IOUs?

Reason: Due to personal financial constraints, I borrowed RMB ××× 1000 (one thousand yuan) today?

Borrower: ××× (signature)?

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

IOUs?

How much did A borrow from B on a certain day, a certain month, and the loan period was xx years, and it was agreed to repay it on a certain day, with interest? If Party A fails to return the goods on time, it shall pay liquidated damages. ?

Party A's signature?

Dating?

IOUs?

Party A xxx (ID number: * * *) lends Party B xxx (ID number: * * * * *) RMB * * * *. (capital)

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

The loan interest is: * *

Signature of the borrower?

Dating?

A complete IOU without legal objection should include the following aspects:

1. Identity information of the borrower. Conventional IOUs may only be signed by the borrower's name, signature and fingerprint. In fact, such IOUs are very imperfect. In private lending, there are many cases where Zhang San borrows money but signs Li Si's name, which leads to the final controversy. ?

The identity information of the borrower shall include the borrower's name, identity card number (or other identity documents), passport, Hong Kong and Macao pass, etc. ), current address, etc. It should be noted that in the process of signing the IOU, it is better for the borrower to write it by hand, rather than print it. The signature must be your own, not someone else's. ?

2. The borrower's name should be written in full name, without nicknames, titles, etc. Such as Da Fu Jie, Lao Zhang and Er Dan. Not in conformity with the regulations. In order to avoid the obstacles of claiming creditor's rights in the future, it is best to use the name on the borrower's ID card. If there is a previous name or alias, you can make comments in brackets. ?

3. Write down the time. Time includes two aspects, the borrower's borrowing time and the agreed repayment time. As the name implies, the borrowing time is the time when the borrower signs the IOU and receives the IOU. The repayment time refers to the repayment date agreed by both parties. ?

4. Indicate the amount and repayment method. When writing an IOU, be sure to specify the loan amount and the currency of the loan amount. For a simple example, "Borrowing RMB 9,080,000 Yuan (in words: nine hundred and eight thousand Yuan only)" is written in uppercase and lowercase letters. If the loan is inadvertently defaced in the future and the amount is unclear, you can also check the amount in uppercase and lowercase letters. ?

Indicate the loan amount and interest. If there is no agreed interest on private lending, it shall be regarded as an interest-free reception. Some are calculated according to the bank interest rate, and both parties can also agree on the interest rate. The repayment method can be agreed to be one-time repayment or installment repayment, but it is divided into several installments, and the term of each installment, the amount of principal repayment and the amount of interest should be clearly stated in the IOU. ?

5. Sign your name. The signature needs to be signed by both parties, and some guarantors have to sign the loan. You'd better put your fingerprints on it all. Finally, fill in the complete date and write it clearly. ?

Extended data:

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Notes on writing IOUs?

1. In private lending, IOU is an important document for claiming creditor's rights. Therefore, when lending to others, you should ask the other party to issue a standardized and unaltered debit note, and attach the contact information and ID number. When repaying the other party's loan, try to transfer money through the bank and keep the transfer voucher. ?

2. Clearly distinguish between IOUs and IOUs. Don't let borrowers issue IOUs for convenience. IOUs can only show that there is a creditor-debtor relationship between the parties. There are many relationships between creditor's rights and debts, such as arrears of labor fees, payment for goods, compensation, rent, etc. , can appear in the form of IOUs. Therefore, the IOU itself cannot directly correspond to the lending relationship, which will increase the litigation risk. ?

3. The loan should be as concise as possible, and don't use ambiguous language. For example, lend Liu 10 million yuan. This kind of language is not clear about who borrows money from whom, and should use "borrow" instead of "borrow", and there is no clear direction. ?

4. Borrowers should be careful when writing IOUs, especially when they have not received loans and have no borrowing facts. Writing IOUs easily may bear the risk of not getting loans but needing to repay them. ?

The loan itself must be a complete piece of paper, not a torn or scratched piece of paper. The integrity of IOUs is very important to prevent borrowers from using IOUs as defense.

6. When repaying, ask the other party to issue a receipt in time and keep the repayment voucher. When all the loans are paid off, the loans should be recovered in time. ?

Baidu encyclopedia IOUs