1. The legal full names of the borrower and the lender shall be clearly written;

2. The loan amount should be clearly written, including the amount expressed in words and figures;

3. The term of the loan should be clearly written, including the start and end dates of the loan and a clear loan term;

4. The specific repayment date should be clearly written;

5. The loan interest should be clearly written, with a clear annual interest rate or monthly interest rate, and the final total loan interest (including the amount expressed in words and figures) should be agreed;

6. The date, month, day, time and payment method of repayment of loan principal and interest shall be stated;

7. There should be the borrower's personal signature, handprint or handwritten signature.