Zhang San (ID number) borrowed RMB XX Yuan (in figures ￥XX.00) in cash due to lack of funds in XX, and both parties agreed to pay the interest at X times the interest of XX Bank in the same period, and agreed to return the principal and interest together before XX. Verbally, stand out from the evidence and show your commitment.
According to this
Borrower: Li Si
Li Si ID number:
Attachment: copy of Li Si's ID card
note:
1. The title must be written in IOU, not IOU, with similar meaning, but different legal effects. If you borrow money, write an IOU.
2. The name of the lender must be written in full name, and don't write the nickname of teacher Zhang who is not sure who it is. Because only creditors are qualified to collect debts from debtors. Write down your full name and ID number, and you can prove that you are a creditor by showing your ID card.
3. The interest protected by civil law is at most four times that of the bank in the same period. The excess part is not protected by law. If you don't want interest, you don't have to write a word about interest.
4. The loan amount must be the same. In case of inconsistency, the amount expressed in words is generally accepted in litigation. Capitalized Chinese characters must be standardized. For example, one, two, three, four, five, land, seven, eight, nine, pick up, hundred, thousand and ten thousand. Can't use, one, two, three, four, five, six, seven, eight, nine, ten, hundred, thousand. The amount in figures should be accurate to two decimal places. If the loan amount is 100 yuan only, please write (in figures ￥ 100.00, with no yuan left behind. )
According to the latest rules of evidence, if the lender only has an iou and there is no other evidence, and the borrower does not admit the fact of borrowing, the court generally does not support the plaintiff's claim. So I suggest that when you borrow money, find two people who have no close relationship with both of you to witness it. You can also record and video the loan process. This can be used as evidence.
If the debtor, i.e. the borrower, fails to repay the loan within the time limit, the creditor, i.e. the lender, may bring a lawsuit to the court. However, civil litigation takes a long time. If the lender doesn't want to wait, it can "and agree to return the principal and interest together before XX, XX, XX." After that, "there is no evidence, and this evidence is particularly obvious." Before, add a sentence: "If it is overdue, Li Si voluntarily accepts the court's compulsory execution." After that, notarize the loan. In this way, if Li Si really fails to pay it back within the time limit, he can directly apply to the court for enforcement without litigation.
6. IOUs can be handwritten or printed. If it is handwritten, the handwriting must be neat and cannot be altered. If it is printed, Li Si's name should be signed by himself. Li Si should press his handprint and his name with his right index finger. Write down the date of borrowing books clearly.
7. If the loan amount is large, the lender may require the borrower to provide pledge or mortgage guarantee (if there is real estate, automobile, enterprise or stock as collateral, the mortgage formalities shall be handled), or may require the borrower to provide a guarantor with repayment ability. After the IOU is written, you can ask a lawyer to look at it to avoid omission.
In litigation, IOUs are important evidence. Imperfect IOUs have no effect, that is to say, there are no IOUs. So, either don't write. If you write, write a perfect one. Don't be afraid of trouble.
You can hire a lawyer for more details.