Who signs the Heter Iska
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Question
When there is a loan with a concern of interest and one wants to arrange a Heter Iska, who needs to sign it?
Answer
The lender and the borrower, and when dealing with a bank, essentially the bank's Heter Iska is sufficient without the client's signature, but it is better to request that the bank's Heter Iska form be attached to the loan file with the client's signature as well.
Source
Shulchan Aruch, Yoreh De'ah, Siman 177
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