Russian citizen pensioner A.N. Sidorov and a 4th year student of Enskii State University Zaitsev SS On September 15, 1998, a citizen of Bulgaria, Zhivkov N., was lent a sum of 500 rubles, with 230 rubles. provided Sidorov BY AN, the remainder - Zaitsev SS The parties agreed that Zhivkov N. would return the specified amount in three months and pay interest on the amount taken in the amount of 5% for each month of using the money.
Sidorov A.N. he doubted the legality of the oral transaction and turned to legal advice for advice on whether it was necessary to conclude an agreement and what provisions it should contain in this case. Answer the questions Sidorova A.N.

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