1. The loan receipt shall indicate that the following contents have legal effect:

(1) Legal full names of the borrower and the lender;

(2) the loan amount, including the amount in words and figures;

(3) Term of the loan;

(4) The loan interest should have a clear annual interest rate or monthly interest rate, and the total loan interest payable at the end of the period;

(five) the date, month, day, time and payment method of repayment of loan principal and interest;

(6) Personal signature, handprint or handwritten receipt of the borrower.

2. Legal basis: Article 143 of the Civil Code of People's Republic of China (PRC).

A civil juristic act that meets the following conditions is valid:

(1) The actor has corresponding capacity for civil conduct;

(2) the meaning is true;

(three) does not violate the mandatory provisions of laws and administrative regulations, and does not violate public order and good customs.

Article 668

A loan contract shall be in written form, unless otherwise agreed between natural persons. The contents of a loan contract generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method.

2. What is the writing format of IOUs?

The writing format of IOUs is as follows:

Party A: _ _ _ _ _ _ _ ID number: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ (in words)

The loan term is _ _ _ _ _ _ _ _ _ years, starting from _ _ _ _ _ _ _ _.

The loan interest is _ _ _ _ _ _ _.

Signature of the Borrower: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _

Date: _ _ _ _ _ _ _ _ _ _ _ _ _ _ _ _