Creditor's name, loan amount (local and foreign currency), interest calculation, repayment time, liquidated damages (deferred repayment), dispute resolution method, debtor's name, loan date and other elements.

As long as you have the creditor's name, loan amount, debtor's name and loan date (although it was added later), it meets the main requirements of the loan, so it has legal effect.

Extended data:

1, personal IOU

Reason: Due to personal financial difficulties, I borrowed RMB ××× 1000 today.

Borrower: ××× (signature)

Loan date: April 2009 1 repayment date: August 2009 1.

2. Personal IOUs

How much did Party A lend to Party B on a certain day of a certain year, with the loan term of xx, and agreed to return it on a certain day with interest ... If Party A fails to return it on time, how much penalty will it pay?

Signature of Party A:

Date:

3. Personal IOUs

Party A xxx (ID number: * * * *) received RMB * * * * (ID number: * * * *) from Party B today. (in words)

The loan term is * * * years, from * * * years to * * * * years.

The loan interest is: * * ..

Signature of the Borrower:

Date:

Baidu encyclopedia-IOUs