个人借贷要有合同和担保。首先了解债务人是否有偿还能力及借债目的。对借钱做生意的,千万要谨慎,因你无法预料生意的赔赚。其次要订立书面合同。合同写明:(1)借贷双方的姓名。(2)借贷金额。如是外币,须注明币种。(3)借贷时间,包括借贷时间和偿还时间。(4)借贷利息。法律?.. Personal loans have a contract and guarantee. First understand the debtor’s ability to repay and debt. To borrow money to do business, do be cautious, because you can not predict the business payoff. Followed by a written contract. The contract states: (1) the names of both lenders and borrowers. (2) loan amount. In the case of foreign currency, the currency must be specified. (3) lending time, including lending time and repayment time. (4) loan interest. legal?..