1, the title must be written with the word "IOU", and it cannot be mistakenly written as "IOU" by others on purpose. Pay special attention: although the money is in the hands of others, the legal result is completely different;

2. Text:

(1) Write down the legal full names and ID numbers of borrowers and lenders;

(2) Write down the loan amount clearly, including the amount in words and figures;

(3) Write clearly the loan term, including the start and end date of the loan and a clear loan term;

(4) Write clearly the loan interest, with a clear annual interest rate or monthly interest rate, and finally the total loan interest payable;

3. signature. The signature should have the name of the owed unit and the personal signature of the manager. If the debt is issued by an individual, the personal signature of the owed party should be signed on the signature. If the IOU is issued by an individual, the debtor's name must be attached. Meanwhile, the date of signing the debt.

Attachment: model essay

Borrower: _ _ _ _ _ _ _ _ _ _ ID number: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Lender: _ _ _ _ _ _ _ _ _ _ _ ID number: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Because _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

1. Loan term: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

2. Loan interest: _ _ _ _ _ _.

3. Liability for breach of contract: in the case of _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ (in words)

4. Proof of the borrower's identity: a copy of the ID card provided by _ _ _ _ _ _ _ _.

In case of special circumstances during the performance of the contract, both parties shall settle them through friendly negotiation; If negotiation fails, a lawsuit may be brought to the people's court of _ _ _ _ _. The two sides voluntarily reached the above agreement, and their words are not sincere. This is a special loan to prove it.

Borrower (signature and handprint): _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Contact address: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Phone number: _ _ _ _ _ _ _ _ _ _ _

Witness (signature and handprint): _ _ _ _ _ _ _ _ _ _ _ _ _

Contact address: _ _ _ _ _ _ _ _ _ _ _

Tel: _ _ _ _ _ _ _ _ _ _ _

Issue time of IOUs: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _.

Legal basis: Article 668 of the Civil Code of People's Republic of China (PRC).

A loan contract shall be in written form, unless otherwise agreed between natural persons.

The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.