The debit note is not printed by hand, but it is valid with the borrower's autograph. According to the law, IOUs should be in written form, and the contents of IOUs generally include terms such as loan type, currency, purpose, amount, interest rate, term and repayment method. Therefore, the IOU is valid as long as it meets the above requirements and is signed by the borrower.

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.

Standardizing the writing of IOUs should do the following:

1. The borrower should write the full text of the loan and sign it, not print it;

2. The loan content is accurate and unambiguous;

3. It is required to write down the borrowing time, borrowing purpose (the purpose should be legal and cannot be used for illegal purposes such as gambling), interest agreement and repayment period;

4. Lenders should try not to pay in cash, especially for large loans, and should use bank remittance, and the other party's account name is the same as that of the borrower;

5. If the other party's credit or repayment ability is poor, you can ask for a guarantee or guarantor.

If both parties need to agree on many matters, they can sign a loan contract and make detailed agreements while writing the loan note.

legal ground

People's Republic of China (PRC) Civil Code

Article 667 A loan contract is a contract in which the borrower borrows money from the lender, repays the loan at maturity and pays interest. 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. Article 470 The contents of a contract shall be agreed upon by the parties, and generally include the following clauses:

(1) The name and domicile of the party concerned;

(2) Subject matter;

(3) quantity;

(4) quality;

(5) Price or remuneration;

(6) Time limit, place and method of performance;

(7) Liability for breach of contract;

(8) Methods for resolving disputes.

The parties may conclude a contract by referring to the model texts of various contracts.