Hello. Write down who is lending whom how much and then sign.

If the repayment time is agreed upon, state it as well;

If the loan interest is agreed upon, state it as well.

Basic format

IOU

To borrow XXX RMB XXX yuan (capital XXX yuan), the annual interest rate is XX, and it should be repaid before XX month XX day of XXX year .

Borrower:

Year Month Day