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How to write a handwritten loan is legally effective?
1, date of loan-be sure to write clearly, preferably accurate to the day;

2. The loan amount should be capitalized in Arabic numerals and Chinese at the same time, and the currency should be clearly written;

3. Payment shall be made by bank transfer as far as possible, and the account number and transfer date of the other party may be indicated in the debit note;

4. After the IOU is issued, a copy of the ID card signed by the borrower shall be obtained at the same time.