Borrower: Zhang San (ID number:)

Lender: Li Si (ID number:)

I, Zhang San, borrowed RMB XX (in words: RMB XX only) from the lender Li Si on XX to purchase a house. Both parties agree that the loan period is XX months, from XXXX XX. I promise to repay the principal and interest of the loan at the agreed time.

If I fail to repay the loan principal and interest at the agreed time, I am willing to bear the corresponding liability for breach of contract and pay the overdue interest.

This iou is made in duplicate, one for the lender and one for the borrower, with the same legal effect.

Signature of Borrower: Zhang San

Signature of Lender: Li Si

Date: XXXX, xx, xx, xx, xx.

When writing personal loan IOUs, you should pay attention to the following points:

Indicate the identity information of the borrower and lender.

Indicate the loan amount, loan purpose and loan term.

Agreed repayment time and interest payment method.

Define the liability for breach of contract and overdue interest.

Ensure the legality and validity of the IOUs.