Qarz tilxati (Promissory Note)

Ta’minlangan yoki ta’minlanmagan qarz tilxati — bo‘lib-bo‘lib yoki bir yo‘la to‘lash, shtatingizning qonuniy chegarasidagi foiz, kechikish jarimalari va majburiyatni bajarmaslik shartlari bilan.

Yangilangan: sentabr, 2026≈ 7 daqiqa
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Qarz tilxati (Promissory Note) birinchi sahifasining namunasi: sarlavha bloki va to‘ldiriladigan bo‘sh joylar bilan boshlang‘ich bo‘limlarKattaroq ko‘rish
Nima olasiz

Qarz tilxati (Promissory Note) birinchi sahifasining namunasi. Javoblaringiz bo‘sh joylarni to‘ldiradi; sizning shtatingizda talab qilinadigan bandlar avtomatik qo‘shiladi.

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Qarz tilxati (Promissory Note) birinchi sahifasining namunasi: sarlavha bloki va to‘ldiriladigan bo‘sh joylar bilan boshlang‘ich bo‘limlar

Qarz tilxati (Promissory Note) birinchi sahifasining namunasi. Javoblaringiz bo‘sh joylarni to‘ldiradi; sizning shtatingizda talab qilinadigan bandlar avtomatik qo‘shiladi.

Shtatingizni tanlang

To‘g‘ri qonuniy qoidalarni yuklash uchun shtatni tanlang.

Barcha 50 shtatdagi Qarz tilxati (Promissory Note) qoidalarini taqqoslang

Asosiy qonuniy raqamlar yonma-yon. Saralash uchun ustun sarlavhasini bosing yoki shtatingizni topish uchun yozing — har bir shtat nomi shtatga xos generatorni ochadi.

Alabama8% per year for personal/household loans; loans over $2,000.00 exempt6%6 yearsNot required (optional for evidentiary value)
AlyaskaFormula cap10.5%3 yearsNot required (optional for evidentiary value)
ArizonaNo cap on interest agreed in writing10%6 yearsNot required (optional for evidentiary value)
Arkanzas17% per year for personal/household loans6%5 yearsNot required (optional for evidentiary value)
Kaliforniya10% per year for personal/household loans7%4 yearsNot required (optional for evidentiary value)
Kolorado45% per year for personal/household loans8%6 yearsNot required (optional for evidentiary value)
Konnektikut12% per year for personal/household loans; loans to business entities exempt; loans…8%6 yearsNot required (optional for evidentiary value)
DelaverFormula capSee statute3 yearsNot required (optional for evidentiary value)
Kolumbiya okrugi24% per year for personal/household loans6%3 yearsNot required (optional for evidentiary value)
Florida18% per year for personal/household loans; loans over $500,000.00 exemptSee statute5 yearsNot required (optional for evidentiary value)
Jorjiya16% per year for personal/household loans; loans over $3,000.00 exempt7%6 yearsNot required (optional for evidentiary value)
Gavayi12% per year for personal/household loans; business loans exempt10%6 yearsNot required (optional for evidentiary value)
AydahoNo cap on interest agreed in writing12%5 yearsNot required (optional for evidentiary value)
Illinoys9% per year for personal/household loans; business loans exempt; loans to business…5%10 yearsNot required (optional for evidentiary value)
IndianaNo cap on interest agreed in writing8%6 yearsNot required (optional for evidentiary value)
AyovaFormula cap5%10 yearsNot required (optional for evidentiary value)
Kanzas15% per year for personal/household loans; business loans exempt10%5 yearsNot required (optional for evidentiary value)
Kentukki19% per year for personal/household loans; loans over $15,000.00 exempt8%10 yearsNot required (optional for evidentiary value)
Luiziana12% per year for personal/household loans; business loans exempt; loans to business…See statute5 yearsNot required (optional for evidentiary value)
MenNo cap on interest agreed in writing6%6 yearsNot required (optional for evidentiary value)
Merilend8% per year for personal/household loans; business loans exempt; loans to business…6%3 yearsNot required (optional for evidentiary value)
MassachusetsNo cap on interest agreed in writing6%6 yearsNot required (optional for evidentiary value)
Michigan7% per year for personal/household loans; loans to business entities exempt5%6 yearsNot required (optional for evidentiary value)
Minnesota8% per year for personal/household loans; loans to business entities exempt; loans…6%6 yearsNot required (optional for evidentiary value)
Missisipi10% per year for personal/household loans; business loans exempt; loans to business…8%3 yearsNot required (optional for evidentiary value)
Missuri10% per year for personal/household loans; loans to business entities exempt;…9%10 yearsNot required (optional for evidentiary value)
Montana15% per year for personal/household loans10%8 yearsNot required (optional for evidentiary value)
Nebraska16% per year for personal/household loans; business loans exempt; loans to business…6%5 yearsNot required (optional for evidentiary value)
NevadaNo cap on interest agreed in writingSee statute6 yearsNot required (optional for evidentiary value)
Nyu-XempshirNo cap on interest agreed in writing10%3 yearsNot required (optional for evidentiary value)
Nyu-Jersi16% per year for personal/household loans; loans to business entities exempt; loans…6%6 yearsNot required (optional for evidentiary value)
Nyu-MeksikoNo cap on interest agreed in writing15%6 yearsNot required (optional for evidentiary value)
Nyu-York16% per year for personal/household loans; loans to business entities exempt; loans…9%6 yearsNot required (optional for evidentiary value)
Shimoliy Karolina16% per year for personal/household loans; loans over $25,000.00 exempt8%3 yearsNot required (optional for evidentiary value)
Shimoliy DakotaFormula cap6%6 yearsNot required (optional for evidentiary value)
Ogayo8% per year for personal/household loans; business loans exempt; loans over…See statute6 yearsNot required (optional for evidentiary value)
Oklaxoma10% per year for personal/household loans6%5 yearsNot required (optional for evidentiary value)
Oregon12% per year for personal/household loans; business loans exempt; loans over…9%6 yearsNot required (optional for evidentiary value)
Pensilvaniya6% per year for personal/household loans; business loans exempt; loans to business…6%4 yearsNot required (optional for evidentiary value)
Rod-Aylend21% per year for personal/household loans12%10 yearsNot required (optional for evidentiary value)
Janubiy KarolinaNo cap on interest agreed in writing8.75%3 yearsNot required (optional for evidentiary value)
Janubiy DakotaNo cap on interest agreed in writing12%6 yearsNot required (optional for evidentiary value)
TennessiFormula cap10%6 yearsNot required (optional for evidentiary value)
Texas10% per year for personal/household loans6%4 yearsNot required (optional for evidentiary value)
YutaNo cap on interest agreed in writing10%6 yearsNot required (optional for evidentiary value)
Vermont12% per year for personal/household loans12%6 yearsNot required (optional for evidentiary value)
Virjiniya12% per year for personal/household loans; loans to business entities exempt;…6%5 yearsNot required (optional for evidentiary value)
Vashington12% per year for personal/household loans; business loans exempt12%6 yearsNot required (optional for evidentiary value)
G‘arbiy Virjiniya8% per year for personal/household loans; business loans over $20,000.00 exempt6%10 yearsNot required (optional for evidentiary value)
ViskonsinNo cap on interest agreed in writing5%6 yearsNot required (optional for evidentiary value)
VayomingNo cap on interest agreed in writing7%10 yearsNot required (optional for evidentiary value)

