Generally speaking, there are typos and homophones on IOUs. As long as there is nothing wrong with the contents of the contract, it will not affect the validity. If the other party uses typos, such as the name on the signature and ID card is different, and there are many loans, but no circumstantial evidence can be found, it is recommended to consult a professional lawyer in time.

First, the validity of typos in IOUs depends on the actual situation. If the following conditions are met, it has legal effect.

(1) The actor has corresponding capacity for civil conduct.

(2) the meaning is true

(3) Do not violate the mandatory provisions of laws and administrative regulations, and do not violate public order and good customs.

2. What are the writing requirements for IOUs?

1. It's best to attach the ID numbers of the lender and the borrower in the debit note to avoid unnecessary disputes.

2. When the borrower signs, the lender must see his signature with his own eyes to prevent the borrower from signing with others, and finally refuse to recognize the IOU.

3. The borrower must be the borrower, not the lender, otherwise the borrower will argue that the content is not the original.

4. Try to avoid using different languages. Simple and semantically simple IOUs are the most standard IOUs. Avoid vague language like "A borrows money from B", because it is easy to tell who is the lender and who is the borrower.

The name should be written as IOU, not IOU. Their legal meanings are quite different. IOUs are valid for 20 years and IOUs for 2 years.

Third, the scope of legal effect. Including:

(1) Prescription refers to the time when the law takes effect and the time when it ends;

(2) Space effectiveness refers to the area where the law takes effect (including territorial sea and airspace). General national laws are applicable to the whole country, and local regulations are only effective in this region;

(3) The influence on people refers to whom the law takes effect. If some laws apply to all citizens, some laws only apply to some citizens.

Legal basis:

People's Republic of China (PRC) Civil Code

Article 667

A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest.

Article 668

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.

Article 669

When concluding a loan contract, the borrower shall provide true information on the business activities and financial status related to the loan as required by the lender.