1, just write down the loan amount, repayment time, loan location, borrower and other things related to loan repayment on the IOU, and of course don't forget to write your own name. In addition, if it is not troublesome, the loan amount is large and the loan time is long, it can also be notarized. 2. It is suggested to copy the ID cards of both parties, and write the debit note on the back of the copy. 3. Whoever borrows money from whom should make it clear, and the amount must be capitalized. And it is best to stay on the same line, don't break the line, for example, 5800 yuan. Format: (The debtor had better write) I hereby borrow RMB 10,000 from XXX (the creditor) and agree to pay it off before a certain date. And pay interest 100.00 yuan. (Note: The law stipulates that the interest shall not be higher than 4 times of the bank loan interest in the same period, and the interest higher than 4 times is not protected by law. If the borrower fails to repay the loan and interest within the time limit, the debtor shall bear the corresponding legal responsibilities. (Note: If the debtor has fixed assets, a fixed asset can be added as a repayment option for the creditor, which is legally collateral. For example, if it fails to repay the loan within the time limit, a (debtor) will transfer the property under its name to a (creditor) to compensate for the loan. Lender (creditor): a borrower (debtor) with ID number signature: a witness with ID number signature and seal: signature and seal (must be an interested party, such as a notary) on a certain day of the year.