First of all, who should get the most suitable loan?

It is reasonable for the loan to be held by the lender. An IOU is a written document indicating the relationship between creditor's rights and debts, which is generally written and signed by the debtor, indicating that the debtor has owed the creditor the amount indicated in the IOU. An iou refers to a bill written to the other party when borrowing personal or public cash or goods, that is, an iou. After the money and goods are returned, the bill is revoked or torn by the bill holder. This is a document. Usually used in daily life and business management.

Both parties shall keep the original IOUs. In an ordinary private lending relationship, both parties will sign a simple contract or agreement. If this contract or agreement is not signed, simple IOUs can also be used as evidence of the existence of a loan relationship between the two parties. If for some reason or the debtor is unable to fulfill his obligations, these people can bring a lawsuit to the court. After filing a lawsuit, you need to submit certain evidence to the court, so the loan itself can of course become evidence.

Second, how to write the loan?

1. It is best for borrowers to write IOUs by hand, but pay attention to the writing standards. Printed IOUs have the same legal effect, but they are easy to forge. The borrower's signature should also be thumbprinted. The borrower's information must be clearly written with the ID number, and the borrower should be required to provide the original for verification when writing the loan.

2. The date of the loan-be sure to write it clearly, preferably accurate to the day. The repayment date can be agreed on the loan slip. If there is no agreed repayment date, the borrower can claim repayment at any time. If the repayment date is agreed, the request can only be made when the repayment date expires. If the repayment date is not returned, the lender shall file a lawsuit within three years, and may lose the right to win the case after the deadline.

3. The loan amount should be capitalized in figures and Chinese at the same time, and the currency should be clearly written, such as "RMB 100000.00 Yuan only (RMB one hundred thousand Yuan only)" to prevent the loan holder from tampering.

4. 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 on the debit note. When handling the transfer, you can indicate the purpose of the loan. If the amount is small, it should be indicated on the IOU that both parties' loans are paid in cash. Either way, the borrower needs to write a receipt for the money received separately. The IOU can only prove that there is a loan contract relationship between the two parties, which is not enough to prove that the borrower has fulfilled the obligation to repay the money.

5. If the borrower is married, it is better to obtain the signature of the spouse, which is more secure for the creditors, and avoids that one party refuses to undertake the repayment obligation or execute it in court on the grounds of ignorance, and one party transfers the property to the spouse, resulting in the inability to repay.

6. After the IOU is issued, a copy of the borrower's autographed ID card and a copy of the marriage certificate shall be collected at the same time.

7. If the amount is large, you can ask a lawyer or a third party to witness and sign it.

It is most appropriate for lenders to hold IOUs, and it is best for borrowers to write IOUs by hand. Pay attention to the writing standard, the borrowing time should be accurate to the day, the borrowing amount should be written in uppercase and lowercase letters at the same time, the repayment time must be clear, the repayment method should also be reflected in the IOUs, and the IOUs should also have the signatures of the lenders and borrowers and the writing time of the IOUs.