003c\/li\u003e\n\n\u003cli\u003eOpen the Word file and replace the placeholders, or print the PDF file.\u003c\/li\u003e\n\n\u003cli\u003eVerify identity, amount, and proof of disbursement. The borrower should not confirm receipt until the money has arrived.\u003c\/li\u003e\n\n\u003cli\u003eFill in the repayment date and interest. Enter 0 if the loan is to be without standard interest.\u003c\/li\u003e\n\n\u003cli\u003eRead both pages of the agreement, sign, and keep one complete copy each, together with the payment record.\u003c\/li\u003e\n\n\n\u003c\/ol\u003e\n\u003ch2\u003eCommon questions about English promissory notes\u003c\/h2\u003e\n\u003ch3\u003eCan I use the template for an interest-free loan?\u003c\/h3\u003e\n\u003cp\u003eYes. Enter 0 in the field for annual interest. According to the template, even an empty interest field means 0 percent. A loan without standard interest can still incur default interest if the payment is delayed.\u003c\/p\u003e\n\u003ch3\u003eWhen does the standard interest start accruing?\u003c\/h3\u003e\n\u003cp\u003eIt starts on the day of the later signature. The template does not regulate interest for the period before that day. If you need to regulate previous interest or already made repayments, the document needs to be adapted.\u003c\/p\u003e\n\u003ch3\u003eWhat applies in case of late payment?\u003c\/h3\u003e\n\u003cp\u003eThe default provision is based on the higher of the agreed annual interest rate or the Riksbank's reference rate in force at the time plus eight percentage points. Standard interest and default interest are not added on top of each other for the same principal and time period. The guide explains the difference.\u003c\/p\u003e\n\u003ch3\u003eIs this the same as a negotiable promissory note?\u003c\/h3\u003e\n\u003cp\u003eNo. A simple promissory note is issued to a specific lender. The template is not designed as a promissory note to the bearer or to order.\u003c\/p\u003e\n\u003ch3\u003eCan the template be used for business loans or different cash contributions?\u003c\/h3\u003e\n\u003cp\u003eIt is not designed for business loans or credit lending by a trader. In the case of different cash contributions to a joint home, ownership shares and potentially a cohabitation agreement also need to be assessed. This template does not solve these issues on its own.\u003c\/p\u003e\n\u003ch2\u003eScope and legal basis\u003c\/h2\u003e\n\u003cp\u003eThe template applies to a simple private loan with one lender, one borrower, and one final repayment date. It is not adapted for multiple borrowers, repayment plans, minors, pledges, guarantees, international connections, or loans brokered by a trader. In such circumstances, a customized setup is needed.\u003c\/p\u003e\n\u003cp\u003eThe basis has been checked against the Promissory Notes Act (1936:81), the Interest Act (1975:635), the Statute of Limitations Act (1981:130), and the Contracts Act (1915:218). Legal sources and limitations are found in the guide. It is a general document template that needs to be filled in and assessed based on the parties' situation, not individual legal advice.\u003c\/p\u003e\n\u003ch2\u003eEnglish template under Swedish law\u003c\/h2\u003e\n\u003cp\u003eThis Simple Promissory Note template documents an unsecured private loan already advanced in SEK between two adults resident in Sweden. It provides for a fixed repayment date, optional ordinary interest, early repayment and late-payment interest. The agreement is in English; the separate completion guide is in Swedish. Editable Word files and printable PDFs are included. The template is not intended for business lending, cross-border loans, instalment schedules or secured lending.\u003c\/p\u003e","brand":"Svenska Dokumentmallar","offers":[{"title":"Default Title","offer_id":55510568304982,"sku":"MB-SKV-EN-01","price":49.0,"currency_code":"SEK","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/2373\/3846\/files\/skuldebrev-engelska-mall-word-pdf.png?v=1790488424","url":"https:\/\/mallbutiken.se\/en\/products\/skuldebrev-engelska-mall-word-pdf","provider":"Mallbutiken","version":"1.0","type":"link"}