Qiymatlar qisqartirilgan; to‘liq qoida va manbasi uchun shtat sahifasini oching.

Bu hujjat nimalarni qamrab oladi

  • Qarz oluvchi, qarz beruvchi va ixtiyoriy kafil
  • Asosiy summa, sana va maqsad (shaxsiy yoki biznes)
  • Shtat sudxo‘rlik chegarasiga muvofiq tekshirilgan foiz stavkasi
  • Bo‘lib-bo‘lib, bir yo‘la yoki talab bo‘yicha, amortizatsiyalangan to‘lov bilan
  • Kechikish jarimasi va majburiyat bajarilmagandagi foiz
  • Sudxo‘rlikdan saqlash bandi
  • Majburiyatni bajarmaslik, bartaraf etish muddati va tezlashtirish
  • Garov va UCC yoki title garovi
  • Jarimasiz muddatidan oldin to‘lash
  • Kafil uchun xabarnoma (FTC / Kaliforniya)

AQSHda Qarz tilxati (Promissory Note) hujjatidan qanday foydalaniladi

Foiz stavkasini yuqorida ko‘rsatilgan sizning shtatingiz chegarasida yoki undan past tuting; sudxo‘rlik tilxati qarz beruvchini barcha foizdan va undan ko‘pidan mahrum qilishi mumkin, kechikish jarimalari esa chegaraga kiradi. Oila a’zolari o‘rtasidagi qarzlar uchun $10,000 dan ortiq summalarda sovg‘a deb hisoblanish muammosidan qochish uchun IRS amaldagi federal stavkasi (AFR) minimal hisoblanadi.

Agar kafil imzolasa, imzolashdan oldin unga «Kafil uchun xabarnoma»ni (7-bo‘lim) bering — Kaliforniyada va FTC qoidasi bo‘yicha usiz kafillik kuchga ega emas.

Bitta asl nusxani imzolang; qarz beruvchi uni saqlaydi, qarz oluvchi esa nusxasini. Tilxat to‘langach, qarz beruvchi unga «PAID IN FULL» (to‘liq to‘langan) deb belgi qo‘yib, qaytarishi kerak.

Boshqa nomlari

  • qarz shartnomasi
  • tilxat
  • shaxsiy qarz shartnomasi
  • ta’minlangan qarz tilxati
  • oilaviy qarz shartnomasi
  • talab bo‘yicha tilxat
  • bo‘lib to‘lanadigan tilxat
  • promissory note
  • qarz xati

Bog‘liq hujjatlar

Shtatlar bo‘yicha bo‘sh Qarz tilxati (Promissory Note) formalari

bepul, hisobsiz · PDF + Word

Shtatingizni tanlang ▾

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