Promissory Note Generator
Enter principal, interest rate and due date to validate against the statutory ceiling (20%/year) and print a standard promissory note. Everything is processed in your browser only.
👤 Parties
Creditor (lender)
Debtor (borrower)
💰 Loan Terms
일금 일천만원정
⚖️ Interest & Ceiling Check
Agreed interest
500,000원
Total to repay
10,500,000원
📄 Note Preview
PROMISSORY NOTE (차용증)
Amount borrowed
일금 일천만원정
(₩10,000,000)
The debtor (borrower) confirms borrowing the following amount from the creditor (lender) and agrees to repay it faithfully under the terms below.
Art. 1 (Principal) The debtor borrowed KRW 10,000,000 (일천만) from the creditor on 2026-07-11.
Art. 2 (Interest) Interest is 5% per year, payable 만기 일시 지급.
Art. 3 (Maturity) The debtor shall repay the principal and interest to the creditor by 2027-07-11.
Art. 4 (Default damages) If the debtor fails to perform by maturity, default damages at 12% per year shall be added from the following day until full payment.
Art. 5 (Acceleration) If the debtor delays interest payment or otherwise loses creditworthiness, the benefit of time is forfeited on the creditor's demand and the remaining principal and interest become immediately due.
Date: 2026-07-11
Creditor (lender)
Name: ＿＿＿＿＿＿＿＿ (signature/seal)
Resident reg. no.: ＿＿＿＿＿＿＿＿
Address: ＿＿＿＿＿＿＿＿
Phone: ＿＿＿＿＿＿＿＿
Debtor (borrower)
Name: ＿＿＿＿＿＿＿＿ (signature/seal)
Resident reg. no.: ＿＿＿＿＿＿＿＿
Address: ＿＿＿＿＿＿＿＿
Phone: ＿＿＿＿＿＿＿＿
This tool auto-fills a standard form and is not legal advice. For complex matters, consult a lawyer or the Korea Legal Aid Corporation (132).
✅ Drafting & notarization checklist
- ·Enter both parties' names, ID (or birth date) and addresses accurately
- ·Write the amount in both digits and Korean words (anti-forgery)
- ·Agree an interest rate of 20%/year or less (the excess is void)
- ·State the loan date, due date and default damages clearly
- ·Have parties sign or seal it; keep transfer records as proof of lending
- ·For enforceability, execute a notarial deed at a notary office
Guide · FAQ · bal.pe.kr 도구 모음
작성 방법 상세는 Guide , 자주 묻는 질문은 FAQ , 데이터 출처·운영 정보는 About 참조. 이자 상한 시행일 2021-07-07 · 마지막 업데이트 2026-07-11.