According to my personal experience, I have collected some essential contents when writing/receiving IOUs. As follows:
1, with "IOU" written on the head.
2. Define the identities of "borrower" and "lender"; The borrower is the receiver and the lender is the lender. Pay attention to the difference. This must be clearly written, because it is related to who you want to collect debts from. )
3. Write down the amount clearly, indicating the currency and case. 80% of the IOUs are written by hand, and nothing is indicated. After adding a zero and erasing a zero, no one can tell. The same is true of money. No one wants to lend him pounds, and he will pay you back in yen.
4. The interest rate should be clearly written. If the interest is agreed, it must be clearly written. Pay attention to avoiding the expression of "a few cents" and use the unified expression of "%".
5. The payment method must be clearly written. Pay attention to how the money is given to the other party. It is recommended to deliver it through bank transfer or online transfer such as Weizhong Bank and Weizhong Bank. Knock on the blackboard! ! If you give cash, you must make a receipt! !
6. Repayment date. The repayment date is optional, and it is not necessary to specify this item, but once it is agreed, the later prosecution will be limited by the three-year statute of limitations.
7. ID card, address and contact information of the borrower. Finally, the insurance determines the identity of the borrower. If it is not convenient to fingerprint, be sure to let the borrower write the ID number, address and contact information under the signature of the ID card, so as to serve the summons in the future.
8, signature, time and according to the fingerprint. Prevent some people from signing their names with unusual handwriting, saying that they have never signed it if they don't recognize it, and they may not recognize it if they take it to handwriting identification, so be sure to add a clear handprint if possible. You must press the line clearly, not vaguely.
Ps: Although there is not much content on the IOU, there is definitely some content. After all, brothers still know how to settle accounts!