It is best to indicate the borrower's ID number, and it is also best to indicate the loan address, borrower's ID number and lender's ID number; When did the borrower borrow cash from the lender due to the shortage of funds, how much money was paid off, and how much interest was paid to the lender every month during the period. Signing date, borrower's signature, lender's signature and other information.

1. It is not appropriate to write "IOU" when borrowing money.

IOU and IOU are both certificates of creditor's rights and debts, but there are great differences between them. IOU is a written loan certificate issued by the borrower to the lender, which proves that the two parties have established a loan contract relationship, and IOU is a settlement basis for the settlement of the past economic exchanges between the two parties. It actually represents a pure creditor-debtor relationship and does not represent the loan contract relationship. Therefore, when borrowing money, you should write "IOU" instead of "IOU" to save the burden of proof in explaining the reasons and uses of "owed" money in litigation.

2. Write the repayment period in the IOU when borrowing money

From the perspective of safe recovery of creditor's rights, write the repayment period in the IOU when borrowing money. If the borrower fails to repay the loan within the time limit, the lender shall claim his rights (including bringing a lawsuit to the people's court or signing the reminder letter by the borrower) within 2 years after the loan expires.

Third, it is advisable to write down the borrower's full name when borrowing money.

In practice, lenders and borrowers are often closely related, but they are not generally related. When borrowing money, they should write their daily customary titles into the IOUs, such as "Zhang Shu", "Zhang Xiong" and "A San" and "Si Mei" of the borrower. In case the borrower fails to repay the loan in time, the lender will often sue the borrower because of the creditor's rights and the debtor's failure.

IV. When borrowing money, the IOU should be clearly stated without ambiguity

A typical case is that Zhang San borrowed 1, yuan from Li Si, and at the same time issued an IOU stating that the loan was 1, yuan. A few months later, Zhang San returned Li 1, yuan, so Zhang San tore up the original loan note and issued a new loan note for Li Si: "Zhang Sanyuan borrowed 1, yuan from Li Si and still owes 1, yuan." The word "Huan" here can be understood as both "huang" and "hai" and "Shang". The resulting dispute is very unfavorable to the lender.

5. The format of IOUs is as follows.