You may think that an IOU is the same as an IOU, but there is still a big difference between them. What kind of article are you going to write?

I. IOUs prove the loan relationship and IOUs prove the debt relationship. Borrowing is definitely arrears, but arrears are not necessarily loans.

Second, the reason for the formation of IOUs is the specific borrowing facts. There are many reasons for the formation of IOUs, which can be based on a variety of facts, such as IOUs due to business, IOUs due to labor services, IOUs due to enterprise contracting, IOUs due to damages, etc.

Third, when the IOU holder brings a lawsuit to the court by virtue of IOU, it is easier to identify and identify the loan facts between the parties through IOU itself, so the IOU holder generally only needs to simply state the loan facts to the court, but the other party generally finds it difficult to deny them.

However, when the IOU holder brings a lawsuit to the court with IOU, the IOU holder must state the fact of IOU formation to the judge. If the other party denies or excuses this matter, the holder of the IOU must further prove the fact that the IOU was formed.

receipt for a loan

Today, I borrowed RMB 50,000.00 Yuan from Ren Jie and paid it off on June 65438+February 1 day, 2006. If it cannot be repaid by then, interest will be paid at 4 times the bank loan interest rate for the same period.

Borrower: Xie Kuanren (signature, fingerprint)

February 28(th), 2006

Note: Personal loans of citizens need to be signed by themselves, and corporate loans need to be stamped with the official seal of the company. The date of borrowing should be accurate to the year, month and day. The repayment date can be agreed or not, which does not affect the legal effect of the IOU.

IOUs generally consist of three parts: title, text and signature.

(1) title

The title of IOU is generally composed of language names, that is, the word "IOU" is written in large font at the top and middle of the text. Some people write the words "temporarily owed" or "now owed" in this position as the title, but the text of this title is written in the top box of the next line.

(2) Text

The subject of the IOU should write down what the person or unit owes, what it owes and how much it owes, and indicate the repayment date.

(3) Signature

Signature should be accompanied by the name of the owed unit and the personal signature of the handler, and the personal name of the owed party should be attached to the debit note issued by the individual. Meanwhile, the date of signing the debt. Units should build official seals and individuals should build private seals.

Pay attention to the following points when writing IOUs:

IOUs are for paying or asking for evidence of what you owe or owe, so don't scribble when writing IOUs. At the same time, the white bars should be well preserved to prevent them from being lost.

IOU is a kind of loan repayment voucher in people's daily communication, which is generally not legally binding. So when necessary, you can go through certain legal procedures to prevent future troubles.

IOUs must be legible and cannot be altered. In case of change, the changing party shall affix the official seal (private seal) or personal signature at the change place.

Currency figures should be capitalized.